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Banking  // Browsing posts in Banking

Subprime Loans Set to Grow in Personal and Mortgage But to Fall in Auto

Research Question: Can the subprime lending industry sustain its late-year bounce and extend gains through 2019? Companies: BAC, BX, CACC, COF, CPSS, DFS, ELVT, ENVA, FCFS, LON:EXPN, OMF, SC, USB, WFC By: David Franklin Click here to download report (.pdf)   Summary of Findings Gains in the subprime lending industry through 2019 will be challenged […]

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Profitability for PayPal’s Venmo Will Take Years But the Path Is There (PYPL)

Research Question: Will PayPal’s efforts to monetize its Venmo app reach a tipping point in 2019? Companies: AAPL, AMZN, AXP, BAC, DFS, EPA:ING, FDC, GOOG/GOOGL, GRUB, JPM, KRX:005930, MA, PYPL, SQ, TCEHY, V, WFC, WMT By: Seth Agulnick Click here to download report (.pdf)   Summary of Findings Turning Venmo profitable will be a slow […]

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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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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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Oct 05 2017 Banking, Financial, Technology

Q2 Holdings’ Upmarket Initiative Gains Traction Amid Growing Digital Demand (QTWO)

Research Question: Will Q2 Holdings’ new products and recent product enhancements be the catalyst that ensures its upmarket success? Companies: ACIW, BOM:538835, EPAY, FDC, FIS, FISV, JKHY, NCR, QTWO, TBBK By: David Franklin Click here to download report (.pdf)   Summary of Findings Q2 Holdings Inc. (QTWO) is experiencing growth in its core Tier 2–3 […]

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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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Ellie Mae Looks Ready to Face Down Challenges (ELLI)

Research Question: Is Ellie Mae vulnerable if a strong competitor emerges for small and midsize lenders? Companies: ACN, ASPS, BAC, BKFS, CNDT, ELLI, FISV, FMCC, FNMA, JPM, NSE:WIPRO, TSX:DH By: Seth Agulnick Click here to download report (.pdf)   Summary of Findings Ellie Mae Inc. (ELLI) is on solid footing as customers are generally happy […]

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Bank of the Ozarks Is Aggressive But Not Reckless in Key Markets (OZRK, HOMB)

Research Question: Are Bank of the Ozarks and Home Bancshares taking on outsized risk in order to gain share in the New York City and South Florida multifamily and condo construction markets? Companies: ARI, BAC, BK, BXMT, COF, CSE, EPA:KN, HOMB, ISBC, JPM, LADR, MTB, OZRK, PACW, STWD, TD, VNO, WFC By: Seth Agulnick Click […]

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Rising Delinquencies the New Normal for Subprime Auto Lending

Research Question: Are rising delinquencies of subprime auto loans signs of a bubble set to burst, or are they the new normal? Companies: ALLY, CACC, COF, F, GM, JPM, SC, WFC By: David Franklin Click here to download report (.pdf)   Summary of Findings Rising delinquencies are the new normal for the subprime auto loan industry. […]

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Subprime Auto Loan Market Conditions Are Deteriorating

Research Question: Is the subprime auto loan industry in a bubble that will burst in the next 12 to 18 months? Companies: ALLY, COF, JPM, SC, WFC By: David Franklin Click here to download the report (.pdf)   Summary of Findings Subprime auto loan market conditions have deteriorated since Blueshift Research’s 4 report, in which only three […]

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