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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

SoFi Technology Gets No Respect
Like many names in the fintech space, growing profits and earnings are usually an indication that a stock is exiting max upside period
R. Christopher Whalen
Jan 274 min read
227 views

Is Trump Bullish for Interest Rates? Pump & Dump for GSE and Fintech Stocks
You can tell lies and damn lies about the idea of releasing Fannie and Freddie, but the SEC and FINRA cannot and will not say a word.Â
R. Christopher Whalen
Oct 30, 20246 min read
810 views

Stocks Swoon, Retail Credit Rises: PYPL, SQ & ARES
The rotation away from institutional investors to retail funding source for the $1.7 trillion direct lending market is an ominous sign
R. Christopher Whalen
Aug 2, 20248 min read
604 views

Fear & Loathing in Credit; Update: PayPal Holdings
We think that the whole banking industry could be driven into multiple periods of loss as they divert income to loss provisions.Â
R. Christopher Whalen
Feb 8, 20247 min read
925 views


End of Fintech? Biden GSE Release?
Is AFRM maturing from a hot new fintech entrant to a familiar face headed for a bank license?? Yikes.
R. Christopher Whalen
Dec 31, 20237 min read
1,538 views

Update: Flying Fintechs & Zombie Banks
COIN has been helped by a groundswell of positive comment about crypto in 2023...
R. Christopher Whalen
Nov 29, 20236 min read
660 views

Update: Guild Mortgage & Block Inc.
Since Block has not yet changed its ticker symbol, perhaps Mr. Dorsey will eventually change the company's name back to Square...
R. Christopher Whalen
Aug 7, 20227 min read
359 views


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.
R. Christopher Whalen
May 2, 20225 min read
535 views

Update: Block Inc. & Upstart Holdings
Is SQ really, REALLY worth 25x book value? Our respectful answer to that question is no.
R. Christopher Whalen
Dec 22, 20219 min read
333 views

Update: Square as a Bank
The evolution of fintech companies into regulated banks has implications for public market valuations...
R. Christopher Whalen
Jan 10, 20218 min read
430 views
Christopher Whalen
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