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Home Capital Group Inc T.HCG

Home Capital Group Inc. is a Canada-based holding company that operates through its principal subsidiary, Home Trust Company (Home Trust). Home Trust is a federally regulated trust company offering residential and non-residential mortgage lending, securitization of residential mortgage products, consumer lending and credit card services. In addition, Home Trust and its wholly owned subsidiary, Home Bank offer deposits through brokers and financial planners, and through a direct-to-consumer brand, Oaken Financial. Its mortgage lending includes classic single-family residential lending, insured residential lending, residential commercial lending, and non-residential commercial lending. Its consumer lending loan portfolio comprises credit cards, lines of credit and other consumer retail loans. In addition, the Company manages a treasury portfolio to support liquidity requirements and invest excess capital.


TSX:HCG - Post by User

Bullboard Posts
Comment by DaveAuon Apr 16, 2011 3:39pm
253 Views
Post# 18441673

RE: $750,000,000 shelf prospectus

RE: $750,000,000 shelf prospectusPuzzling. It would be nice if they'd tell us what they're thinking rather than making us guess.

They don't seem to need the money given their historically high capital ratios and their comments that the Basel changes won't have a big effect.

A few times I've heard Gerry make comments about the clean capital structure, something like "we have no warrants or preferreds, ...".  On the other hand, every time Fitch did a report, he has deemed it worthy of mention despite the fact that they've never issued any bonds.

In this business, they spend an awful lot of time thinking about interest rates, so perhaps they just see a real opportunity to raise money cheaply via bonds, maybe combined with an equity raise to keep their ratios stable.

While I think ETC might make a good partner, I think they could just do it as a merger if they were so inclined, which wouldn't necessitate the raising of capital.

That prospectus is devoid of any useful information. It's 100% boilerplate red tape.
Bullboard Posts