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
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The Institutional Risk Analyst
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Banks | Markets | Fintech
Christopher Whalen
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.
606 views
R. Christopher Whalen
- Jun 12, 2022
- 7 min
QE = Supranormal Credit Risk
Given the demand for safe assets, the true risk free rate today is probably less than zero. Ponder that Chairman Powell
550 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
536 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.
299 views
R. Christopher Whalen
- Jan 19, 2022
- 6 min
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
322 views
R. Christopher Whalen
- Dec 22, 2021
- 9 min
Update: Block Inc. & Upstart Holdings
Is SQ really, REALLY worth 25x book value? Our respectful answer to that question is no.
313 views
R. Christopher Whalen
- Jun 30, 2021
- 7 min
Profile: Blend Labs, Inc ("BLND")
Is BLND worth more than RKT, or entrenched data monopolies and solution providers such as BKI or even CLGX?
858 views
R. Christopher Whalen
- Jun 17, 2021
- 9 min
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.
532 views
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