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R. Christopher Whalen

Dec 46 min read

The Trump Trade & Sovereign Ratings

What happens to the Trump Trade and the broader equity markets if the FOMC passes on a December rate cut?

574 views

Is Trump Bullish for Interest Rates? Pump & Dump for GSE and Fintech Stocks

R. Christopher Whalen

Oct 306 min read

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.

800 views

Recession? Consumer Lenders: AX, AXP, ALLY, Barclays, COF, SOFI, SYF

R. Christopher Whalen

Sep 212 min read

Recession? Consumer Lenders: AX, AXP, ALLY, Barclays, COF, SOFI, SYF

Axos continues to rebound after the bear raid by Hindenburg Research. AX ranked 18th in the WGA Bank Top Index in Q3 2024 vs 98th for SOFI

720 views

Earnings Setup: Consumer Lenders | ALLY AXP AX BCS COF SOFI SYF

R. Christopher Whalen

Jul 115 min read

Earnings Setup: Consumer Lenders | ALLY AXP AX BCS COF SOFI SYF

The first comment to make is that consumer defaults are rising across the board. The only question we need to consider is the rate of change

537 views

R. Christopher Whalen

May 15 min read

Then Old Media Became Redunzl

When will Disney decide to sell some or all of its streaming operations to keep the lights on at its theme parks?

538 views

R. Christopher Whalen

Jan 306 min read

Good, Bad & Ugly: AXP, SOFI & BAC

AXP is a premium stock that is best acquired when people think, incorrectly, that the world is ending.

855 views

Rates Rally Financials, But Credit Fears Remain

R. Christopher Whalen

Dec 15, 20237 min read

Rates Rally Financials, But Credit Fears Remain

The key term for risk managers and investors in 2024 remains unchanged from this year: Volatility.

483 views

R. Christopher Whalen

Oct 26, 20239 min read

Interest Rates, Fintech & MSRs

Regulatory skepticism about mortgage assets could effect financing rates for lenders, which means higher mortgage rates for consumers.

528 views

Markets Affirm the Unbearable Lightness of Fintech

R. Christopher Whalen

Sep 7, 20235 min read

Markets Affirm the Unbearable Lightness of Fintech

When you are in a big crowd, nothing else matters.

627 views

Fitch Downgrades US to AA+; Fintech Stocks Soar on Powell Inflation

R. Christopher Whalen

Aug 2, 20235 min read

Fitch Downgrades US to AA+; Fintech Stocks Soar on Powell Inflation

S&P was the first to call out the growing lack of fiscal discipline in Washington, downgrading Uncle Sam in 2011

704 views

R. Christopher Whalen

Jun 14, 20235 min read

Update: Banks & Fintechs

With inflation fears moderating, look for Buy Side managers to buy bank stocks – even if earnings remain constrained...

784 views

R. Christopher Whalen

Nov 25, 20229 min read

Crypto Crash Signal End of Fintech?

Despite all the hyperbole, the great crypto fraud was a small game, like the party poker that many crypto enthusiasts share in common

358 views

R. Christopher Whalen

Oct 2, 202210 min read

Large Banks: QT Winners & Losers

A number of readers have asked us to talk about the winners and losers among large banks in the current interest rate environment.

808 views

R. Christopher Whalen

Aug 7, 20227 min read

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...

358 views

Upstart Holdings: Victory for AI? Or Not...

R. Christopher Whalen

Jun 17, 20219 min read

Upstart Holdings: Victory for AI? Or Not...

While the progress in machine learning is impressive, horsepower in terms of computational capacity does not translate into intelligence.

554 views