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Iou Financial Inc C.IOU


Primary Symbol: V.IOU

IOU Financial Inc. is a wholesale lender that provides access to growth capital to small businesses through a network of preferred brokers across the United States. The Company has built IOU360 technology platform that connects underwriters, merchants and brokers in real time. Its IOU Financial platform connects to dozens of data sources, aggregating and automatically processing hundreds of data points on a business in seconds. It also operates a commercial lending brokerage business through its wholly owned subsidiary, ZING Funding. The Company sells substantially all loans that it originates to institutional purchasers and retains the right to service those loans on behalf of the purchasers in exchange for servicing fees based on collections. Its customers include medical and dental practices, grocery and retail stores, restaurant and hotel franchisees and e-commerce companies.


TSXV:IOU - Post by User

Comment by MainStonBaySton Aug 23, 2018 1:07am
105 Views
Post# 28503760

RE:RE:IOU posts third consecutive quarter

RE:RE:IOU posts third consecutive quarterFolks I wrote about this back in May after IOU's q1 results were released:

If the second half of 2018 is anywhere close to the first half, investors buying IOU at $0.19 are buying a growing company at a <5x 2018 price-earnings ratio.  If q3 comes in strong, this ratio could be even lower, which would simply be too cheap.

For three quarters (especially the past two recent quarters), opex and defaults have stabilized - with both of those factors being the major contributors to the year-over-year improvements for q1/q2.  If growth is back and loan originations continue to increase, I think we could be in for a positive surprise in q3 and this stock should catch a bid all the way up to $0.60 or $0.70 over time.  If the company is tightly held which somebody here has suggested before, then it could get to those levels faster.

I have seen stocks with strong operating leverage surprise nicely before so here's hoping that this trend continues.
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