Monday, August 8, 2022
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 Fintech Zoom
  • Markets
    • Forex Market
    • Bonds & Rates
    • Stock Market Guides
      • Stock Market YTD Returns – Benchmark Returns
      • Forex Trading Beginners Guide to find out just how to trade Forex
      • Stocks
      • Can Fake News Impact The Stock Market?
      • How to Copy Trade On Covesting Module Successfully: Step By Step Guide
      • The Ultimate Guide to Penny Stocks 2021
      • What News affects the Stock Market
      • How to interpret Stock Market news?
      • What is reliable Stock Market news?
      • Stocks in Market: Consider Investing These 2 Stocks
      • Does news really affect the Stock Market?
      • Friday Stock Market News US
      • How to read stock market news?
      • How news affects the Stock Market?
      • How to buy stocks?
      • Bank of America: investors should buy
      • How to Invest Money
        • How To Save Money
        • How to Make Money Online
        • How to Track Expenses
        • How to Create a Budget
    • Stocks To Buy Now
    • Commodities
      • Industrial Metals
        • Live Price of Nickel per Ounce
        • Copper
      • Energy
        • WTI Oil Prices
        • Natural Gas – Live Prices
        • Brent Crude
        • Crude Oil
      • Agricultural Products
        • Corns
      • Livestock & Meat
        • Lean Hogs
      • Precious Metals
        • Silver
        • Live Spot Palladium Price per Ounce
        • Platinum
        • Gold
          • What Are the Advantages of a Gold 401k Rollover?
          • GoldCo Review – How to Protect Your IRA With Gold
          • Price of Gold
          • 5 Ways In order to Buy Gold
          • Gold Price Chart
          • Gold Futures
          • Best Place to Buy Gold
    • Breaking Stock Market News
    • Europe
      • DAX
      • Russel 2000 (RUT)
      • STOXX Europe 600 Index Overview (SXXP)
      • Euro Stoxx 50
      • CAC
      • FTSE 100
    • Australia
      • S&P/ASX 200
        • Virgin Australia
        • EML Payments Limited (ASX: EML) Stock Price & News
    • Asia
      • Nikkei
      • HSI – Hang Seng Index Overview
      • NSE
        • Tata Motors Limited Share Price Today, Stock Price, Live NSE
    • United States
      • Nasdaq
        • Apple
        • Upstart Holdings, Inc. (UPST) Stock Price, News & Quote
        • Comcast
        • NVCN Stock
        • Facebook Stock – FB Stock
        • Sundial Growers Inc. (SNDL) Stock Price & News
        • United Airlines
        • ContextLogic Inc. (WISH) Stock Price, News & Quote
        • SoFi Technologies, Inc. (SOFI) Stock Price & News
        • Lucid Group, Inc. (LCID) Stock Price, News & Quote
        • Airbnb, Inc. (ABNB) Stock Price, News & Quote
        • Ocugen, Inc. (OCGN) Stock Price, News & Quote
        • CLOV Clover Health Investments Corp. (CLOV) Stock Price, News & Quote
        • Adobe
        • Castor Maritime Inc. (CTRM) Stock Price, News & Quote
        • Onconova Therapeutics, Inc. (ONTX) Stock Price & News
        • Sanofi
        • AbbVie
        • ASML
        • NVAX Stock Price, News, Quote & History | Novavax, Inc. (NASDAQ: NVAX)
        • Workhorse Stock – Workhorse Group Inc. (NASDAQ: WKHS)
        • Dollar Tree
        • Tractor Supply
        • BKNG Stock
        • DKNG Stock
        • BKNG Stock
        • Amazon Pay
        • American Airlines
        • Moderna Stock
        • AMD Stock
        • AstraZeneca
        • Broadcom
          • Broadcom
        • ElectraMeccanica
        • Kandi
        • Facebook
        • Tesla Stock
          • Tesla Stock Price
          • Dow Jones
            • Mega-Cap Stocks
            • Facebook Libra
            • Frontier Airlines
            • Bristol-Myers Squibb
            • BABA
            • TJX
            • Marijuana Stocks – An Industry Overview
            • Bank of America – Best: America’s Best Banks
            • Walgreens
            • Goog
        • Gilead
        • Li Auto
        • Lockheed Martin
        • Microsoft
        • Netflix
          • Netflix Not Working? 8 Ways to Fix Netflix Issues
          • Netflix Stock
        • Nikola
        • Paypal
          • PayPal Stock Price
        • Pinduoduo
        • Roku Stock
        • T-Mobile
        • Ticketmaster
        • Nvidia
        • Costco Stock
          • Costco
        • Pepsi
        • Amazon
        • Petco
        • BioNTech
        • Zoom Stock
        • Gevo, Inc. (GEVO) Stock Price, News, Quote & History
        • MAXN: Maxeon Solar Technologies Ltd Stock Price & News
        • Gamida Cell Ltd. (GMDA) Stock Price, News & Quote
        • MyMD Pharmaceuticals Inc – Stock Price, Quote and News
        • Electrameccanica Vehicles Corp. (SOLO) Stock Price & News
        • Ideanomics, Inc. (IDEX) Stock Price, News & History
        • Nano Dimension Ltd. (NNDM) Stock Price & News
        • Vinco Ventures, Inc. (BBIG) Stock Price, News & Quote
        • Amesite Inc. (AMST) Stock Price, News & Quote
        • Cenntro Electric Group Limited (NAKD) Stock Price
      • Dow Jones
        • UnitedHealth Group
        • Verizon
        • Visa
        • Walgreens
        • Walmart
        • 3M
        • Amgen
        • Apple Stock
        • Boeing Stock
        • Caterpillar
        • Chevron
        • Cisco
        • Dow Inc.
        • Goldman Sachs
        • Honeywell
        • IBM
        • Intel
        • Johnson & Johnson
        • McDonald’s
        • Merck
        • Microsoft
        • Nike
        • Procter & Gamble
        • Salesforce
        • Coca-Cola
        • The Home Depot
        • The Travelers Companies
        • Disney
          • Disney Stock Price
      • NYSE Arca
      • NYSE American (AMEX)
        • Zomedica Corp. (ZOM) Stock Price, News & History
        • Ra Medical Systems, Inc. (RMED) Stock Price & News
      • OTC Markets
        • TSNP Stock
        • CYDY Stock
        • OZSC Stock – Ozop Energy Solutions Inc. (OZSC: OTC)
        • Bergio International, Inc. (BRGO) Stock Price & News
        • American Leisure Holdings, Inc. (AMLH) Stock Price & News
        • Healthier Choices Management Corp HCMC:OTCPK
        • ICA Stock
        • AABB Stock – Asia Broadband Inc (AABB:OTC)
      • NYSE Arca
        • Senseonics Holdings, Inc. (SENS) Stock Price & News
        • BNKU Stock – MicroSectors US Big Banks Index 3X Leveraged
      • S&P 500
      • NYSE
        • CHPT Stock (NYSE: CHPT)
        • Wells Fargo & Company (WFC) Stock Price, News, Quote
        • Twitter, Inc. (TWTR) Stock Price, News & Quote
        • Wells Fargo & Company (WFC) Stock Price, News, Quote
        • QuantumScape Corporation (QS) Stock Price, News & Quote
        • Skillz Inc. (SKLZ) Stock Price, News & Quote
        • SOS Limited (NYSE: SOS) Stock Price, News & History
        • FuboTV Inc. (FUBO) Stock Price, News & History
        • Uber Stock
        • BABA Stock – Alibaba Group Holding Ltd. (NYSE: BABA)
        • Accenture
        • Jumia Stock
        • IPOF Stock – Social Capital Hedosophia Holdings Corp. VI
        • Amwell Stock
        • CCIV Stock – Churchill Capital Corp. VII (CVII)
        • Nokia Corporation (NOK) Stock Price, News, Quote & History
        • GME Stock
          • GME Short Interest: GameStop Short Interest Ratio
        • Palantir Stock
        • Snowflake Stock
        • Boeing
        • AMC Stock
        • Disney Stock
        • Vaxart Stock
        • NIO Stock
        • Kodak Stock
        • KODK: Eastman Kodak Company
        • AT&T
        • Square Stock
        • PFIZER
        • Bank of America
          • Bank of America Stock
        • Berkshire Hathaway
        • Danaher
        • General Motors
        • Oracle
        • Mastercard
          • Mastercard News
        • Novartis AG
        • Royal Caribbean
        • Lowe’s
        • Southwest Airlines
        • Target
        • Taiwan Semiconductor
        • Unilever
        • NGA Stock
        • Abbott
        • SPY Stock
        • Toyota
        • Thermo Fisher Scientific
        • Raytheon Technologies
        • Total
        • Citigroup
        • XPeng
      • GE Stock
      • Large-Cap by Market Cap Today
        • ExxonMobil
        • Amazon
        • CVS Pharmacy
        • China Mobile
        • PNC
        • Qualcomm
        • Philip Morris
      • Stock Market
        • Calculator CleanMate
          • Calculator Car Service
            • Stripe News
            • American Airlines reduce flights to $40
            • Stock Market: U.S. Stocks Turn Higher
            • EOS
        • Stock Market Today March 30, 2020
      • Stock Futures
        • Bank of America Stock Falls 3%
        • Walmart Hours
        • Uber Eats
        • U.S. Stock Market Opens Lower
        • Pound to Euro
      • Top Companies
        • Amazon Prime
        • Facebook
        • Zoom
        • Twitter
        • Zillow
        • eBay
    • Stock Market “Best of…”
      • How to Get News Before Stock Market Opens
      • Best Stock Trading Apps of 2020
      • Best Fintech Stocks 2020
      • Best Brokers for ETFs Investing
      • Best dividend stocks
      • Best Online Brokers for Beginners 2020
      • Trading Platform Review – Prime XBT
      • Best Forex Brokers 2020
      • 7 Best Global Forex Brokers for 2022
      • Best Online Brokers for Stock Trading 2020
  • Cryptocurrencies
    • Crypto Reviews
      • MyCointainer review – what you need to start earning passive income on a staking platform
    • How can I find legit crypto casinos?
    • Crypto “Best Of…”
      • Best 5 Crypto Casinos in Canada
      • Best Crypto Wallets 2020
      • Bitcoin Debit Card for USA
      • Best Cryptocurrency to Invest in 2021
      • Best Crypto Hardware Wallets of 2020
      • Best Cryptocurrency Exchange 2021
      • Best Crypto to Invest in
      • Greatest Cryptocurrency Tax Software program 2020
      • Greatest ICO itemizing websites ICO Score Businesses (2019) | Cryptocurrency ICO Checklist | ICO Calendar
      • Best Crypto Trading Bot
      • Best Cryptocurrency Exchanges | April 2020
    • Cryptocurrency News
      • Cryptocurrency Analysis
      • What Happens to Your Cryptocurrency If You Die?
      • Crypto Exchange News
      • Exchange Fee
      • Bitcoin News
        • Current Bitcoin News
          • Bitcoin Price Analysis is now value as a lot as PayPal
          • Bitcoin Price Volume Decline with Lowering Volatility
      • Ethereum News
      • Blockchain News
      • Ripple News
      • ICO News
      • Crypto Exchange Ranking
    • Top Cryptocurrencies
      • Bitcoin
      • Ethereum (ETH)
      • USD Coin Price Today
      • Stellar
      • Bitcoin
        • Bitcoin Calculator
          • BTC to USD Converter
          • Bitcoin Preev
        • Buy Bitcoin
          • Buy Bitcoin With Gift Card
          • Buy Bitcoin with Credit Card
          • Buy Bitcoin Cash
          • Buy Bitcoin Anonymously
          • Buy Bitcoin with credit card
          • Buy Bitcoin with Prepaid Card
          • Buy Bitcoin with Paypal
          • Buy Bitcoin Near Me
          • Buy and Sell Bitcoin
          • Buy Bitcoin: Best Ways to Buy BTC Instantly
          • Buy Bitcoin at Walmart
          • Buy Bitcoin ATM
          • Buy Bitcoin Through Paypal
          • Buy Bitcoin Without ID
        • Bitcoin Price
          • Bitcoin Price USD
          • Bitcoin Price History
          • Bitcoin Price Live
          • Bitcoin Price Live Ticker
          • BTC to USD
          • Price of Bitcoin
          • Price Charts – Bitcoin Price
          • Bitcoin 가격
          • Bitcoin Price Prediction
        • Bitcoin “Best of…”
          • 23 Best Place to Buy Bitcoin Online 2020
          • Bitcoin Betting
          • Best Bitcoin Sports Betting Sites 2020
        • How to Earn Bitcoins Without Mining
        • Burritos or Bitcoin – We need more promotions like this.
      • Cardano
      • Ethereum
        • Ethereum Price Today
        • Ethereum Worth
      • Ripple
        • Ripple Price
        • Ripple
      • Tether
      • Bitcoin Cash
      • Dogecoin
        • Dogecoin News
        • Dogecoin News
      • Litecoin
        • Litcoin Price Today – LTC to USD Live Chart
    • Companies
      • Coinbase – How to Buy Bitcoin?
        • Best Site to Buy Bitcoin
      • Binance Coin
      • COINBASE
      • Binance News
    • Bitcoin Guides
      • Bitcoin
        • Bitcoin for Beginners
        • Who Owns Bitcoin ?
        • Bitcoin Tax
        • How to Make Money with Bitcoin
        • Bitcoin Hoje
        • How Many Bitcoin are There 2021?
        • Mercado Bitcoin
      • How to Invest in Bitcoin?
      • Bitcoin Price Guide
        • How Much is 1 Bitcoin Worth?
        • Bitcoin Value
        • Bitcoin Price Prediction
        • Bitcoin BTC Price
      • How to Mine Bitcoin on PC
        • How To Mine Cryptocurrency? A Definitive Guide
        • How Long does it Take to Mine 1 Bitcoin?
      • Bitcoin Halving
        • Bitcoin Halving
      • How to Buy Bitcoin
        • Best Site to Buy Bitcoin
        • Bitcoin ATM near me
        • Easiest Way to Buy Bitcoin
        • What can you Buy with Bitcoin?
        • Where to buy Bitcoin?
        • How to get a lot of bitcoin for free?
      • How To Invest In Cryptocurrency?
      • Wallets
        • Offline Wallets for Bitcoin
        • Bitcoin Wallet
  • Luxury
    • Food & Drink
      • Most Expensive Steak
        • The Ultimate Guide to Wagyu Steak, the World’s Many Elegant Steak
      • Most Expensive Bourbon
        • 10 Greatest Bourbon Whiskey of the World
    • Style
      • Luxury Brands
        • Luxury Designer Sports Equipment Worth Collecting
        • Best Luxury Clothing Brands
      • Luxury Real Estate
        • 10 of the World’s Most Expensive Homes
        • 4 Things You Need to Know About Luxury Apartments
      • Luxury Watches
        • Hublot – Swiss Luxury Watches & Chronographs
        • Rolex – Swiss Luxury Watches
        • Most Expensive Watches
    • Motors
      • Luxury Aviation
      • Luxury SUV
        • Best Luxury SUVs for 2020
      • Luxury Cars
        • The grey and black Ford Mustang from Gone in 60 Seconds remake, is up for sale.
        • Mercedes-Maybach S680 Limited Edition
        • SSC Tuatara Hypercar Flying at 282.9 mph
        • Porsche
        • Chevrolet Corvette C8 Specs – Ultimate Guide
        • Guide to the Tesla Cybertruck
        • Best Luxury Cars
        • The 20 Most Fastest Production Cars 2021
        • Best Luxury Sports Car
        • The Best Luxury Sports Cars
      • Luxury Yachts
        • Supercar of the Sea – Tecnomar for Lamborghini 63 Yacht
        • The 10 Largest Super Yachts in the World
        • 10 Most Expensive Luxury Yatchs
    • Travel
      • Luxury Hotel
        • COMO Hotels and Resorts
        • Hilton – Conrad Hotels and Resorts
        • Ritz Carlton Hotels
        • The Best Luxury Hotels in the World
        • Marriott
      • 14 Best Luxury Travel Destinations
      • Luxury SPA
        • The Best Spas & Wellness Centers in Miami Beach
        • Best Luxury Yoga Retreats
    • Tech
  • Reviews
    • Travel – Reviews
      • The Best Carry-On Luggage for Every Trip and Budget
      • The 7 Best Tents for your comfort or your family.
      • The 15 Best Beach Chairs?
    • Home & Garden
      • 10 Of The Best Washers And Dryers To Make your Life Easier
      • The 10 Best Portable Air Conditioners
      • Beverage cooler vs mini fridge
      • Can I use bose cube speakers with any receiver
      • The 7 Best Dehumidifier and Air Purifier Combo
      • The Greatest Robot Vacuums to Assure Cleaner Floors
      • The 11 Best Air Purifiers in 2021
      • The 6 Best Cordless Stick Vacuum in 2021
    • Health & Fitness
      • The 8 Best Car Bike Racks
      • The Best Mosquito Repellents & Bug Sprays
      • The 10 Best Electric Toothbrushes, According to Dentists
      • 15 Best Water Bottles of 2021
      • 15 Best Water Shoes For Adventurous Men
      • 10 Best Yoga Mats of 2021— For Every Yoga Lover
    • Office
      • The 12 Best Standing Desk of 2021 for Office.
      • The 10 Best Office Chairs in 2021
      • The 13 Best Laser Prints for great print quality at a low cost
      • Best Laptop Backpacks to Fashionable Professionals
    • Tech Reviews
      • The 11 Best Karaoke Microphone in 2021
      • Mobile Reviews
        • Vivo Y20T Mobile – Price and Specifications
      • The 9 Ideal Waterproof Phone Cases of 2022
      • Tesla Phone: Details & Prices for the Futuristic New Mobile…Apple are you ready?
      • GoPro Vs Contour: Which One Is Better in 2021?
      • Best wireless car charger
      • Best drones under 300
      • The 9 Best Laptop Under 500USD
      • The 18 Best Noise-Cancelling Headphones of 2021
      • Top 10 Best Smartwatches in 2021 – The Ultimate Buying Guide & Reviews!
      • Best underwater drone
      • Best dash cam for 2021
    • Style
      • The 14 Best Electric Shavers
      • The 13 Best Hair Clippers For Men – For Barbers and Hairstylists
  • Lifestyle
    • Travel
      • How Late Is The Closest Grocery Store Open
      • Universal Pass – How to Get Universal Pass?
      • December Global Holidays on the World
      • Leisure Travel Vans
    • Weather Tomorrow
    • Life
      • College Dorm Party – Are you Looking for the Perfect Party?
      • College Dorm Party – Are you Looking for the Perfect Party?
      • Are you looking for good morning messages for her? Here’s the right place. 101 Messages.
      • Good Tinder Bio Ideas That Will Aid You Obtain Much More Matches
    • Near Me
      • Staples Near Me – Store Locator
      • Walmart Near Me – Store Locator
      • Restaurants Near Me
      • Home Depot Near Me – Store Locator
    • Health
      • Ulta Near Me – Ulta Locations
      • Bottled and Jarred Packaged Goods – Simple Guide
      • Difficult Person Test – Am I a Difficult Person?
      • Sex
      • Covid-19
        • Direct Payments in coronavirus
    • Tech
      • Unlock
        • Is your Snapchat account locked? Here’s how to unlock it
      • Download
        • Y2mate Com 2022 download MP3 and MP4 videos from Youtube
      • Settings
        • Picuki – The Ultimate Guide for Picuki Instagram Story Viewer
        • Smihub – The ultimate Guide to Anonymous Instagram Story Viewer
        • APK File – Complete Guide to work with APK Files
        • Just how to go down a pin in Google Maps
        • xResolver: Find Alternatives Sites Very similar to xResolver.com
        • IG Tools and Alternatives websites to igtools. net
        • Different methods to check your Spotify stats
        • https www Twitch Activate Code – How to Activate Twitch TV
        • Exactly How To Allow Dark Mode In Snapchat
      • Error
        • How do I fix Hulu Error Code P-DEV320?
        • [pii_email_cb926d7a93773fcbba16] – How to Fix this Problem on Microsoft Outlook?
        • What is error 0x0 0x0? How to fix it? Special Guide
      • Login
        • Xfinity Login – Ways to Sign In to My Account
        • Z Library – The complete overview to virtual library
        • 192.168.1.1 – Router IP Admin Panel
        • HBOmax/tvsignin: How to Sign in to HBO Max?
        • Tips About How to Allow DApp Browser on Trust Wallet (2022)
        • Disneyplus com Login Begin: Disney+ Activation with 8 Digit Code
        • How to Sign in to Prime Video on your TV? Amazon.com mytv login
        • Everything about Dissociation of Yahoo Mail from AT&T Communication Service
        • Facebook Not Working? Common Facebook Issues and to fix them
        • Facebook Account Hacked – How to Recover?
        • 1and1 webmail 2021: the ultimate guide to login ionos webmail
        • TWC Roadrunner Email Login
        • Email That Doesn’t Require Phone Number – Find Here 15 Email Providers
        • Zoom.com Login
        • Verizon Email Login – How to login in to Verizon .net?
        • Bellsouth.net Email Login
        • Login to CompuServe Email Account – 2 Ways to Login
        • How to share your screen on Discord for PC and Smart Phone.
        • ATT Email Login – How to Log in Into AT&T By Yahoo
        • Telstra Bigpond Webmail Login – Your Simple Guide
        • AOL Login – How to do a Quick Login to an AOL Email Account?
        • GoDaddy Email Login – How to Login to my GoDaddy Account? 3 Ways
        • Yahoo Chat Room – Is It Still Available?
      • Is It Down?
        • Is Netflix Down?
        • Is Snapchat down now?
        • INSTAGRAM DOWN 2022: HOW TO SOLUTION YOUR APP IN YEAR’S FIRST MAJOR FAILURE
      • iPhone 12
    • Famous People
      • Do you Know the Legacy of Stamen Grigorov?
      • Markie Post Bio – What is She Doing Now?
      • Robert Sheehan: 15 facts you didn’t know about
    • Weather Tomorrow
    • Real Estate
      • Aston Martin Residences
      • The Best Miami Luxury Homes
    • Cars
      • Find Car Detailing Near Me
      • The Best Supercars
      • Best Electric Cars
      • Best Time to Buy a Car
      • Find the Best Cars for Sale
    • Entertainment
      • Clubs
        • Sqm Club – Find here Why it’s so Popular These Days.
      • Streaming
        • What is www IFVOD TV ? The Complete Guide.
        • What is www IFVOD TV ? The Complete Guide.
        • VIPLeague Review – The Complete Guide & VIPLeague Alternative
        • VIPLeague Review – The Complete Guide & VIPLeague Alternative
        • VIPRow Sports – The Complete Guide & Best VIPRow Alternative
        • VIPRow Sports – The Complete Guide & Best VIPRow Alternative
        • USTVGO.TV – 80+ Live Stream TV Channels 
        • Streameast & Alternatives Websites and Competitors
        • USTVGO.TV – 80+ Live Stream TV Channels 
        • Best Free Movie and TV Streaming Services that will saving your Money
        • VIPBox & 10 Web Sites Like VIPBox for Live Sports Streaming
        • 6streams – Alternatives Websites To See Boxing, MMA and NFL
      • Emojis
        • Emoji People
      • Music
        • Spotify
      • Movies
        • Project Free TV: 40 Best Alternatives to See Movies in 2021
        • SD Movies Point 2022: Download HD New Bollywood Movies
        • 123mkv Movies 2022 – Download Movies: Is It Legal & Safe To Use In India?
        • ibomma.com Movie – iBOMMA Telugu Movies New 2022 Free Download
        • HuraWatch: Are you searching for Watch Free Online Movies?
        • Horror Movies: The 15 Best Horror Movies of this Century
        • Filmyzilla 2022 – Is it Legal use Filmyzilla Bollywood Movies Download?
        • Horror Movies: The 15 Best Horror Movies of this Century
        • 9xmovies app – How can you Download Bollywood Movies?
        • HDhub4u Movie Download 2022 – Latest Bollywood Hollywood HD Movies
        • HDhub4u Movie Download 2022 – Latest Bollywood Hollywood HD Movies
        • Vegamovies HD Movies – How to Download Movies From Vegamovies nl, Vegamovies cc?
        • Vegamovies HD Movies – How to Download Movies From Vegamovies nl, Vegamovies cc?
        • TamilYogi HD Movies – Download the Latest Hindi & Tamil Movies
        • TamilYogi HD Movies – Download the Latest Hindi & Tamil Movies
        • TinyZone 2022: Free Streaming Web Site To See Online Videos and Reveals
        • TinyZone 2022: Free Streaming Web Site To See Online Videos and Reveals
        • GenYouTube Downloader GenYT Download YouTube Videos Online Totally Free Legal Or Not?
        • GenYouTube Downloader GenYT Download YouTube Videos Online Totally Free Legal Or Not?
        • Bolly4u Download Bollywood Hollywood Hindi Referred To As Movies Totally Free
        • Bolly4u Download Bollywood Hollywood Hindi Referred To As Movies Totally Free
        • Movierulz 2022 Most Current HD Movies Download on Movierulz.com
        • Movierulz 2022 Most Current HD Movies Download on Movierulz.com
        • Moviezwap Bollywood, Tamil, Hollywood, Telugu Movies HD Download And Install 2022 MoviezWap.org
        • Moviesflix 2022: All Hindi Bollywood, Hollywood 300Mb 480p, 720p, 1080p Internet Series and TV Download
        • Moviezwap Bollywood, Tamil, Hollywood, Telugu Movies HD Download And Install 2022 MoviezWap.org
        • ThePirateBay3 – Best 7 Similar Alternative Torrent Websites
        • Save From Net – Free Online Video Downloader By Savefrom.net
        • Queenslandmax Review – Is Queenslandmax a Fraud or legitimate?
        • Jio Rockers 2022 Telugu Movies – Download Now
        • Watch Free Movies Online Without Registration – Best Streaming Sites 2022
        • Einthusan Alternatives: Sites For Streaming Free Movies & TV Reveals
        • Downloadhub – Best Bollywood Movies Websites
        • MoviesFlix 2021 – Watch Free HD Movies
        • Afdah Movies – Watch Free HD Movies 2021
        • FZtvseries 2021: Watch Latest Movies
        • Losmovies 2021: Best Cost-free English Movies Website
        • Cmovies 2021: Watch Free HD Movies Online & Best Alternatives
        • Stream2Watch – The Guide to the 10 Best Alternatives
        • Project Free TV: 40 Best Alternatives to See Movies in 2021
        • Websites Like SolarMovie (SolarMovie Alternatives): Top Picks
        • 14 Working CouchTuner Alternatives in 2021
        • PirateBay Proxy List – Is your Pirate Bay Blocked?
        • Aashram Season 3: Everything You Need To Know
      • Gambling
        • How the UK Set the Standards for Online Gaming
        • A Look into Live Casino Technology
        • 9 Things You Should Know Before Gambling with Crypto
        • 3 Methods of Online Gambling That Have Become Popular in the Past Year
        • Which Casinos Are The Most Financially Successful in the History of Vegas?
        • Why would I want to play free slots?
        • Wild symbols in slot machines explained
        • How to avoid cheating and fraud in online casinos
        • Live Casinos Online: A Better Experience for Seasoned Players?
        • Main perks and benefits of being loyal to one gambling platform
        • Best Sports Betting Strategies
        • A Closer Look at Online Crypto Casinos
        • How do Sports Betting Odds Work? – The Ultimate Guide.
        • Understanding Different Types Of Online Slots
        • How to Read Odds: NBA Odds
        • Online Casinos
        • Betting
          • US Betting Sites
          • UK Betting Sites
          • Asia Betting Sites
          • The Best Sports Betting Sites
          • NBA Betting Sites
          • NFL Betting Sites In 2021
      • Animation
        • AnimeUltima – The Best 13 Alternatives to Watch Anime Online
        • Webtoon XYZ – The Complete Guide about XYZ Webtoon
        • Everything You Need To Find Out About AniMixPlay
        • KissCartoon 2021- Best 8 Alternatives to See Cartoon Online Free
        • Watch Anime Free – 21 Free Anime Sites to Watch Online the Best Anime
        • Mangastream is Gone… But there are 15 MangaStream Alternatives!
        • Bleach backs with a new manga´s chapter: see date & details
        • Baki Season 4 release date & all info – New Trailer
      • Gaming
        • Keyboards
          • Best 60 Percent Keyboard 2021
        • The very best Free PC Games to enjoy in 2021
        • Zombie Games – Do you know What are the Best Games for PC in 2021?
        • Rimworld
          • The best Rimworld mods
        • Final Fantasy
          • FFXIV Classes Guide on Final Fantasy 14 – select the best job.
        • What’s the Best MMORPG for PC ?
        • Cities – Skylines Mods
        • MBC2030 live login and Steps to mbc2030.live registration
        • Just How to Register WPC2023 Account? Everything Concerning WPC 2023
        • Wpit18 Com Login and Registration Guide
        • Sw418 Login: Complete Guide to Login and Registration procedure
        • Pacman 30th Anniversary: All About The Traditional Game’s Background
        • WPC2021 Live Dashboard – Complete Details Of WPC2021 Live Dashboard Login
        • WPC2025 Live Login, Why People Love To Play This Game?
        • WPC2026 Live – The Ultimate Guide for WPC2026.live Login
        • WPC2029 Live – The Ultimate Guide for WPC2029.live Login
        • What Is Wpc15 and how use it Dashboard on wpc 15.com/dashboard
        • WPC2027 – The Global overview on WPC 2027 Live
        • The Best io Games you can play today
        • The Best Strategy Games for PC
        • Clicker Games – Best Idle Games and Clicker Games on PC
        • Coin Master
          • Coin Master Free Spins – Daily Hyperlinks Updated
        • The Best Anime Games for PC – The list to play anime
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Honeywell – Honeywell International (HON) Q4 2020 Earnings Call Transcript

Jung Min-seo by Jung Min-seo
January 30, 2021
in Honeywell
0

Home » Honeywell – Honeywell International (HON) Q4 2020 Earnings Call Transcript

Honeywell – Honeywell International (HON) Q4 2020 Earnings Call Transcript

Logo of jester cap with thought bubble.

Image source: The Fintech Zoom.

Honeywell International (NYSE:HON)
Q4 2020 Earnings Call
Jan 29, 2021, 8:30 a.m. ET

Contents:

  • Prepared Remarks
  • Questions and Answers
  • Call Participants

Prepared Remarks:

Operator

Good day, ladies and gentlemen, and welcome to the Honeywell’s fourth-quarter earnings release and 2021 outlook. [Operator instructions] As a reminder this conference is being recorded. I would now like to introduce your host for today’s conference, Mark Bendza, vice president of investor relations. Please go ahead, sir.

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Mark Bendza — Vice President of Investor Relations

Thank you, Stephen. Good morning and welcome to Honeywell’s fourth-quarter 2020 earnings and 2021 outlook conference call. On the call with me today are Chairman and CEO Darius Adamczyk, and Senior Vice President and Chief Financial Officer Greg Lewis. This call and webcast including any non-GAAP reconciliations are available on our website at www.honeywell.com/investor.

Note that elements of this presentation contain forward-looking statements that are based on our best view of the world and of our businesses as we see them today. Those elements can change based on many factors including changing economic and business conditions and we ask that you interpret them in that light. We identify the principal risks and uncertainties that may affect our performance in our Annual Report on Form 10-Kand other SEC filings. This morning, we will review our financial results for the fourth quarter and full-year 2020, discuss our 2021 outlook, and share our guidance for the first quarter of 2021 and full-year 2021.

As always, we’ll leave time for your questions at the end. With that, I’ll turn the call over to Chairman and CEO Darius Adamczyk.

Darius Adamczyk — Chairman and Chief Executive Officer

Thank you, Mark, and good morning, everyone. Let’s begin on Slide 2. We finished a challenging year with a very strong quarter, driving sequential improvements from the third quarter in sales, segment margin, adjusted earnings per share, and robust free cash flow. In the fourth quarter, we’ve delivered adjusted earnings per share of $2.07, flat year over year and $0.05 above the high end of our guidance range.

These results were up 33% sequentially from adjusted EPS of $1.56 in the third quarter. Organic sales were down 7% year over year, 4 percentage points better than the high end of our guidance range and 7-percentage-point sequential improvement in the 14% organic sales decline in the third quarter. We did a double-digit year-over-year organic sales growth in defense and space, fluorine products, and recurring connected software sales, as well as 27% organic growth in safety and productivity solutions, an outstanding result. Our cost plans deliver our full-year commitment of $1.5 billion in savings and helped us protect margins.

We’re limiting our decremental margin in the quarter to only 26%, an improvement from Q3 29% decremental margin. Segment margin contracted 30 basis points year over year to significant improvement from 130-basis-point contraction in the third quarter, driven by margin expansion in aerospace, Honeywell building technologies, and safety and productivity solutions. We generated $2.5 billion of free cash flow in the quarter, up from $758 million in the third quarter and 9% at both Q4 2019, achieving 170% adjusted conversion. In terms of capital, we deployed approximately $2.8 billion of cash to dividends, growth capex investments, share repurchases, and M&A.

We’ll talk more about our recent M&A activity on the next page. For the full year, we deployed $3.7 billion to reduce shares outstanding by approximately 3%. With these strong fourth-quarter results, we finished 2020 with $7.10 of adjusted earnings per share, and then 11% organic sales decline was above the high end of our expectations from October. For the full year, we generated $5.3 billion of free cash flow, resulting in an adjusted conversion of 105% or 16% of the revenue, a very strong result.

There’s no doubt that the COVID-19 crisis created significant challenges for the business and economics around the world. I’m very proud of Honeywell’s ability to rise to the challenge to deliver strong execution in sequentially improving results throughout the year. Next, let’s turn to Slide 3 to discuss our recent M&A activity. I’m pleased with the progress we’ve made in actively reshaping our portfolio and our recent M&A announcements directly align with our ongoing transformation into a premier software-industrial company.

In the fourth quarter, we’ve completed three acquisitions and announced the fourth, all of which with the rigorous criteria in our M&A framework which ensures that transactions are aligned with our portfolio strategy and meet our return expectations. We have previously discussed the acquisitions of Rocky Research and Ballard Unmanned Systems which provide emerging technologies aligned to strategic initiatives in our aerospace business, as well as our strategic investment from the path to full ownership in turning the mobility which supports our Smart Cities breakthrough initiative in Honeywell building technologies. In mid-December, we acquired Sine Group, a technology, and Software-as-a-Service or SaaS company, that provides visitor management solutions that are readily accessible for mobile devices. Science technology will enhance our Connected Buildings offerings and will also support a mobile platform for a broader portfolio of Honeywell Forge offerings.

We will — we will expand on science features and solutions and make science products available to customers globally. Most recently, we announced an agreement to acquire Sparta Systems, a leading provider of enterprise-quality management software or QMS for the life sciences industry for $1.3 billion. We’ve previously highlighted the importance of the life sciences market to breakthrough growth initiative. The acquisition of Sparta further bolsters our software, controls, and analytics capabilities in this space.

Spart’s AI-enabled SaaS offering will combine with Honeywell Forge to provide greater value to our life sciences and pharma customers. Additionally, Sparta complements our growth strategies for the automation and visualization business within Honeywell Process Solutions enabling greater penetration in life sciences and the pharma market segments. Sparta will further bolster Honeywell’s portfolio of accretive, non-cyclical, recurring connected software sales. I’m excited about the new technologies and adjacencies we have unlocked through our recent acquisitions and investments.

We’ve said before that we have an active M&A pipeline and this series of acquisitions is further evidence that we are continuously developing our portfolio and investing in new opportunities. We also evaluate our portfolio for areas that are no longer core to our long-term objectives. Earlier this week, we signed an agreement to sell our performance in the lifestyle footwear business to a leading manufacturer of premium footwear and apparel, Rocky Brands. The transaction values approximately $230 million and is scheduled to close by the end of the first quarter.

Our SPS business will continue to provide industrial safety footwear for workers. M&A is just one important part of our broader capital-deployment strategy which also includes share repurchases, dividends, and capital expenditures. Let’s turn to the next slide to view our total capital deployment. In 2020, we continued to demonstrate our commitment to identifying and investing in high-return opportunities that help reshape the business for a software-oriented future.

Over the past few years, we have consistently deployed more than 100% of operating cash flow to fund share repurchases, dividends, M&A, and capital expenditure. 2020 was no exception. Even during a global pandemic, we deployed $7.5 billion of capital, essentially equal to the prior two years, demonstrating our commitment to investing in high-return opportunities in any environment. Now, let’s turn to Slide 5 where Greg will discuss our execution record in a downturn.

Greg Lewis — Senior Vice President and Chief Financial Officer

Thank you very, Darius, and good morning, everyone. We showed a slide similar to this one during our December investor webcast and I want to highlight it again here today because I think it nicely summarizes our ability to manage two tough times. Our execution through this year’s downturns clearly demonstrates our ability to move quickly and decisively to reduce fixed costs. to protect margins, to ensure liquidity, invest in growth, and position ourselves for recovery while at the same time, we maintained focus on our pre-transformation initiatives, Honeywell Connected Enterprise, Honeywell Digital, and the integrated supply chain.

At the beginning of the pandemic, we’ve first acted quickly to address our liquidity and cost structure. Our strong balance sheet provides us with stability, as well as the opportunity for investment during challenging times. And as you saw from Derek, we took advantage of that. Through a series of actions to further bolster our point — our financial flexibility, we increased our cash and short-term investments from approximately $10 billion at the end of 2019 to over $15 billion by the end of the second quarter, which we’ve maintained through the end of the year, demonstrating our ability to generate strong cash flow and efficiently answer to capital markets during even the most disruptive times all while protecting our debt rating.

On the costs side, we responded fast and early to the crisis by identifying and delivering on a two-stage cost program. We have achieved $1.5 billion in year-over-year fixed cost saving as we had committed. Approximately 70% of these savings or about $1billion represent a permanent reduction to our fixed cost base. To achieve this, we curtailed discretionary expenses, took temporary actions to reduce costs including reducing executive and board pay, and we moved significant structural costs through our repositioning programs.

Our streamlined cost base positions us well for 2021 recovery and will drive margin expansion across all four of our segments, as well as capacity for investments as sales recover in 2021 and beyond. As Darius described on the previous page, we strategically deployed capital to drive returns and to position our business for future growth. Importantly, we also directed resources to address our customers’ COVID-19 challenges around the world. We’ve deployed additional capital into high-return growth investments, to address urgent customer needs, particularly in personal protective equipment, and warehouse automation.

We’re also helping the world cope and recover from the effects of COVID-19 through our new portfolio of healthy solutions. We generated approximately $655 million in sales for our healthy solutions in 2020 and we have a pipeline of approximately $2.1 billion which would drive growth again in ’21. As a result of our swift actions during the downturn, 4Q decremental margins were limited to 26%, improving from 33% in 2Q and 29% in 3Q and demonstrating our ability to protect our margins in a very difficult environment. We are clearly well-positioned for a variety of outcomes as the recovery progresses into 2021 and beyond.

And our shareholders are benefiting from that with a total shareholder return of 23% in 2020, which was over two times greater than the XLI. Now, let’s turn to Slide 6 to discuss our fourth-quarter results in a bit more detail and our 2021 outlook. As Darius highlighted, we delivered a strong fourth quarter to end 2020 with sequential improvement from third quarter on all our key financial metrics. Sales declined by 7% organically due to the effects of the COVID-19 pandemic which is 4 percentage points better than the high end of our guidance and represents a 7-percentage-point sequential improvement from the 14% organic sales decline in the third quarter, driven by sequential sales growth from the third quarter in all four segments.

Starting with aerospace, fourth-quarter sales were down 19% organically, a six — a 6-percentage-point sequential improvement from the down 25% we had in the third quarter. Lower commercial aftermarket demand due to the ongoing impact of reduced flight hours and lower volumes in commercial OE equipment was partially offset by double-digit growth in defense and space. Though still down significantly year over year, our commercial aftermarket business did improve sequentially from the third quarter. Our air transport aftermarket business was down 48% organically in the quarter, compared to 55% in Q3.

And our business aviation aftermarket was down 6% organically, compared to 28% in the third quarter. Moving on to building technologies, sales declined 4% organically, a 4-percentage-point sequential improvement from the 8% down in 3Q. Building Solutions projects were impacted by timing due to the customer order pushouts we saw earlier in the year which is partially offset by growth in services. Customers are now placing orders for projects that they had previously delayed.

As a result, orders in Building Solutions grew 32% year over year and the services’ backlog was up double-digits year over year to finish the fourth quarter, position the business well for ’21. On the building products side of the portfolio, sales and orders improved sequentially from the third quarter and the commercial fire business returned to year-over-year growth. In PMT, sales were down 12% organically, a 4-percentage-point sequential improvement from the 16% organic decline in 3Q. Process Solutions was impacted by continued delays in projects and services, as well as volume declines in thermal solutions and smart energy due to end-market softness.

However, Process Solutions’ orders were up 30% sequentially from Q3. UOP continued to be impacted by weakness in the energy end markets, though sales improved sequentially from the third quarter across the UOP portfolio and orders were up 21% versus the third quarter as well. Finally, Advanced Materials’ sales increased 8% year over year organically, driven by growth across the fluorine products portfolio including strong auto and fluorine demand. In SPS, organic sales were up 27% year over year, a very strong result to end the year in which the SPS team stepped up to meet the unprecedented demand for critical safety products.

Intelligrated and personal protective equipment led the way with another quarter of double-digit organic growth, followed by high-single-digit growth in productivity solutions services. We are encouraged by the turnaround that the team has orchestrated in 2020. SPS exited 2020 with a backlog of approximately $4 billion which was nearly double our backlog at the end of 2019, placing the business in a very strong position to start 2021 where we expect to see a robust first half in particular. Overall, we expanded margins year over year in three of the four segments: aerospace, HBT, and SPS, limiting Honeywell’s overall segment margin contraction to 30 basis points and ending the quarter with a segment margin of 21.1%.

This was a sequential improvement of 120 basis points from 3Q-segment margins of 19.9% and an improvement of 260 basis points from the 2Q trough, demonstrating the effect of the — the effectiveness of our response to the pandemic, in particular, our cost actions and operational rigor. We delivered cost actions in the fourth quarter that brought us to $1.5 billion of savings for the year, right at the stated range that we have highlighted earlier, limiting our full-year margin contraction to 70 basis points despite the challenging operating environment. We delivered adjusted earnings per share of $2.07, flat year over year and up 33% sequentially from adjusted EPS of $1.56 from the third quarter. This result was $0.05 above the high end of our guidance, driven by higher segment profit due to better-than-expected sales volumes in aerospace, HBT, and SPS.

Given the strength that we saw in the fourth quarter, we were able to make discrete investments in the business and our employees, including an IT marketing spend for Forge and brand expansion in the Middle East and China, as well as a special $500 Recognition Award for our ISC front-line production and production support employees who performed so greatly and well through this crisis. Repositioning with lower than in 4Q a year ago as expected, driving a $0.15 year-over-year tailwind below the line. Interest income and foreign currency were lower than 4Q ’19, driving a $0.07 headwind below the line which was offset by higher-pension income. Our effective tax rate and share count were also lower than in the fourth quarter of ’19, driving $0.02 and $0.04 of EPS benefit, respectively.

A bridge from 4Q ’19 adjusted earnings per share to 4Q ’20 can be found in the appendix of this presentation. I am also proud to report that our fourth-quarter cash flow generation was very strong. We generated $2.5 billion of free cash flow, up 9% year over year, resulting in an adjusted free cash flow conversion of 170%. Free cash flow and conversion both improved year over year due to working capital improvements, including [Technical difficulty] and strong collections.

Our teams put an extra focus on cash in the fourth quarter and really delivered and we expect to continue this progress in ’21, particularly on inventory. In terms of capital deployment, we paid approximately $670 million in dividends, repurchased $1.6 billion of Honeywell shares, overdelivering on our commitment of a 1% share-count reduction in 2020. We invested approximately $300 million in capex and deployed over $250 million to complete three acquisitions. So, all in all, a very strong fourth quarter to close out 2020.

Now, let’s turn to Slide 7 to talk about our 2021 planning assumptions. We hope and expect that the worst is behind us as we move on from 2020. We are seeing promising signs of recovery unfolding, but there continue to be a few key uncertainties to be mindful of. Over the past couple of months, we’ve seen governments around the world approve multiple effective COVID-19 vaccines and begin rolling them out.

Our current view of ’21 assumes the vaccines are widely distributed, leading to lower, manageable infection rates over time and allowing the global economy to largely reopen and stabilize. However, many regions have recently been coping with a new wave of infections and lockdowns, new COVID strains, and vaccine distribution challenges. So, it remains unclear when exactly infection rates will slow down materially and the — and the economic recovery will really accelerate. As a macro-planning assumption, we’re expecting the recovery to be weighted in the second half of the year and are expecting to experience a little bit of a slower start in 1Q.

We’re assuming fiscal stimulus remains supportive of the economy in ’21. We do expect passengers will begin flying more freely again as the vaccine rollout begins, leading to a modest improvement in global flight hours in the first half and acceleration in the second half. Though this is one area where we are seeing some of this softness, particularly in China and APAC as the year begins. We also expect stability in defense budget spending.

And finally, we assume improved macro conditions broadly will drive a moderate increase in oil consumption in the second half of the year. Given that, let’s turn to Slide 8 and discuss our markets and segment outlook. Starting in aerospace, the previously mentioned increase in flight hours as the pandemic subsides will gradually lead to improvements in our commercial aerospace business, as aftermarket demand accelerates, particularly in the second half. However, we expect a recovery in the commercial OE business to lap the commercial aftermarket recovery due to the gradual ramp in commercial OEM build rates.

Stable defense spending should support continued growth in our defense and space business, the latter reduced pace versus the double-digit growth we experienced in 2020. In total, we expect the aerospace business to be flat to up low-single digits in ’21. In HBT, we expect the non-residential market to remain relatively stable in ’21. We anticipate solid demand for building products and management systems in key verticals, including data centers, warehousing, and healthcare.

However, in other verticals including hospitality and commercial offices, we expect them to remain challenged as the world recovers from the effects of the pandemic. These challenges will be partially offset by the traction we have been dealing over the past couple of quarters with our healthy Building Solutions with key wins in education, commercial offices, healthcare, and some government verticals. Our solutions address key customer concerns including air quality, social distancing, and controlled and cautious access. And we expect continued demand through the year.

Building Solutions ended 2020 with a quarter of strong year-over-year orders growth, which — which positions the — the business well for ’21. And we expect customers to continue placing orders that they’ve deferred in ’20 as the macroeconomy recovers. We also have a robust services backlog that is up strong double digits year over year and will support 2021 growth. We don’t expect building access to be a significant issue in ’21, so we don’t anticipate any material challenges getting on sites to complete projects.

In total, we expect HBT to grow low-single digits for the year. In PMT, we expect the oil and gas and petrochemical markets to remain relatively flat with oil consumption picking up slightly in the second half. We expect the HTS recovery to be led by our large backlog of global megaprojects and the products businesses. In UOP, we expect the energy markets to remain challenged through the year, particularly in the first half.

However, we expect business conditions will recover soon for petrochemicals and for oil and gas. We anticipate increasing investments in renewable fuels which will drive demand for our new sustainable technology solutions business and partially offset challenges in the oil and gas market. In addition, the specialty chemicals market is expected to grow modestly in ’21 with strength in global healthcare, automotive, and residential construction end markets driving demand for advanced materials. Overall, we expect PMT to be down slightly to up low-single digits for the year.

Lastly in SPS, we expect continued strength in warehouse automation and Personal Protective Equipment as we execute the delivery of our robust backlog. We also expect Productivity Solutions and services to grow as the strategic turnaround in the business drives market share gain and we expect gas sensing to recover in line with the market. In total, we expect SPS to grow double digits in ’21 with comps getting tougher in the back half as we lap strong growth in the back half of 2020. So, overall, we see improvement across most of our key end markets in ’21 and we have confidence in our continued operational execution.

The pace of the recovery may vary due to the items we discussed on the prior slide, so we are taking a cautious approach as we begin the year. Now, let’s move to Slide 9 to discuss how these dynamics come together for our 2021 financial guidance. For 2021, we expect sales of $33.4 billion to $34.4 billion, which represents overall organic growth — sales growth in the range of 1% to 4%, reflecting double-digit recurring connected software growth and the impact of our announced M&A and divestitures. Segment margins are expected to expand 30 basis points to 70 basis points, supported by higher sales volumes and our stream-lined fixed cost base, following 2020 cost actions with investment for growth.

While we expect margin expansion across all the businesses, SPS will lead the path as we scale up capacity and become more efficient, followed by aero, driven by high-margin, aftermarket recovery. These organic growth and segment margin expectations are consistent with our long-term commitments for low to mid-single-digit organic growth and 30 basis points to 50 basis points of margin expansion and give us flexibility to deliver earnings growth and invest for the future. 2020 was a challenging year, but we’ll be back on track to deliver our standard commitment to shareholders in 2021 and beyond. The net-below-the-line impact, which is the difference between segment profit and income before tax is expected to be in the range of negative $130 million to positive $20 million, which includes capacity for $400 million to $525 million of repositioning.

We expect an effective tax rate of approximately 21% to 22% and a weighted average share count of approximately 705 million for the year, representing our minimum 1% reduction in shares. As a result, we are guiding earnings per share of $7.60 to $8.00, up 7% to 13% adjusted. We see free cash flow in the range of $5.1 billion to $5.5 billion in 2021. That represents cash margins of 15% to 16% of sales, commensurate with the 2019 and 2020 rates that we have demonstrated and a cash conversion in the 95% range.

Keeping in mind that our conversion, excluding non-cash hedging income, would actually be approaching 115%. So, very healthy odd numbers overall. This range does include $375 million that we expect to receive in an up-front payment from Garrett, resulting from their proposed plan of reorganization. We’ll continue to include cash receipts from Garrett going forward within free cash flow in order to be comparable to prior periods where the cash proceeds from the indemnification and reimbursement agreement will recognize.

And just to spend a minute on that topic, we are pleased that Garrett has agreed to the plan of reorganization under which they will be recapitalized and well-positioned to meet their obligations, including those to Honeywell, and will avoid costly litigation. We believe this is the right path forward that maximizes value for all stakeholders. Now, let’s turn to Slide 10 and walk through our 2021 EPS bridge. Segment profit is expected to be the key driver of our earnings growth, higher sales volumes, commercial excellence, continued productivity improvements, and ongoing benefits from previously funded repositioning will contribute $0.54 per share at the midpoint of our guidance.

The impact of our acquisitions of Sparta, Sine, and Rocky Research, and the divestiture of the retail footwear business will drive a $0.07 headwind at the midpoint. Below the line, other items are expected to be a $0.22 benefit per share at the midpoint of our guidance, primarily driven by higher pension income in ’21 compared to 2020. I’d like to take a moment to discuss those pension dynamics in a little bit more detail. We — we expect approximately $1.1 billion of pension and OPEB income in ’21, up approximately $260 million from 2020 with the majority of this increase related to our U.S.

pension plan. We had de-risked our U.S. pension plan to approximately 60% of plan assets being in more conservative fixed-income-like assets and the remainder in return-seeking assets. As a result of another strong portfolio performance in 2020, our funds returned approximately 14%, increasing our pension asset base compared to the prior year.

This higher asset base, combined with lower discount rate, is driving higher income in 2021. Our diligent management and strong returns have been an important value driver for the company, putting us in a position where our pension funding status continues to be robust ending the year at 113%. For taxes, we expect an effective tax rate of 21% to 22%, which would result in a $0.06 headwind per share at the midpoint. And finally, our base case is that our share repurchase program will result in a benefit of $0.07 per share as we reduce our weighted average share count from 711 million to at least 705 million shares.

So, in total, we expect 2021 earnings per share to be in the range of $7.60 to $8.00, up 7% to 13% year-over-year adjusted, nearly back to 2019 levels. Now, let’s turn to Slide 11 for a preview of the first quarter. As I noted earlier, we’re entering 1Q with a cautious stance as the environment continues to evolve real-time, which is driving a wider-than-usual range per quarter. We expect organic growth in the first quarter in the range of down 10% to down 5% organically, which brackets our fourth-quarter sales growth performance and recognizing market conditions could vary.

The year-over-year sales decline will be driven by continued headwinds in commercial aerospace and UOP, partially offset by ongoing strength in warehouse automation, PPE, and Advanced Materials, as well as gradual recovery in other areas of the portfolio. Keep in mind, 1Q will be our toughest comp for the year across all four segments, since the first quarter of last year was only partially disrupted by the COVID pandemic. We expect segment margins in the range of 20.4% to 20.9% in the first quarter, slightly below the fourth quarter, based on lower sales leverage, given our usual sequential stepdown in sales from 4Q, partially offset by ongoing productivity. That represents a year-over-year segment margin contraction of 140 basis points to 90 basis points.

We have positioned ourselves with a stream-lined fixed cost base for ’21 and expect sequential segment-margin improvement from the second quarter on. The net-below-the-line impact is expected to be between a $40 million expense and a $5 million benefit with a range of repositioning between $100 million and $140 million as we continue to fund ongoing restructuring programs. We expect the effective tax rate to be in the range of 23% to 24% and the average share count to be approximately 705 million shares. As a result, we expect first-quarter earnings per share between $1.68 and $1.83, down 24% to 17% year on year.

Now, let’s take a moment to walk through our expectations by segment. In aerospace, we expect first-quarter global flight hours to remain relatively flat in the fourth quarter. We could see a step back in 1Q in certain regions given the flare-up in infection rates over the holidays. As a result, we expect current softness in flight hours to continue impacting our air transport and — and aviation market sales in the first quarter.

In addition, lower air transport OEM build rates and lower business jet demand will continue to impact our commercial Original Equipment business. We expect defense and space to partially offset the challenges in commercial aerospace, supported by a stable U.S. defense segment. In Building Technologies, we expect business conditions to remain similar to conditions in the fourth quarter.

We don’t expect significant issues accessing our customer sites as I mentioned earlier, which will enable us to deliver projects as normal. Our strong Building Solutions services backlog to drive growth in the quarter and we expect demand for building products to continue improving. In addition, we expect continued customer moment — momentum with our portfolio of healthy building solutions. In PMT, we expect continued customer capex and opex budget reductions and project delays to impact the engineering and licensing businesses in UOP and projects and services in HPS.

In UOP, we expect continued weakness in gas processing and lower catalyst shipments due to the lower production and refining volumes. However, we do expect to see some demand return in Process Solutions’ product businesses and we expect another strong quarter from Advanced Materials, driven by continued demand in fluorine products. Finally, we expect continued strength in SPS with another quarter of double-digit growth in Intelligrated and Personal Protective Equipment. Our Personal Protective Equipment backlog remains up triple digits year over year and our Intelligrated backlog is over $2.5 billion, giving us confidence for the first quarter and the full year.

For Productivity Solutions and Services, we expect continued growth driven by market share gains and low inventory levels in the channel, due to favorable sales out of distributors. While macroconditions continued to put pressure on the sensing in IoT and gas sensing businesses, we expect strong overall SPS sales growth for the first quarter. Now, before I turn it back to Darius, let’s look at Slide 12 and — and talk through the ultimate measure of our performance through this crisis, total shareholder return. We’re creating shareholder value in outperforming the industry in the broader market in all environments.

If you look at this chart, you will see that Honeywell has shown remarkable consistency, outperforming both versus the XLI and the Dow Jones Industrial Average, indicative of the outstanding resiliency of the company. Investors can depend on Honeywell to generate superior return compared to the benchmarks regardless of market timing due to our rigorous and proven value creation framework, as well as the Honeywell operating system. These crises reinforce the fact that our value creation framework which we discussed at length in our December investor webcast is highly effective in delivering consistent outperformance in all marketing conditions. In fact, this framework drove Honeywell shareholder returns above both the XLI and Dow Jones Average — Industrial Average again in 2020.

So, with that, I’d like to turn the call back over to Darius.

Darius Adamczyk — Chairman and Chief Executive Officer

Thank you, Greg. Before we wrap up, I’d like to take a minute on Slide 13 to discuss one of the key elements of our overall ESG story. Last quarter, we discussed Honeywell’s commitment to shape a safer and more sustainable future. This time, I’d like to focus on another important topic, corporate social responsibility.

Honeywell is committed to corporate social responsibility and community involvement, which we demonstrate through our unique global programs to look to improve lives and inspire change in the communities around the world. Beyond these programs, we acted quickly throughout the course of the pandemic to address the needs of our employees, communities, and customers. A few of our more recent actions are shown on this slide. Most recently, we announced our participation of a unique public-private partnership backed by North Carolina Governor, Roy Cooper, to help support the goal with 1 million COVID-19 vaccinations by July 4, 2021.

We have partnered with Atrium Health, Tepper Sports & Entertainment, the Charlotte Motor Speedway, the State of North Carolina to administer the vaccine, manage complex logistics, and to provide operational support for mass-vaccination events. We’re very proud of — of — to — to be part of this effort to prevent further spread of the virus by helping frontline workers and other members of our communities to get vaccinated. Another recent example of Honeywell’s contribution to our communities is the important mask delivery milestone we achieved in December where we delivered more than 225 million face masks to help protect workers in their response to COVID-19. We delivered N-95 respirators and surgical face masks to multiple locations in the U.S.

for healthcare systems, the Federal Emergency Management Agency, and the U.S. Department of Health and Human Services. In addition, we shipped millions of masks to both state and local governments. We are proud of these contributions and our role in providing much-needed PPE to workers around the country responding to the pandemic.

Finally, we’re also committed to recognizing and respond to the needs of our employees. We recently recognized the dedication and strength of our own frontline Integrated Supply Chain production teams, who have been instrumental in keeping our manufacturing sites running safely, enabling us to meet critical customer needs during these unprecedented times. To show our appreciation, we announced a special $500 Recognition Award for each of our frontline production and production support employees. We continue to be inspired by the members of our Integrated Supply Chain team who have truly gone above and beyond to support our customers throughout this pandemic.

Now, let’s wrap — wrap on Slide 14. There is — there is no doubt that 2020 was a challenging year. However, we effectively managed through the downturn, the repercussions of the global pandemic by focusing on liquidity, cost management, strong operational execution, and investment for the future. We drove sequential improvement from the third quarter’s — in sales, segment margin, adjusted earnings per share, and free cash flow creating good momentum into 2021.

The past year was another proof point that the Honeywell value creation framework delivers outperformance even in the most challenging economic and market conditions. We continue to invest in organic and inorganic growth opportunities in the downturn through high-return capex and M&A, positioning ourselves for the future and the recovery to come. These growth investments will help us solve challenging problems for our customers, address critical global sustainability issues, and drive superior shareholder returns. I’m proud of Honeywell’s rapid and effective response to the challenges of 2020.

Our employees around the world work hard to quickly adapt and deliver through the crisis, including the ramping of production of critical PPE, developing our portfolio of healthy solutions, and delivering growth in multiple areas of the portfolio. We are well-positioned for a recovery in the second half of 2021 and beyond as demonstrated by our expectation to return to our key long-term growth commitments for 2021. With that, Mark, let’s move to Q&A.

Mark Bendza — Vice President of Investor Relations

Thank you, Darius. Stephen, give us a — a moment while we gather here for a Q&A.

Questions & Answers:

Operator

Absolutely, sir.

Mark Bendza — Vice President of Investor Relations

OK. Darius and Greg are now available to answer your questions. [Operator instructions] Stephen, please open the line for Q&A. Thank you.

Operator

[Operator instructions] We will now take our first question from Nigel Coe with Wolfe Research. Please go ahead.

Nigel Coe — Wolfe Research — Analyst

Thanks. Good morning, everyone. Thanks for all details on the guidance. So, your — your 1Q sales guide — so, I just wanted to — to dig into that.

You’ve fired — you fired some good general detail on what you’re expecting but the — the midpoint’s stepping ups and down very similar to what we saw in 4Q despite, you know, much of your comps. So, I’m just wondering was there any, you know, ended unusually in 4Q, any budget clutches that some, you know, speculations there, some pre-COVID activity from other companies, etc. So, just wondering if you’ve seen, you know, the tight — tight supply chain causing some bringing forward of demand that maybe causes the sales guide to be, you know, sort of essentially flat Q over Q with what you saw in August.

Darius Adamczyk — Chairman and Chief Executive Officer

Yeah, I — yeah, I don’t know that there was anything unusual in Q4. I mean, I think, you know, obviously, we’ve kind of see our continued ramp-up of our SPS business that will continue, but it, you know, does start planting at some point. You know, PMT basically came out of borders as –as we expected, you know, as we know that UOP business particularly as lumpy in the — the mix of the catalyst shift can vary dramatically. You know, I — I think, if you look at overall, you know, COVID is a big play in this.

And I would say, especially if you compare the COVID situation early in Q4 versus where we are now, we’re in a much worse place. I mean, that’s — so, that — obviously, that has some weight on it. You know, and — and frankly, you know, we — we really thought about whether or not we should guide Q1 at all. I mean, I think that, you know, we’re in a place that’s — the level of infection throughout the world is the highest it’s ever been right now and there’s a lot of uncertainty.

You know, but we thought we’d give sort of our best effort and provide a little wider range than normal to give our investors some — some of our best, really educated view where we think we’re going to end up. But there’s a lot of — there’s more uncertainty this quarter. And, Greg, I don’t know if you want to add —

Greg Lewis — Senior Vice President and Chief Financial Officer

Yeah. I mean — I mean even for all of us, I mean, traveling is a question mark if you read the — The Journal this morning, they talked about the airlines and concerns even in the U.S. about whether there’s going to be testing requirements put in place for domestic travel. We know that that’s been put in place already on international travel.

So, yeah. To Darius’ point and I just think there are some things out there that are really kind of hard to predict. But, you know, as I — as I said in my remarks, I mean, the — the down-10%-to-down-5% kind of bracket, the down 7% we had in the fourth quarter. You know, the down 10% is in case something, you know, gets — gets worse that, you know, we don’t really, you know, can — can see this moment.

But, you know, it could be — it could be better than — than that if — if things progressed. So — so, no — nothing — there’s nothing strange, I mean, we always have a fourth quarter to 1Q, you know, decremental sequential sales. The sales — 4Q is always our strongest quarter. So, nothing unusual in there.

Darius Adamczyk — Chairman and Chief Executive Officer

Yeah. And just — just to add to that, you know, I think, you know, actually predicting that sort of inline is, you know, probably not that unusual. You know, and then, you know, aerospace which obviously is our biggest business, the thing to consider there is, you know, if you look at infection rates and the fact at least in the western world where you have a, you know, holidays, you know, the air miles flown could be actually down and, you know, we see that. We actually — given some of the outbreaks that we saw, you know, earlier this quarter in China and Asia-Pac, specifically, is where we’re seeing some pressure.

So, you know, that — that’s sort of the — that’s sort of the puts and takes at the corner.

Nigel Coe — Wolfe Research — Analyst

Thanks very much.

Operator

And we will take our next question from Steve Tusa with JPMorgan. Please go ahead.

Steve Tusa — J.P. Morgan — Analyst

Hey, guys, good morning.

Greg Lewis — Senior Vice President and Chief Financial Officer

Good morning, Steve.

Darius Adamczyk — Chairman and Chief Executive Officer

Good morning.

Steve Tusa — J.P. Morgan — Analyst

I wish I had time to read The Journal this morning. That’s — that’s impressive. You can read The Journal on — on earnings day. You must have it all wrapped — wrapped up there.

Just — just on the margin side, you know, pretty decent margin expansion guided for this year. Assuming you guys do better on sales, would there be any reason as to why those margins would be, you know, would be weaker than you’re guiding to. Or do you think that, you know, if you — if you do a little better on sales, you can still kind of convert it at this, you know, high level?

Greg Lewis — Senior Vice President and Chief Financial Officer

Yes. So, Steve, I — I think what we’ve tried to do is position ourselves this year, you know, for anything. So, I mean if — if we guided something we feel like is very much deliverable in that 30% to 70% range, and if it still has actually turned out to be better, I think two things can happen. One, we could convert a bit of a higher rate.

But two, we may invest more back in the business. We — we have some important things to get done in — in aerospace from an R&D perspective. We are funding some of that already. If things get better than we think, then we — then we could let the line out a little bit further.

So, if you look at our conversion in the — in the last three-quarters of this guide, it’s really converting at like 37%. You know, just the math — the math says a 37% conversion rate in Q2 through Q4 with — with this guide. So, we think it’s a pretty strong rate conversion as — as it stands right now and — and we’re trying to give ourselves optionality to both deliver, you know, earnings as well as make sure we’ve got some room for investments.

Darius Adamczyk — Chairman and Chief Executive Officer

You know, keep in mind that —

Steve Tusa — J.P. Morgan — Analyst

Is — is that a — is that high-30s sustainable? Is that high-30s kind of a sustainable rate going forward?

Greg Lewis — Senior Vice President and Chief Financial Officer

I — I think that remains to be seen. I — I — we’re — we’re very — again, we’re — we’re very confident that now that we’re this 30% to 70% this year gets us right back in the 30% to 50% long-term framework that we’ve been consistently able to deliver. So, that’s — that’s what I guess I would say.

Darius Adamczyk — Chairman and Chief Executive Officer

Yeah. I mean, I think, a couple of points. First of all, if you — if you take a look at our conversion rate for 2021 versus the deconversion and/or deleverage ratio, it’s better, right? And –and — and then we project that in Q2 to Q4. You know, the wildcard in a lot of this is aero aftermarket, right? I mean, that is probably the single hardest number for us to call because it is directly correlated to vaccinations and roll — speed of those vaccinations and rollout.

If that comes in better than we’re projecting, then, you know, obviously, there’s a — there’s upside to the margin rates. If it doesn’t, well then, you know, probably going to be someplace in the mid-to-lower end. But I think it’s really important to note something else, Steve, which is, I mean if you look at the upper end of our margin rate for 2021, I mean, we get back to 2019 levels. I mean — so, basically, we’re kind of taking a one-year break, you know, and in initial — initially were discussions about whether we take three years or two years to get back to that.

And we’re kind of getting both on the EPS range and so on, pretty much to 2019. And of course — so –so, it’s sort of a one-year break. But, you know, as usual, you know, we’re trying to be prudent in our planning. Those early on in the year, with this many unknowns, with the vaccine at levels the world has never seen, you know, so — so, we’re trying to embed that into our guidance.

And obviously, we’re going to provide you more clarity as the year progresses.

Steve Tusa — J.P. Morgan — Analyst

One — one more quick one. Will you guys pretty much track flight hours in commercial air — aerospace aftermarket, or will there be, you know, kind of a lag like some have talked about?

Darius Adamczyk — Chairman and Chief Executive Officer

If there’s a little bit of a lag, but there’ll be a correlation eventually. So, as you know, those — those numbers are kind of correlated. So, as we track the, you know, flight hours travel, yeah, there might be a bit of a lead-lag but — but the correlation is there.

Steve Tusa — J.P. Morgan — Analyst

Thanks.

Operator

We will take our next question from Scott Davis with Melius Research. Please go ahead.

Scott Davis — Melius Research — Analyst

Hey. Good morning, guys.

Darius Adamczyk — Chairman and Chief Executive Officer

Good morning.

Greg Lewis — Senior Vice President and Chief Financial Officer

Good morning, Scott.

Scott Davis — Melius Research — Analyst

I’ll keep the one question. But hopefully, you guys can answer it a little bit more broadly than perhaps what I’m asking directly. But can we talk about Intelligrated and — and just the, you know, kind of how scalable it is? I mean, are your margins rising as you — as you — as you grow? You know, I — I know the installer isn’t necessarily all that profitable, but are you actually seeing an improvement in — in — in margin structure perhaps because of the supply and-demand imbalance, maybe better pricing that’s leading to better margins? I’ll just leave it at that and if you can give some color there, that would be great.

Darius Adamczyk — Chairman and Chief Executive Officer

Yeah. Let me start on — Greg on –you know — you know, I don’t — I don’t we’re expecting dramatic margin improvement in Intelligrated in 2021, and let me explain why. The reason is that we’re just booking an incredible amount of greenfield projects, you know, you — you saw the — it was another incredibly robust year in terms of bookings. We expect double-digit growth again.

You know, and particularly, you know, what’s really important is to look at the ratio of our aftermarket business to our projects business. And as you can imagine, that’s not changing. Or if anything, probably the projects are growing that much faster than aftermarket. So, obviously, that was going to pressure on the margin but — but, you know, that — we should view that as a good — as a good-news thing because as I explained this before, eventually, when the growth slows down, the –the — the growth rate will be slower but the margin rate will be higher.

But we’re still going to be very much in this greenfield-expansion mode for the next few years which means higher growth rates, lower margins which over time is going to moderate to lower — high top-line growth rates and higher margins because that’s sort of how that business is going to grow. What’s really encouraging here is the amount of share that we’re gaining in the marketplace. There is — unquestionably, this business is winning and winning big in the market.

Greg Lewis — Senior Vice President and Chief Financial Officer

Yeah. And I would just add to your question about scale that’s — we talked about some of our growth investments and some of them are here to scale this business. So, we are making investments in capacity and scaling up as we go both here and in Europe, you know, to — to — because again, that was also part of the plan as well, broadening, you know, our reach beyond just the U.S. So, that’s a — that’s a big focus for this team.

The — the scale question is — is one of the biggest things that they have on their plate and, you know, we’re making nice progress.

Scott Davis — Melius Research — Analyst

Yeah. Good luck, guys. Thank you.

Darius Adamczyk — Chairman and Chief Executive Officer

Thank you.

Greg Lewis — Senior Vice President and Chief Financial Officer

Thanks.

Operator

We will take our next question from Andrew Obin with Bank of America. Please go ahead.

Andrew Obin — Bank of America Merrill Lynch — Analyst

Yes, good morning. Sort of continuing with sort of contango and other business, you know? You announced a deal with SAP on the Building Solutions and you didn’t provide a lot of details but since then, I think, Lach has published in extensive depth, talking about very, very aggressive market growth targets. I — I was just wondering if given that there is a competitor there with aggressive targets for market growth if you could just talk about maybe in a little bit more detail about opportunities that you are seeing in sort of software on the building side as this business is evolving?

Darius Adamczyk — Chairman and Chief Executive Officer

Yeah. I mean, you know, a couple of things. Number one, so, we’re seeing very strong double-digit growth in our Connected Buildings offering, the S&P partnership that we’re working on. We’re actually still innovating together.

We’re launching aggressively — even more aggressively into the marketplace this quarter — next quarter as we complete some of that joint innovation. Just to give you a perspective, you know, across all of our business units, to — this will give you a hint as to how well this business did. Our Honeywell Connected Buildings business won The Business Unit of the Year across all of Honeywell. So, that will tell you a lot about its financial performance.

So, that business is growing as fast as any business we currently have and getting traction with the SAP partnership, but we’re also getting traction in the marketplace. Because frankly, it’s a — it’s a gap that’s unfilled and — and we don’t think that there is anything out there that’s as comprehensive in terms of our Connected Buildings solutions than what we have, which really covers the full scope of energy management, occupant comfort, safety, overall maintenance footprint. So, it’s — it’s really comprehensive just about anything and everything related to a building. And — and that biz — that business is, you know, think about a high-double-digit-growth kind of numbers.

Andrew Obin — Bank of America Merrill Lynch — Analyst

Well, thank you.

Darius Adamczyk — Chairman and Chief Executive Officer

Sure.

Operator

We will take our next question from John Inch with Gordon Haskett. Please go ahead.

John Inch — Gordon Haskett — Analyst

Thank you. Good morning, everybody.

Darius Adamczyk — Chairman and Chief Executive Officer

Good morning.

John Inch — Gordon Haskett — Analyst

Darius and Greg, under — good morning. Under what scenario would PMT sales be negative in terms of your range to the low end of your guide? And I’m just thinking out loud, you know, you — you do have other buildings, publishers, and floorings which is going to be really good. I would think there’s EOP catalyst reload likely next year based on pent-up demand. And then we’ve got commodity prices higher.

I — I’m just wondering how that actually plays into your thinking for the segment, both in terms of sales and margins. And I think PMT decrementals were about 50% or over that in the fourth quarter. So, any color that you can provide. And — and I’m — I’m cramming a bunch of stuff into my one question.

So, there you go.

Darius Adamczyk — Chairman and Chief Executive Officer

Yeah. No. Very good adaptation. But-so — so, you’re — the answers to five.

This is all about UOP. Let’s start with that, right? So, Advanced Materials, we’re pretty comfortable with our growth profile. HPS, we tend to double up on what we’re going to do which is growth. UOP is a little bit of an unknown, right, because what — what we’ve seen can happen is that a lot of the catalysts loads or — or reloads get pushed out or projects get pushed up.

You know, to give you some comfort is that our bookings in the backlog are higher in entering 2021 versus what they were in 2020. So, I am cautiously optimistic it’s, you know, we’re going to see the growth piece. But we’ve also seen some pushouts of particularly, catalysts erodes and delaying projects. If that happens, obviously, we’re going to have to seek pressure from the UOP side.

And frankly, you know, the price of oil is at a reasonable number right now. It’s not, you know, in the $30s or $40s now, it’s, you know, in the $50s which is quite receptive to the — to investment. You know, what worries me is that a lot of the big oil and gas majors who are our customers set their budgets just like we do in Q4 of 2020. So — and they’ve announced some pretty big cuts.

So, you know, you — what we don’t know fully is — are those — are there going to be adjustments made based on the economic conditions, made final adjustments to those budgets. There is a point. There is definitely a pent-up demand because you can’t underfund this marketplace for too long. So, whether that happens in the second half of this year or 2022, that story is yet to be told.

But, you know, what — what we don’t know is we still have a lot of sort of bookings that we expect for the second half that we have visibility to but they need to land. And that’s why we provided the guide, and we did because we don’t know whether or not they will land or they’ll get pushed out to ’22. But I have zero doubt and I mean zero doubt because I was in this business in ’15 and ’16 that there will be a big reinvestment cycle because you can’t starve this market for so long. And that’s why it’s sort of, you know, we can debate when it will come, but there’s no — undoubtedly, that it will happen.

Greg Lewis — Senior Vice President and Chief Financial Officer

Yeah. And if I could just — because you’ve mentioned margins as well. I think that — that you have to keep in mind there is — there’s two. Number one, as Darius described, the catalysts obviously, you know, pretty high margin, and so that — that impacts our mix.

And then the other thing is we are executing on a lot of the gas processing, you know, business that we had won back in 2019 and — and — and 2020. And a lot of that’s in high-growth regions. So, you can imagine there is a — a lower-margin aspect of some of that business as well that we’re actually executing here through 2020. So, that’s been — that’s been an impact to the — the PMT margins when you take away the — the catalyst, you know, business and — and that becomes a — a bigger share of the overall PMT — or sorry — yeah, PMT mix and UOP, in particular.

John Inch — Gordon Haskett — Analyst

OK. Just to make sure I understand. If — if the reload does happen, that’s possibly very significant upside to the guide. But for now, you’re not assuming that.

So, I’m assuming PMT is probably —

Greg Lewis — Senior Vice President and Chief Financial Officer

Yeah. Because — because we —

John Inch — Gordon Haskett — Analyst

kind of on the UOP side sort of flat for the year.

Darius Adamczyk — Chairman and Chief Executive Officer

That’s That’s right.

John Inch — Gordon Haskett — Analyst

I mean, is that — is that a fair statement?

Darius Adamczyk — Chairman and Chief Executive Officer

Yeah. That’s right. Because right now, those jobs are not booked in the second half. We have, you know, visibility there in the pipeline.

But until they book, you know, it’s — it’s a little bit of uncertainty. We expect them to, but could they get pushed out to ’22? Yeah. Absolutely.

John Inch — Gordon Haskett — Analyst

Got it. Thanks for the color. Appreciate it.

Darius Adamczyk — Chairman and Chief Executive Officer

Sure.

Operator

We will take our next question from Josh Pokrzywinski. Please go ahead.

Josh Pokrzywinski — Morgan Stanley — Analyst

Hi, good morning, guys.

Darius Adamczyk — Chairman and Chief Executive Officer

Hi, Josh. Good morning.

Josh Pokrzywinski — Morgan Stanley — Analyst

So, just one at the broader Honeywell software offering, you’re correct that, and otherwise I understand it probably varies by business. Obviously, a lot of different end markets there, but can you talk a little bit about how adoption has fared and customer conversations are going? I would imagine with folks starting to pivot back to growth or investment as they expect COVID to get resolved that those should be accelerating by, you know, as you mentioned a few times, Darius, there’s an awful lot of complexity and cases are actually worse. But how is adoption going and if that trend line moving higher as people were thinking about your kind of post-COVID digital transformation?

Darius Adamczyk — Chairman and Chief Executive Officer

Yeah. Well, I’ll be honest. But you know, I wasn’t — I think we — we actually got a very reasonable year in 2020 despite some of the challenged markets we were in. But just to give you a couple of rough numbers, if you think about our overall software growth, you know, it’s mid-single-digit even in 2020 environment.

And then, for recurring growth because, you know, frankly we were sacrificing some from top-line growth because we’re really converting our entire 4G business toward software business that’s only sold as a fast offering. That actually grew in the teens last year so, you know, that was a very good year and we actually — we expect an acceleration on both of those figures for 2020. But, you know, 2020 for me was a really good proof point that this business is acyclical. And as we continue particularly to build that recurring revenue base which is growing more than 2x our sort of traditional software base, it’s going to be a great tailwind for the future of Honeywell and the future of that software business.

And with offerings, like we just talked about in Connected Buildings and our cyber offerings, I’m — I’m quite confident that it’s going to continue to grow at that kind of pace. So, the short story is we’re seeing more traction and — and we’re reading more accounts.

Josh Pokrzywinski — Morgan Stanley — Analyst

Great. Thanks.

Darius Adamczyk — Chairman and Chief Executive Officer

Thank you.

Operator

We will take our next question from Julian Mitchell with Barclays. Please go ahead.

Julian Mitchell — Barclays — Analyst

Hi. Good morning. Maybe my question will be around the free cash flow outlook. So, the operating cash flow is — is guided to drop I think around $400 million at the midpoint, even though net earnings should be up probably, you know, high-single digits.

So, just wanted to try and understand, you know, what’s happening within that around sort of working capital. Is it the fact that you have that exceptional receivables tailwind in — in ’20 that has to reverse? Just trying to gauge, you know, how conservative or — or what assumptions you’ve got on that working cap side. Because I think that the capex is up but only up maybe 10% or so.

Greg Lewis — Senior Vice President and Chief Financial Officer

Sure. Sure. So, you know, as we’ve discussed, the — the $5.1 billion to $5.5 billion just to round up the numbers, you know, that’s — that’s 15% to 16% of sales. So, pretty similar to what we just did at ’16.

It’s 95% to 98% conversion, so approaching 100%, it’s 113% to 115% conversion extension. So, just keep in mind relative to, you know, the basic metrics are pretty — pretty healthy numbers. As it relates to working cap and what’s happening there, yeah, I mean, obviously, sales came down substantially this year and — and both with some, you know, transformation and effectiveness in our process as well as harvesting receivables. We had — we had a very big — we had a very big cash flow for AR this year.

We started to see some of the inventory come down in 4Q. For the year, it was still a build. And so, when you think about next year, that’s the area that I expect us to make more progress is on — is on inventory and start seeing some inventory reductions. Again, even in the pace of — of sales growth.

And so, I — I think you’re going to see, you know, we’re world-class on payables. We’ll continue to make some steady progress as we do each year. You know, we’ll make some progress on our programs around transforming on our credits collections aspects. And so, I would expect we’ll — we’ll make some more progress on past dues and be it so, but the big effort is really going to be focused around inventory in 2021.

Darius Adamczyk — Chairman and Chief Executive Officer

Yeah. And I — I would sort of, you know, I think I would classify our cash conversion in 2020 as exceptional. I mean, you know, 105% conversion and 120% if you would, you know, exclude something very positive which is the fact that we’re one of the few companies that have substantial pension income. So, you know, we might be going from exceptional to very good.

You know, frankly, the receivables’ performance was outstanding. We’re not sure if that can be replicated, we’re certainly going to try. But, you know, we’re going to focus on some other elements. I’ll also say we’ve done a nice job on advances on unbilled too in terms of 2020, So, I thought that this performance on cash was exceptional.

And if you would — and, you know, if you’d really take a look at — especially if you adjust for pension or take a look at our cash generation as a percent of our revenue, you’ll find that we’re in a top-quartile performance and that’s certainly —

Greg Lewis — Senior Vice President and Chief Financial Officer

Yeah. We used to live down in the 11%, 12% of sales. And now, we’ve been posting 17%, 16% — 16%.

Darius Adamczyk — Chairman and Chief Executive Officer

Yeah.

Greg Lewis — Senior Vice President and Chief Financial Officer

We feel pretty good about what we’ve done here.

Darius Adamczyk — Chairman and Chief Executive Officer

Yeah. And I — hopefully by now, it’s sort of clear that this is not locked and it’s not a one-time phenomenon that this is actually a repeatable event.

Julian Mitchell — Barclays — Analyst

Great. Thank you.

Operator

We will take our next question from Jeff Sprague with Vertical Research. Please go ahead.

Jeff Sprague — Vertical Research — Analyst

Thank you. Good morning, everyone.

Darius Adamczyk — Chairman and Chief Executive Officer

Good morning, Jeff.

Jeff Sprague — Vertical Research — Analyst

Maybe a — hey, good morning. Maybe a quick one on pension. Agreed, the conversion numbers look great, especially if you adjust for that. But the fact that you’re now so overfunded, is there a way, you know, exit through an insurance company or something that actually, you know, kind of extract monetary value from the pension? Or when you speak of it as kind of a value driver, are you really kind of talking about A, it’s great that it’s overfunded and B, you know, you can use pension income to basically offset restructuring or another kind of a, you know, cost-related actions you might be taking?

Greg Lewis — Senior Vice President and Chief Financial Officer

Yeah. I mean, I — I guess, I would say a few things. I mean, we’re always looking at, you know, options around the future of the pension plan. So, you know, that’s something that we look at constantly.

As far as value creation, I — I do — I do it in two ways. Number one, it’s — it’s a risk mitigator. I mean, other companies are having to pile cash into their pension plan because they’re unfunded. We don’t.

You know, I — I can’t remember the last time we put anything substantive into our pension fund, you know, which obviously would take away from our ability to deploy capital into things that are going to drive growth. So, that’s one I say is a value driver, particularly vis-a-vis others. It’s a huge value driver in — in that case, you know, in particular. So, that’s — and — and yes, it’s 113%-funded.

I feel great about where that is. Even if we were to, you know, have a bit of a — a market downdraft, we would still be very — very, you know, in a very good position in terms of that funding level. So, to me, it’s — it’s, you know, the team has done a terrific job of managing the — the pension and the — and the returns around it for a very long time and it has absolutely been, you know, very good for us, and for our balance sheet, and our liquidity.

Darius Adamczyk — Chairman and Chief Executive Officer

Yeah. And Jeff, maybe a couple other things to add. There’s really only two ways you can sort of monetize this. The one way is, you know, obviously, if — if there’s no more people in the pension plan anymore which, you know, frankly, there’s a couple of CEOs from now that — that’s — the other way is you could sell it to, potentially, an insurance company and so on.

But, you know, there — there is a big premium on that. So, financially, that doesn’t make a lot of sense to do that right now. But I think what our investors should really remember is that when they think about pension, particularly given that the de-risking that we have and the model of fixed instruments that we have in them, this should be completely worry-free for them because even a huge adjustment in the stock market is not going to put us in peril. So, I just think that this is sort of a safe haven in terms of an area that frankly is — is a big question mark for a lot of companies out there.

For us, it’s a big positive and it’s going to stay that way for — for the foreseeable future.

Jeff Sprague — Vertical Research — Analyst

Great. Thank you.

Mark Bendza — Vice President of Investor Relations

Stephen, let’s take one last question, please.

Operator

Yes, sir. We will take our final question from Joe Ritchie with Goldman Sachs. Please go ahead.

Joe Ritchie — Goldman Sachs — Analyst

Thanks. Good morning, everybody. Thanks for putting me in. So — so, I have a — I have a little bit of a longer-term question actually on the UOP business.

How do you — how do you think about the — that business just in — in, you know, with the backdrop that you’ve got, you know, EVs are obviously going to become a much bigger portion of the market going forward. There’s going to be some biofuel conversion. Just how are you thinking about that business, you know, kind of structurally more long — you know, longer term?

Darius Adamczyk — Chairman and Chief Executive Officer

Yeah. Good question. Good morning. Twofold.

The first one is, you know, the world obviously — the — the world of energy and how energy is generated is going to change over time and the direction of that is clear. It’s going to be renewables, energy is going to become much, much more prevalent part of our future. But it’s also not going to be immediate. It’s not going to happen in 2022 or ’23 and it’s going to be a slow gradual progress.

So, a lot of things that UOP still does will become relevant, particularly with a big part of that business being around gas — natural gas which we know is the cleanest of the hydrocarbons. So, that’s phase one. So, I think that, you know, we got to continue to serve our customer base. And, you know, frankly, many of whom will be tran — transforming in terms of how they provide energy to the world.

The second part, as you know, we’ve launched a new business within UOP, because the Sustainability Technology Solutions business which is going to become a bigger and bigger and bigger part of the UOP portfolio. And it really has three primary growth levers. One is energy storage which is economically feasible and viable and we’re building and deploying our first prototype of that this year, so it’s not a dream. Two is 360-degree plastics recyclability which also we’re going to be deploying some technology this year.

And then last one, where we were really the pioneers, which is eco finding which is going to become a bigger, bigger part of our refining footprint. So, you know, we’ve got three sort of — this is under one business umbrella and that’s going to become our growth engine for the — for the future. So, you know, what I envision happening is, potentially, longer term, some of the more hydrocarbon-oriented offerings will slowly, and I emphasize the word, very slowly decline, while our Sustainability Technology Solutions business will grow very quickly. That’s — that’s sort of how I see that business evolving.

That’s where we — this, you know, this is another place we’re investing, put our dollars for work, and we’re — we’re excited about the future and the kinds of solutions that we have. And as you know, we — we don’t have better scientists anywhere in our company than in UOP when it comes to materials science. So, I’m — I’m quite confident that some of these technology breakthroughs will work and will really enable a path to the — to future energy footprint of the world.

Joe Ritchie — Goldman Sachs — Analyst

That’s helpful. Thanks, Darius.

Operator

This concludes today’s question-and-answer session. At this time, I’d like to turn the conference back to our speakers for any additional closing remarks.

Darius Adamczyk — Chairman and Chief Executive Officer

Thank you. I want to thank our shareholders for their continued support of Honeywell throughout the macro-economic challenges of 2020. I’m pleased with our execution throughout the year, proving that we can and will outperform in all economic conditions. We are well-positioned for the recovery and excited for the opportunities to come in 2021 and beyond.

Thank you, all, for listening, and please stay safe and healthy.

Operator

[Operator signoff]

Duration: 86 minutes

Call participants:

Mark Bendza — Vice President of Investor Relations

Darius Adamczyk — Chairman and Chief Executive Officer

Greg Lewis — Senior Vice President and Chief Financial Officer

Nigel Coe — Wolfe Research — Analyst

Steve Tusa — J.P. Morgan — Analyst

Scott Davis — Melius Research — Analyst

Andrew Obin — Bank of America Merrill Lynch — Analyst

John Inch — Gordon Haskett — Analyst

Josh Pokrzywinski — Morgan Stanley — Analyst

Julian Mitchell — Barclays — Analyst

Jeff Sprague — Vertical Research — Analyst

Joe Ritchie — Goldman Sachs — Analyst

More HON analysis

All earnings call transcripts


Jung Min-seo

Jung Min-seo

Contact: [email protected]

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