Update: Flying Fintechs & Zombie Banks
COIN has been helped by a groundswell of positive comment about crypto in 2023...
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The Institutional Risk Analyst
© 2003-2023 | Whalen Global Advisors LLC All Rights Reserved in All Media | ISSN 2692-1812
Banks | Markets | Fintech
R. Christopher Whalen
- Oct 26
- 9 min
Interest Rates, Fintech & MSRs
Regulatory skepticism about mortgage assets could effect financing rates for lenders, which means higher mortgage rates for consumers.
503 views
R. Christopher Whalen
- Aug 2
- 5 min
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
692 views
R. Christopher Whalen
- Jun 6
- 6 min
AI, Automobiles & Great Cities
If it’s artificial, then it’s not intelligent.
1,154 views
R. Christopher Whalen
- Feb 21
- 6 min
Is Stripe Worth $55 Billion? Really?
CEO Patrick Collison is guiding investors and the media to a $200 million profit in 2023. Selective disclosure??
553 views
R. Christopher Whalen
- Jan 9
- 7 min
Crypto Collateral Damage Mounts
In other words, those residual claims on crypto issuers that have been trading at pennies on the dollar may have no value whatsoever.
685 views
R. Christopher Whalen
- Dec 16, 2022
- 6 min
The Year That Was: 2022
Many in the Buy Side chorus are looking forward to lower interest rates, but we are concerned that next year could really be about solvency
626 views
R. Christopher Whalen
- Nov 25, 2022
- 9 min
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
355 views
R. Christopher Whalen
- Oct 6, 2022
- 6 min
Nonbank Lenders: The Dead Pool
With the Fed doubling down on rate increases, the pressure on all manner of nonbank finance companies and fintech platforms is growing.
642 views
R. Christopher Whalen
- Sep 29, 2022
- 4 min
Update: Switch Inc.
SWCH is performing above the rate of total returns for the data center REITs, according to Nareit
164 views
R. Christopher Whalen
- Aug 25, 2022
- 6 min
Update: Blend Labs & loanDepot Inc.
If the merger of Black Knight and Intercontinental Exchange goes through, the expanded ICE monopoly will simply give POS tools away for free
339 views
R. Christopher Whalen
- Aug 21, 2022
- 7 min
Interest Rates, FinTechs & MSRs
Interest rates are starting to be very positive, and bank deposit rates are barely moving, so pretense of fintech as bank killer is over
559 views
R. Christopher Whalen
- Jul 11, 2022
- 5 min
Elon Musk, China & Twitter (TWTR)
Why did Elon Musk ever pretend that he was able to acquire TWTR, a transaction the US government would never allow.
1,356 views
R. Christopher Whalen
- Jun 6, 2022
- 6 min
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.
1,207 views
R. Christopher Whalen
- Jun 2, 2022
- 7 min
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
739 views
R. Christopher Whalen
- May 18, 2022
- 6 min
Update: Crypto Frauds and Fintech Dreams
Q: What do Elon Musk and Masayoshi Son have in common? Gigantic margin loans...
521 views
R. Christopher Whalen
- May 11, 2022
- 8 min
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
461 views
R. Christopher Whalen
- May 2, 2022
- 5 min
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.
527 views
R. Christopher Whalen
- Apr 4, 2022
- 2 min
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?
313 views
R. Christopher Whalen
- Feb 25, 2022
- 7 min
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.
306 views
Christopher Whalen
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