The Motley Fool

NOVEMBER 1, 2023

MicroStrategy is well positioned to gain competitive leverage in winning both of these areas of growth. Much like we have done with cloud hyperscalers, we plan to openly partner with and leverage the technology investments in these companies. Rather than invest heavily to build our own models.

Education 130

Education Assets Leveraging Debt 130

The Motley Fool

AUGUST 2, 2024

million shares plus any additional shares issued as we continue to fund new investments accretively with equity while maintaining leverage under five times. We could do all acquisitions accretively using equity right now, and we want to continue to maintain our leverage less than five times. I mean it's a fully collateralized loan.

Investors 130

Investors Debt Assets Capital 130

The Motley Fool

JULY 26, 2023

Nonetheless, we're working to drive further reductions in unit costs, which will help us generate greater operating leverage as we deploy capital into portfolio growth and while at the same time, deepening our competitive mode until no one can compete with us. billion, resulting in liquidity of 2.3

Mergers and Acquisitions 130

Mergers and Acquisitions Leveraging Financing Finance 130

The Motley Fool

OCTOBER 25, 2023

And instead we focus on those things we can control, namely process improvement, cost leadership, and operating leverage. In fact, we've been able to add nearly 140,000 customers year to date without increasing headcount, which I hope you all agree is a very impressive example of positive operating leverage.

Mergers and Acquisitions 100

Mergers and Acquisitions Taxes Capital Banks 100

The Motley Fool

JULY 26, 2023

On the earnings front, BJ did a nice job talking about the solid results this quarter, and we really believe we're setting a new baseline for performance in the future with confidence in our margin, secondary, and a focus on expense control that will generate operating leverage, so profitability. It is collateralized.

Banks 189

Banks Accounting Prospects Collateral 189

The Motley Fool

NOVEMBER 9, 2023

And I don't know if you've seen our new facility up in Vista or Rochester, but we're poised as we start scaling all these new platforms up for substantial volume leverage. As we get volume leverage, you get supply chain leverage, you drive greater automation. Paul Middleton -- Chief Financial Officer Sure.

Securities and Exchange Commission (SEC) 190

Securities and Exchange Commission (SEC) Capital Leveraging Financing 190

The Motley Fool

FEBRUARY 8, 2024

And we achieved these results with lower economic leverage, which declined to 5.7 As it relates to our hedges, our balance liability position help protect us from the elevated rate volatility experienced during the first half of the quarter. We were well-positioned to take advantage of this environment, delivering a 10.1%

Capital 130

Capital Leveraging Banks Assets 130

The Motley Fool

JANUARY 25, 2024

Lastly, a comment or two on operating leverage before we move on to the most surprising development at the SBA since we started this bank. And on loans under $500,000, all collateral requirements have been waived, unusual, shocking. Moving to Slide 5. My takeaway on this slide would be steady as she goes.

Banks 130

Banks Taxes Funds Assets 130

The Motley Fool

FEBRUARY 22, 2024

By leveraging AI, we will transform an industry that is ripe for innovation, establishing Rocket as the premier choice for clients and partners, including local real estate agents, mortgage brokers and financial institutions. Today, we're in an even better position to drive operating leverage through automation and AI.

Companies 130

Companies Leveraging Assets Banks 130

The Motley Fool

AUGUST 1, 2024

Our revolving credit facility remains a key source of liquidity for the company and we have further expanded that liquidity through the completion of a letter of credit facility for the California gas plants to support various collateral requirements up to $200 million. The Motley Fool has no position in any of the stocks mentioned.

Taxes 130

Taxes Debt Capital Shareholders 130

The Motley Fool

APRIL 1, 2024

This resulted in a net leverage ratio of approximately 2.8 You talked about leverage being 2.8 So, how high do you see that leverage number creeping up this year? I think, as you know, right, we typically try to target around three times net leverage as a target over the -- over the medium term. Debt, net of our $1.2

Capital 130

Capital Leveraging Portfolios Shareholders 130

The Motley Fool

APRIL 29, 2024

These capital market levers allow us to deploy intelligent leverage to increase our Bitcoin holdings in a manner which we believe has created shareholder value. Leverage provides the opportunity to generate higher returns if the price increases. billion using net proceeds from our two convertible node issuances in March.

Leveraging 246

Leveraging Debt Assets Capital 246

Pension Pulse

MAY 14, 2024

Pension plans and insurers have been piling into funds that invest in equity tranches of collateralized loan obligations in recent months, according to several asset managers who spoke on the condition of anonymity. Yet it has an appeal because of its greater claim to profits depending on the strength of the underlying collateral.

Pension Funds 59

Pension Funds Funds Collateral Hedge Funds 59

The Motley Fool

AUGUST 8, 2023

I'm pleased we delivered quarter-on-quarter growth in Q2 for the first time in more than a year, and more importantly, we achieved record high contribution margin and positive cash flow, a result of our efforts over the past year to improve efficiency and operating leverage in our business. Next, more resilient. That's the ideal.

Capital 100

Capital Collateral Funds Assets 100

The Motley Fool

OCTOBER 18, 2024

Second, we have a liability-sensitive balance sheet heading into a falling rate environment. The combination of a strong national brand and a comprehensive value proposition allows us to leverage our deposit franchise to drive NIM expansion from here. On liabilities, cost of funds increased 3 basis points quarter over quarter.

Taxes 130

Taxes Financing Finance Collateral 130

The Motley Fool

APRIL 24, 2024

Thanks to fast portfolio growth and impressive operating leverage, servicing income reached $273 million. Today with Pyro, we get a crystal clear understanding of advances within hours of reviewing the deal tape, which allows us to price the deal quickly and accurately while the seller doesn't need to worry about a tail of liabilities.

Leveraging 246

Leveraging Amortization Bidding Collateral 246

Pension Pulse

AUGUST 16, 2023

billion in liquid assets to pay pension benefits, fund investment opportunities, satisfy potential collateral demands related to our use of derivatives, and to fund expenses. billion while remaining within our 10% leverage limit. Liquidity We continue to maintain ample liquidity, with $23.6

Assets 52

Assets Portfolios Collateral Returns 52

The Motley Fool

MAY 13, 2024

billion reais year on year and 87 million reais for the quarter, lower when compared to previous quarters as we continue to deploy capital toward the expansion of our credit portfolio and also as a result of seasonally higher cash consumption in labor and social liabilities in the quarter. Our adjusted net cash position was 5.1

Banks 130

Banks Collateral Financial Services Securities and Exchange Commission (SEC) 130

The Motley Fool

AUGUST 9, 2023

These supply agreements for Euro 6 and Euro 7 LPG systems add materially to our revenue and market share and leverages our existing engineering and production capabilities. In terms of freeing up collateral, that we could potentially pledge once that gets into the JV, as well as other collateral.

Capital 100

Capital Financing Finance Collateral 100

The Motley Fool

APRIL 12, 2024

Over the last several years, we've maintained a strong risk appetite framework and have been very deliberate about how we deploy our deposits and other liabilities into high-quality assets. We generated positive operating leverage this quarter as expenses decreased 4% driven by actions taken to rightsize the expense base.

Banks 130

Banks Assets Mergers and Acquisitions Capital 130

The Motley Fool

AUGUST 1, 2024

I think we would still say their balance sheet is too leveraged, but the immediacy of hitting a debt maturity was the concern that was voiced most often to us about our relationship with them. We feel good about our collateral and feel good about the situation kind of no matter what happens. John Kilichowski -- Analyst Got it.

Debt 130

Debt Education Mergers and Acquisitions Assets 130

The Motley Fool

JULY 25, 2024

In fact, you couldn't ask for a better demonstration of operating leverage. We reported pre-tax income of $288 million, up 58% year over year, reflecting the benefits of growth in operating leverage, while CPR speeds came in slightly below expectations. These results reflect strong growth, with the portfolio ending the quarter at $1.2

Leveraging 130

Leveraging Capital Assets Portfolios 130

Pension Pulse

APRIL 25, 2024

Paula Sambo of Bloomberg reports Canada pension fund's credit head wants to take advantage of leveraged buyout boom: Canada’s largest pension fund plans to nearly double the size of its credit holdings over the next five years, and it’s counting on an upturn in leveraged buyouts to generate some of that growth. Is this possible?

Leveraged Buyouts 59

Leveraged Buyouts Buyout Pension Funds Mergers and Acquisitions 59

The Motley Fool

FEBRUARY 7, 2024

Prismic will enhance our mutually reinforcing business system and drive future growth by leveraging our differentiated brands, global asset and liability origination capabilities, and multichannel distribution. In addition, we entered into a reinsurance agreement with Somerset Re for a $12.5 Turning to Slide 5.

Capital 130

Capital Mergers and Acquisitions Assets Liabilities 130

The Motley Fool

AUGUST 1, 2024

And by leveraging generative AI, we can deliver great client experiences at scale by handling more interactions and keeping more clients engaged with better automation. Recent data shows that clients using chat have conversion rates three times higher compared to those who didn't leverage chat.

Companies 130

Companies Leveraging Assets Capital 130

The Motley Fool

FEBRUARY 13, 2024

In the coming months, we expect to release an optional feature that allows borrowers to provide collateral to support their personal loan application. That's collateral that does not tend to show up in the securitization data, whereas if you're looking at the institutional world, it tends to be sort of higher loss rate and higher returns.

Collateral 100

Collateral Liabilities Capital Banks 100

The Motley Fool

AUGUST 24, 2023

SG&A expenses expanded primarily from wage investments, incentive compensation, general liability claims, and repairs and maintenance costs from improving store conditions. These were partially offset by leverage from increased comp sales and lower stock-compensation expense. These were partially offset by sales comp leverage.

Leveraging 130

Leveraging Liabilities Taxes Capital 130

The Motley Fool

JULY 19, 2024

And is there maybe a pull-forward of some expenses from next year in order to position you for improved positive operating leverage? So, it's important when you consider all this, our revenue and expense, that we are firmly committed to generating positive operating leverage over the back half of 2024. Five of those are office related.

Leveraging 130

Leveraging Capital Assets Banks 130

The Motley Fool

AUGUST 2, 2024

Our AA rating reflects our healthy capital position including more than $4 billion in highly liquid assets at the end of the second quarter, a high-quality well-diversified investment portfolio, and a disciplined approach to asset liability management. Retirement strategies generated strong sales of $7.5

Capital 130

Capital Assets Liabilities Shareholders 130

The Motley Fool

JULY 26, 2024

We did move one loan into NPL status and have the collateral of that loan and the collateral of the NPL from last quarter, both being marketed for sale. The net interest margin was 2.64% compared to 2.68% in the prior quarter as interest-bearing liability costs increased faster than interest-earning asset yields. million or $1.4

Mergers and Acquisitions 130

Mergers and Acquisitions Securities and Exchange Commission (SEC) Banks Assets 130

The Big Picture

AUGUST 8, 2022

And so, therefore, the usual market forces that push against high leverage in other companies that just naturally with no regulation would limit. Any kind, collateral, non-collateral. They don’t have collateral. RITHOLTZ: Just for that one small leverage. RITHOLTZ: To the depositors. ADMATI: To the depositors.

Banks 80

Banks Debt Financing Finance 80

The Motley Fool

AUGUST 2, 2023

We are confident that our strategy and mutually reinforcing business mix, which leverages the combined strength of our brand, global asset and liability origination capabilities, and multi-channel distribution will enable us to drive future growth and continue to expand access to investing, insurance, and retirement security.

Assets 100

Assets Capital Liabilities Asset Management 100

The Big Picture

OCTOBER 21, 2024

Brian Higgins has put together a amazing track record handling distressed and stressed debts, as well as other forms of credit real estate collateralized obligations. But if you go back to the, the question on, you know, high yield and, and how it’s differentiated, there was just a lot more leverage back then.

Hedge Funds 52

Hedge Funds Banks Leveraging Financing 52

The Motley Fool

JULY 25, 2024

Or are we at the point where we can just scale up and leverage the existing infrastructure that you've already built? And so now we're in a position to be able to provide much more operating leverage on that expense base than we had been previously. Could you just touch on kind of what you guys are seeing?

Banks 130

Banks Portfolios Assets Leveraging 130

The Motley Fool

AUGUST 1, 2023

And lastly, the final priority on the list, but arguably the most important is starting the path to reduce leverage and derisk the balance sheet. Given the necessary actions we took to navigate the past few challenging years, our leverage ratios are currently not at optimal levels. We've covered a lot today.

Debt 100

Debt Leveraging Collateral Resale 100

Pension Pulse

AUGUST 15, 2024

billion in liquid assets to pay pension benefits, fund investment opportunities, satisfy potential collateral demands related to our use of derivatives, and to fund expenses. billion while remaining within our 10% leverage limit. Given our known liabilities, this is a strategy that works for us, I can't comment on others want to do.

Pension Funds 59

Pension Funds Assets Liabilities Portfolios 59

The Motley Fool

JULY 25, 2024

This playbook leverages our know-how and capabilities to support our customers globally and doing so in the right way. With investment-grade ratings from two agencies, the company will now benefit from lower interest rates and fees and the elimination of all collateral requirements for both our $1.25 Every day is a challenge.

Securities and Exchange Commission (SEC) 130

Securities and Exchange Commission (SEC) Debt Leveraging Companies 130