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The Institutional Risk Analyst
© 2003-2025 | Whalen Global Advisors LLC All Rights Reserved in All Media | ISSN 2692-1812
Banks | Markets | Finance
R. Christopher Whalen
Jun 6, 20226 min read
Memo to Gary Gensler: Beware the “Non-Controlling Interest”
As a result of the adoption of "artificial intelligence," the 21st Century investor is mostly a victim in waiting.
1,290 views
R. Christopher Whalen
Jun 2, 20227 min read
Update: Upstart Holdings & Cross River Bank
If investors and partner banks don’t want to buy UPST loans at current market rates, then the game is over in an originate to sell model
778 views
R. Christopher Whalen
May 18, 20226 min read
Update: Crypto Frauds and Fintech Dreams
Q: What do Elon Musk and Masayoshi Son have in common? Gigantic margin loans...
524 views
R. Christopher Whalen
May 11, 20228 min read
Does ICE + Black Knight = Shareholder Value?
ICE buying the revenue streams represented by BKI is a big bet on yesterday, not a bold initiative to change the mortgage industry
465 views
R. Christopher Whalen
May 2, 20225 min read
Where is Value in Fintech?
Take the financials and add some unicorn dust in terms of innovation to the mix and perhaps a double-digit PE ratio for PYPL makes sense.
534 views
R. Christopher Whalen
Apr 4, 20222 min read
The Residential Mortgage Finance Top Twenty Seven
Who is going to acquire and restructure Blend Labs (BLND) before this newbie-fintech-something runs out of cash?
314 views
R. Christopher Whalen
Feb 25, 20227 min read
Update: HMPT, RKT, NRZ & UPST
UPST has seen its valuation cut by 60% since March of last year, when its common equity traded at a mere 31x book value.
313 views
R. Christopher Whalen
Feb 16, 20226 min read
Profile: Silvergate Capital Corp (SI)
SI’s management team is taking advantage of the narrative in Washington, which is that stable coins will be a bank only product
559 views
R. Christopher Whalen
Feb 14, 20226 min read
The Curse of Humphrey Hawkins
If you consider QE “stimulus” inflationary, then Fed policy actually accelerated inflation in the November-January period.
1,023 views
R. Christopher Whalen
Jan 19, 20226 min read
Profile: Cross River Bank
Bottom line, when a bank seems to be doing much better than other banks, there is usually a reason and that reason is almost always bad
345 views
R. Christopher Whalen
Sep 9, 20216 min read
The IRA Top Ten Financials
Which US financial will best weather the coming equity market correction?
390 views
R. Christopher Whalen
Jul 15, 20215 min read
Profile: Wise Ltd (LSE:WISE)
WISE is a play on the relentless advance of technology that lowers costs and eventually forces change in the legacy world of banking and pay
378 views
R. Christopher Whalen
Jun 30, 20217 min read
Profile: Blend Labs, Inc ("BLND")
Is BLND worth more than RKT, or entrenched data monopolies and solution providers such as BKI or even CLGX?
879 views
Christopher Whalen
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