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Financial Services  // Browsing posts in Financial Services

Undisciplined Nonbank Subprime Auto Lenders Still at Risk

Research Question: What is the level of risk for financial institutions from the failure of subprime auto lenders and the rapid growth of subprime mortgages? Companies: ALLY, BAC, BMO, BX, CACC, COF, CPSS, EXPN, FCAU, GM, JPM, SC, WFC By: David Franklin Click here to download report (.pdf)   Summary of Findings Some nonbank subprime […]

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PayPal Idea Proposal (PYPL)

PayPal Idea Proposal (PYPL)

Will PayPal’s acquisition of iZettle give it critical momentum to boost in-store use? Report Available: June 28, 2018   Blueshift’s initial research found PYPL making a major acquisition that could increase its presence in physical stores. The company continues to make gains with is peer-to-peer payment app but faces stiff competition from a bank-backed platform. […]

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Subprime Lending Idea Proposal

Subprime Lending Idea Proposal

What is the level of risk for financial institutions from the failure of subprime auto lenders and the rapid growth of subprime mortgages? Report Available: May 31, 2018   Blueshift’s initial research found that three small specialized subprime auto lenders recently went bankrupt or closed. Several others are at high risk of failure due to the […]

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Aaron’s Progressive Leasing Idea Proposal (AAN)

Aaron’s Progressive Leasing Idea Proposal (AAN)

Will Aaron’s Progressive Leasing unit continue to grow at its current pace? Report Available: February 8, 2018   Blueshift’s initial research found that Progressive Leasing, AAN’s lease-to-own option for retailers, is growing significantly, outperforming AAN’s store business. Progressive is adding new accounts from national retailers like SIG and seeing retailers like CONN switch to Progressive from […]

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2018 Subprime Lending Returns Will Be Solid for Some But Challenging for Others

Research Question: Will household debt and credit card and auto loan delinquencies further suppress positive returns for the subprime lending industry? Companies: ALLY, BAC, CACC, COF, CPSS, FCAU, FMCC, GM, JPM, KMX, SC, TRU, USB, WFC By: David Franklin Click here to download report (.pdf)   Summary of Findings Subprime lenders with disciplined yet dynamic underwriting […]

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Subprime Lending Idea Proposal

Subprime Lending Idea Proposal

Will household debt and credit card and auto loan delinquencies further suppress positive returns for the subprime lending industry?   Report Available: January 5, 2018   Blueshift’s initial research shows that Q3 household debt jumped to more than $9 trillion. Non-bank subprime auto loan delinquencies are rising at twice the rate of traditional bank loans. Credit […]

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Take It to the Bank: PayPal Continues to Shine (PYPL)

Research Question: Now that PayPal has crossed the $100 billion mark in quarterly payment volume, can it continue to outpace expectations? Or are there threats on the horizon? Companies: AAPL, AMZN, AXP, BABA, BAC, C, COF, DFS, FDC, GOOG/GOOGL, GPN, HKG:0700, JPM, KRX:005930/005935, MA, PAY, PYPL, SQ, TSE:SHOP, TSS, V, VNTV, WFC By: Seth Agulnick […]

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PayPal Idea Proposal (PYPL)

PayPal Idea Proposal (PYPL)

Now that PayPal has crossed the $100 billion mark in quarterly payment volume, can it continue to outpace expectations or are there threats on the horizon that will slow its growth?   Report Available: September 7, 2017   Blueshift’s initial research found PYPL continuing its impressive rate of growth in revenue, platform volume, and new […]

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Subprime Lenders Self-Correct, Reduce Risk; 2017 Returns Pressured But Stable

Research Question: Has tighter underwriting isolated the subprime lending problems to 2015 vintages? Are 2017 risk-adjusted returns attractive? Companies: ALLY, BOFI, CACC, COF, CPSS, FNMA, GM, IMH, JPM, NICK, SC, WFC By: David Franklin Click here to download report (.pdf)   Summary of Findings Subprime problems extend beyond just the 2015 “vintage” loans. Late 2014 […]

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Subprime Lending Idea Proposal

Subprime Lending Idea Proposal

Has tighter underwriting isolated the subprime lending problems to 2015 vintages? Are 2017 risk-adjusted returns looking attractive? Report Available:July 20, 2017   Blueshift’s initial research shows the subprime lending industry and auto dealers signaling the end of the subprime lending bubble. Recent loan default metrics have declined for mortgages and auto loans. In addition, the […]

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