The Motley Fool

OCTOBER 24, 2024

Economic leverage ticked down slightly to 5.7 And within these coupons, only a small fraction of our pools are backed by generic collateral and approximately 70% have what we would characterize as high-quality prepayment protection and the benefits of our collateral selection were best seen in the latest prepayment report.

Capital 130

Capital Leveraging Collateral Assets 130

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 Collateral Funds Hedge Funds 59

The Motley Fool

AUGUST 29, 2023

Leveraging this holistic view of the customer, nCino facilitates gathering deposits, originating any loan product, onboarding customers, and portfolio management, all from one platform. Just trying to get a sense of potential leverage there on that cross-selling opportunity. million that remains subject to court approval.

Banks 246

Banks Financial Institutions Accounting Mergers and Acquisitions 246

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

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 Finance Financing Collateral 130

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

OCTOBER 30, 2024

We leverage our development capabilities to explore innovation and bitcoin applications, integrating analytics expertise with our commitment to digital asset growth. 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.

Leveraging 130

Leveraging Shareholders Debt Capital 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

Assets 130

Assets Liabilities Capital Collateral 130

The Motley Fool

APRIL 24, 2024

Our ability to leverage these insights and deliver optimized financing solutions and experiences for our customers and partners even as needs evolve and market conditions shift is what enables Synchrony to consistently deliver the outcomes that matter most for our many stakeholders and increasingly positions us as the partner of choice.

Liabilities 130

Liabilities Capital Banks Finance 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

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

OCTOBER 23, 2024

million customers and generated $305 million in pre-tax servicing income, thanks to continued strong operating leverage. And meanwhile, we continue to deliver very strong operating leverage. This platform is one example of how we leverage those 16 petabytes of data. We grew the servicing portfolio to $1.2

Taxes 130

Taxes Leveraging Capital Amortization 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 Assets Capital Banks 130

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

JULY 25, 2024

Earnings available for distribution exceeded our dividend by $0.03, demonstrating our ability to consistently earn strong returns with prudent leverage, which stood at 5.8 And consistent with prior quarters, we favored high-quality prepayment-protected collateral with durable cash flows. return for the first half of the year.

Capital 130

Capital Assets Leveraging Portfolios 130

The Motley Fool

DECEMBER 10, 2024

We are committed to more aggressively leveraging consumer insights to lean into our greatest areas of differentiation. This will be accompanied by creative collateral to support a gift guide, key trends, prioritized brands, and other relevant holiday messaging. And as such, we are planning accordingly for 2025.

Collateral 130

Collateral Debt Finance Financing 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 Amortization 130

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.

Mergers and Acquisitions 130

Mergers and Acquisitions Capital Assets Liabilities 130

The Motley Fool

AUGUST 1, 2023

In our keynote address, we highlighted how some of the biggest brands in the world, including organizations like Hilton Hotels, Amica Insurance, and Sony Interactive Entertainment leverage the power and unified capabilities of MicroStrategy to transform how they operate and succeed amid fierce competition.

Leveraging 100

Leveraging Assets Debt Finance 100

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

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) Leveraging Capital Finance 190

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 Banks Capital 100

The Motley Fool

JULY 27, 2023

Our ability to manage through this volatility is attributable to our diversified capital allocation, prudent hedge portfolio, and responsible leverage position. And even with the reduction in leverage from 6.4 And then MSR, unlevered, around 10%, 11%, with the turn of leverage gets you to 15%. times to 5.8 So still healthy.

Capital 100

Capital Leveraging Banks Assets 100

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 Motley Fool

AUGUST 7, 2024

We believe our capex light and high operating leverage business model will lead to significant expansion of our gross margin profile, allowing strong profitable results in the years to come. We talked about the leverage of our model from a profitability perspective. I think, what this shows is a second level of financial modeling.

Securities and Exchange Commission (SEC) 130

Securities and Exchange Commission (SEC) Leveraging Funds Collateral 130

The Motley Fool

OCTOBER 30, 2024

After retained CAFD we will look to excess debt capacity in line with our targets BB rating as a second source of funds and as Sarah noted, our forward-looking leverage metrics position us well with additional excess debt capacity. The last piece of our funding framework will be external equity issuance. We don't need to.

Assets 130

Assets Capital Leveraging Debt 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 Finance Financing Leveraging 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

AUGUST 8, 2023

Given the conditions in the bank lending market since the SVB and other disruptions earlier this year, the return on these first-lien collateralized facilities has been very attractive. And as noted, our investment is collateralized by borrowing base of government and commercial receivables. The Motley Fool has a disclosure policy.

Securities and Exchange Commission (SEC) 130

Securities and Exchange Commission (SEC) Prospects Banks Collateral 130

The Motley Fool

JULY 20, 2023

We don't operate with a cross-collateralized balance sheet like depository institutions. We have virtually no net leverage at the parent company compared to U.S. banks with an average of 12 times leverage. And we have no insurance liabilities. They're approaching it. They're at 2.7%. I think the long-term average is 3%.

Banks 130

Banks Capital Assets Mergers and Acquisitions 130

The Motley Fool

AUGUST 9, 2023

market and leveraging our growing SmileShop footprint to drive upsells for our CarePlus offering. Leveraging all the benefits of SMP together drives improved financial performance on top of our core business. SMP is showing signs of driving stronger marketing efficiencies through tangible benefits by reducing our cost per lead.

Leveraging 130

Leveraging Finance Financing Debt 130

The Motley Fool

MAY 3, 2024

We are actively gathering year-end financial information for our entire portfolio, and with most of the data already collected, the weighted average debt service coverage ratio remains over two times, with most of the collaterals in our portfolio generating more than twice their annual debt service payments. Those are two examples.

Debt 130

Debt Banks Assets Capital 130

The Motley Fool

FEBRUARY 9, 2024

A key theme for 2023 was operating leverage. In 2024, you should expect further positive operating leverage and servicing and across the company. Also, we have an information advantage consisting with decade's worth of data on collateral performance on the part of literally thousands of sellers.

Mergers and Acquisitions 130

Mergers and Acquisitions Leveraging Portfolios Assets 130

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 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 Collateral 130

The Motley Fool

MAY 8, 2024

And just trying to gauge whether there's room for even further operating leverage or upside given the marketing spend was actually relatively elevated in the quarter as well. First of all, we're going to be able to leverage our scale. And so, we really love the low CAC opportunity to -- that leverages our platform.

Assets 130

Assets Shareholders Leveraging Capital 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 81

Banks Debt Finance Financing 81