RE:No insider buying?Fabrice recently bought at 20. He said a worsening economy could impact default rates but that the company did OK in 2008/2009.
I do not believe we will be at low oily prices for more than 6 months as I think Saudi Arabia is doing this to drive out shale producers in the US. I do not see a structural issue here which will cause oil to be this low or lower for years to come. Oil may still go lower but I expect to see 80 far sooner than later.
As for EasyHome, I wonder whether a deteriorating economy would not pick up business as more people would go to them for loans? Even if the default rate were to increase, I wonder whether more loans would offset this? I am not an expert in this business so perhaps others know more.