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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 WBuffett1on Oct 28, 2018 7:30pm
15 Views
Post# 28885050

RE:Looks like,....

RE:Looks like,....Insightful analysis

canader wrote:
The real estate market doesn't give a rats A.S.S about Stock market sentiment.

https://www.zolo.ca/toronto-real-estate/trends

The Bank's loan books will continue to grow,...
The profits will continue to grow,..

Looking ahead to a recession. B20 is building a BIG protective moat around all mortgages.
Most peope have a 5 year mortgage so about 20% renew per year + new mortgages.

So with 1 year of B20 nearly behind us we have,..
1) New mortgages buffered by B20 rules
2) Mortgages renewing because they are performing
3) A stable real estate market for those that are having problems meeting their obligations to get out of the market or downsize.
4)RE Speculation is all but dead
5)Employment and economy are all doing well

The Dhorties have manged to create a negative SP sentiment around the banks. The average house buyer doesn't care about bank fundamentals(they care about employment). The RE market will continue along immune to Dhortie BS. So the banks will continue to do well $$. And eventually the SP will catch up,

Time costs the Dhortie money. Everyday they are short, they bleed $$

DYODD.
GLTA


Bullboard Posts