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[闲谈] 亚(拟似)熊市选股的一点考虑

不盈利亏损或高PE股都应在龙中排除,或做空,过如去说过的P2P/pawnshop LC比不过EZPW, 现在差距开始显现。
过去高业绩板块,实际也是大泡沫,更应该小心了, 如上半年曾提到过小心BIO板块。
ZACKS comments- ON LC-------------------------------
These positive earnings estimate revisions suggest that analysts are becoming more optimistic on LC’s earnings for the coming quarter and year. In fact, consensus estimates have moved sharply higher for both of these time frames over the past 60 days, suggesting that LendingClub could be a solid choice for investors.



Current Quarter Estimates for LC



In the past 30 days, 1 estimate has gone higher for LendingClub while none moved lower in the same time period. The trend has been pretty favorable too, with estimates narrowing from a loss of 2 cents a share 60 days ago, to a loss of 1 cent today.



Current Year Estimates for LC



Meanwhile, LendingClub’s current year figures are also looking quite promising, with 1 estimate moving higher in the past two months, compared to no lower revisions. The consensus estimate trend has also seen a boost for this time frame, narrowing from loss of 8 cents 60 days ago to loss of 5 cents per share today.



Bottom Line



The stock has also started to move higher lately, adding 7.5% over the past four weeks, suggesting that investors are starting to take note of this impressive story. So investors may definitely want to consider this Zacks Rank #2 (Buy) stock to profit in the near future.
LC 目前还被花街看好,所以应留有余地(空也有风险)
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The 7 Best Peer-To-Peer Lending Websites

By Prableen Bajpai, CFA (ICFAI) | September 23, 2015  AAA |   
















Rigid and time-consuming procedures of traditional banks have unknowingly paved the way for an industry that has grown tremendously in less than a decade. The peer-to-peer lending industry has become a viable alternative to standard bank loans and is emerging as a competitor to the traditional banking system.

The peer-to-peer lending marketplace, popularly known by the acronym P2P lending marketplace, works through a simple online platform, which connects borrowers and lenders, thereby cutting out the traditional banking protocols. The P2P platforms do not lend their own funds but act as facilitators to both the loan-seeker and the loan-giver.

The P2P lending system has added much ease to the practice of borrowing and loaning money. Now, with just a click of the mouse you can easily avail loans online without the tedium of going to banks in person or waiting for approvals, and all that too within a matter of a few hours. Low interest rates, simplified applications and accelerated decisions have made this peer-to-peer model a huge success in the modern world. Having offered borrowers an improved financial landscape, these institutions are gaining foothold and gathering momentum. According to a PriceWaterhouseCoopers report, “although still in its infancy as a market, US P2P platforms issued approximately $5.5 billion in loans in 2014.” PwC estimates that the market could reach $150 billion or higher by 2025. (See also: Peer-To-Peer Lending - Determining The Future Of Banking Across The World.)

Popular P2P Platforms

With the rising popularity of peer-to-peer lending platforms, peer competition and products have increased as well. While these marketplaces operate on the same basic principle, they vary in terms of eligibility criterion, loan rates, amounts and tenures as well as offerings -- some focus on personal loans and a few target students and young professionals, while some cater exclusively to business needs. Below are some of the popular peer-to-peer lending websites (in no specific order).

1) Upstart

Upstart, a venture by ex-Googlers, is a peer-to-peer lending platform with a difference. It was founded in 2012 by Dave Giround, along with Paul Gu and Anna M. Counselman as co-founders. Upstart states, “You are more than your credit score. On Upstart, your education and experience help you get the rate you deserve.” Thus loan eligibility is decided on factors that go beyond the FICO score, such as the school of graduation, academic performance, area of study and work history. Upstart offers loans starting from a minimum of $3,000 to a maximum of $35,000 at an annual percentage rate (APR) starting at 4.7%. Upstart offers loans for almost everything, be it for repaying a student loan or attending a boot camp, for buying a car or paying medical bills to supporting a business. Upstart has become increasingly popular with the younger generation (20s and 30s) who don’t have a long credit history, making it hard to get a loan based on conventional criteria, but who have the potential to honor the commitment. Click here for more information.

2) Funding Circle

Funding Circle is a leading marketplace with a focus exclusively on small businesses in the U.S. and U.K. The U.S. co-founders started this platform to facilitate funding small businesses, as they themselves experienced that the traditional banking system was too closed to support small businesses. After their own loan was rejected the 96th time, the founders decided to abandon the flawed banking system and work towards providing a feasible solution for small business owners. Funding Circle has given out $1 billion in loans to approximately 8,000 businesses globally. The company has not only grown with a huge number of borrowers, but the number of investors has increased as well. Today, its investor base includes more than 40,000 retail investors, financial institutions, banks and even the U.K. government. Funding Circle offers loans starting from $25,000 to $500,000 for a maximum 5-year tenure for any business purpose like expansion, new equipment, hiring more people or launching innovative campaigns. Click here for more information.





3) Prosper Marketplace

Prosper Marketplace, Inc was the first ever peer-to-peer lending market place in the U.S. The platform has grown tremendously since its inception; it now has a member base of 250,000 people and has funded over $4 billion in loans. Prosper offers a wide range of loans from debt consolidation to home improvement, short-term and bridge loans, auto and vehicle loans, small business loans, baby and adoption loans, engagement ring financing, special occasion loans, green loans and even military loans. These loans are offered starting from a minimum $2,000 to a maximum of $35,000 for a term of 3 or 5 years, for rates ranging from 5.99% to 36% annual percentage rate (APR) for first-time borrowers. Prosper invites lenders to invest as little as $25 per note; these investments offer competitive returns along with a monthly cash flow option. Click here for more information.

4) CircleBack Lending

CircleBack Lending offers loans for tenure of 3 or 5 years for amounts starting from $3,001 to $35,000. The APR moves in the range of 6.63% to 36%, and the actual rate that a borrower gets depends upon the credit score, amount of loan, tenure, and credit usage and history. The platform is good in cases where borrowers have a good credit history and need a higher than average loan amount. CircleBack Lending offers personal loans for various purposes: credit card refinancing, debt consolidation, home improvement loans, medical expenses, auto loans, wedding loans, engagement ring loans, small business loans, relocation loans, vacation loans, green loans, motorcycle loans and boat loans. CircleBack Lending gives small businesses access to personal loans to individuals rather than as a business. Click here for more information.

5) Peerform

Peerform, founded in 2010 by Wall Street executives, is another popular lending marketplace. The platform caters to 3-year loans in the range of $1,000 to $25,000, with annual percentage rates (APR) in the range of 7.12% to 29.99%. Peerform believes that FICO score alone is not an adequate measure of risk and has a Peerform Loan Analyzer for the job. According to Peerform, “developed in conjunction with leading economists, the Loan Analyzer represents a differentiated way to determine the creditworthiness of borrowers, enabling individuals with credit scores as low as 600 to secure funds.” Peerform offers funding for debt consolidation, installation loans, wedding loans, home improvement, medical expenses, moving and relocation as well as car financing. Click here for more information.

6) SoFi

SoFi, founded in 2011, is a popular name in the peer-to-peer lending market place. The focus of SoFi is, “to help early stage professionals accelerate their success with student loan refinancing, mortgages, mortgage refinancing and personal loans.” SoFi has issued over $4 billion in loans till date. SoFi has a slightly strict eligibility criterion; they look into current or prospective employability, financial history, budget management (income versus expenses), job experience and graduation school accreditation, among other things. SoFi offer loans for much higher amounts; the minimum loan amount is $5,000, which goes up to $100,000 as compared to the standard $35,000 by the majority of its peer lenders. Funding is available for the following purposes: student loan refinancing, mortgages, mortgage refinancing, personal loans, parent loans and parent plus refinancing, as well as MBA loans. Click here for more information.

7) Lending Club

Founded in 2007 by Renaud Laplanche, Lending Club Corporation (NYSE: LC) is a premier player in the peer-to-peer lending space. Lending Club is a giant in the online market place that connects lenders and borrowers; the total loans issued till mid-2015 amounted to $11,167,217,348. Lending Club caters to loans for various purposes like personal finance (consolidate debt, pay off credit cards, home improvement and pool loans), business loans, patient financing (dentistry, fertility, hair and bariatric), as well as for investing. The minimum personal loan amount offered is $1,000 ($15,000 for businesses), going to a maximum of $35,000 ($300,000 for business). This popular brand became the first publicly traded online peer-to-peer lending company in the U.S., with its successful initial public offering (IPO) on the NYSE in December 2014. The company currently has a market capitalization of 5.14 billion. Click here for more information.

The Bottom Line

There are many other popular P2P platforms other than the ones mentioned in the list above, like Zopa in the U.K., BorrowersFirst, Kiva, Pave and Daric. For the P2P platform, borrowers and lenders alike, the system has worked wonders. As for revenues, the P2P platform generates them through origination fees charged to borrowers and partially from interest charged to investors as service fees. The investors generate revenue from the remaining portion of the interest that the borrowers pay on loans. As for borrowers, they benefit from easy access to loans at decent rates, small loans for specialized purposes, faster and smoother procedures, and benevolence to small business ambitions. (See also: P2P Mortgage Loans - A Growing Trend)


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