OneMain Holdings is one of those companies Benjamin Graham would consider buyable. They have a 100-year history, transparent management and reporting, trade at a tolerable forward PE of 9, and pay a 7% dividend. Stable management, safe dividends, transparent reporting, decent valuation, andPhD in Law and Economics, with a dissertation focusing on corporate wrongdoing. Longstanding interest in the stock-market, focusing primarily on US small to mid caps, both long and short.I will write about what peaks my i ...

I am assigning a ‘Hold’ rating to World Acceptance Corporation ( WRLD ) stock. I see it as a compelling but high-risk turnaround case at an important inflection point. The forward bull argument is in two catalysts. One isAnalyst’s Disclosure:I/we have no stock, option or similar derivative position in any of the companies mentioned, and no plans to initiate any such positions within the next 72 hours. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (othe ...

公司运营亮点 - 截至2025年9月30日，公司贷款总余额为人民币1896亿元，较2024年同期的2131亿元减少11.0% [2][5] - 消费金融贷款余额为589亿元人民币，同比增长26.7% [5] - 2025年第三季度新增贷款总额为人民币569亿元，较2024年同期的505亿元增长12.8% [7] - 2025年第三季度新增消费金融贷款为人民币317亿元，较2024年同期的264亿元增长20.1% [7] - 累计借款人数量达到约2850万人，同比增长15.3% [7] 资产质量 - 截至2025年9月30日，公司（不包括消费金融子公司）逾期30天以上贷款比例为5.1%，较2025年6月30日的4.6%有所上升 [7] - 无担保贷款逾期30天以上的违约率为5.1%，高于2025年6月30日的4.4% [7] - 抵押贷款逾期30天以上的违约率为5.1%，略低于2025年6月30日的5.3% [7] 管理层变动 - 公司任命程建波为新任首席风险官，自2025年10月24日起生效 [8] - 程建波拥有丰富的金融机构风控经验，曾任职于深圳发展银行、华夏银行、FICO及京东数字科技等机构 [8]

By Douglas Gillison WASHINGTON (Reuters) -The top U.S. government watchdog for consumer finance has formally scrapped a registry for non-bank financial companies caught violating consumer laws, asserting that its costs outweighed any benefit to the public, according to a government notice issued Tuesday. The repeal of the registry -- which the prior administration of President Joe Biden had said would help catch and deter repeat offenders -- was first proposed in May and is part of President Donald Trump ...

天眼查App显示，10月21日，河北幸福消费金融股份有限公司发生工商变更，注册资本由6.37亿人民币 增至10亿人民币，增幅约57%。 该公司成立于2017年6月，法定代表人为苏娜，经营范围包括发放个人消费贷款、接受股东境内子公司 及境内股东的存款、向境内金融机构借款等，由张家口银行股份有限公司、神州优车股份有限公司、蓝 鲸控股集团有限公司共同持股。 ...

财报发布与预期 - SoFi Technologies Inc (SOFI) 将于2025年10月28日美股开盘前公布2025年第三季度财报 [1] - 第三季度每股收益（EPS）的Zacks一致预期为0.09美元，较去年同期报告的0.05美元增长80% [1][3] - 第三季度营收的Zacks一致预期为8.908亿美元，同比增长29.2% [1] 财务业绩预期 - 当前季度（2025年第三季度）营收预期为8.9083亿美元，同比增长29.21% [2] - 下一季度（2025年第四季度）营收预期为9.2919亿美元，同比增长25.72% [2] - 当前财年（2025年）营收预期为34.5亿美元，同比增长32.32% [2] - 下一财年（2026年）营收预期为42.8亿美元，同比增长24.13% [2] - 当前财年（2025年）每股收益预期为0.32美元，同比增长113.33% [3] - 下一财年（2026年）每股收益预期为0.57美元，同比增长79.33% [3] 盈利预期修正趋势 - 过去60天内盈利预期出现两次上调，一次下调 [4] - 过去60天，当前季度每股收益预期从0.08美元上调至0.09美元，趋势为+12.50% [6] - 过去60天，当前财年每股收益预期从0.31美元上调至0.32美元，趋势为+3.23% [6] - 过去60天，下一财年每股收益预期从0.55美元上调至0.57美元，趋势为+3.64% [6] 分部门业绩预期 - 金融服务业部门营收预期为3.7513亿美元，同比增长57.5% [9] - 贷款部门营收预期为4.64亿美元，同比增长17% [9] - 技术平台部门预计增长13% [9] 股价表现与估值 - 公司股价今年迄今已飙升88%，而其所在行业仅上涨4% [5][10] - 公司远期市盈率为54.82倍，远高于行业平均的24.14倍 [12] 业务模式与行业地位 - 公司的轻资产平台已实现有效扩张，减少了对传统贷款收入的依赖 [12] - 投资者对其数字化优先模式和基于费用的收入流贡献增长充满信心 [10]

文章核心观点 - 在当前市场波动和政策不确定性高的环境下，结合成长与价值投资的GARP策略具有相关性 [1][2] - GARP策略通过寻找价格合理且具有持续增长潜力的股票，旨在平衡风险与回报 [3][4] - 该策略的成功案例通过四只低PEG比率的具体股票得到体现 [5][9] GARP策略定义与原理 - GARP是成长与价值投资原则的战略性混合策略 [4] - 该策略优先考虑价值指标之一的市盈增长比率 [6] - PEG比率定义为（市盈率）/ 收益增长率，将股票估值与未来盈利增长联系起来 [6] - 较低的PEG比率（优选低于1）表明股票被低估且具有未来增长潜力 [7] 股票筛选标准 - PEG比率和市盈率需低于行业中期水平 [10] - Zacks评级为1（强力买入）或2（买入） [10] - 市值需大于10亿美元以确保流动性 [10] - 20日平均成交量需大于5万股以保证可交易性 [10] - 过去4周F1盈利预测修正幅度需大于5% [11] - 价值评分需小于或等于B级 [11] 符合筛选标准的股票案例 - **嘉年华公司**：全球最大邮轮运营商，Zacks评级为1，价值评分A，长期历史增长率达28.5% [12][13] - **美光科技**：领先半导体内存解决方案提供商，Zacks评级为1，价值评分B，长期预期增长率达28.5% [14][15] - **Synchrony Financial**：知名消费金融服务公司，Zacks评级为2，价值评分A，长期历史增长率为13.1% [16][17] - **爱立信**：领先通信网络提供商，Zacks评级为2，价值评分B，长期预期增长率为8.4% [17][18]

World Acceptance (NasdaqGS:WRLD) Q2 2026 Earnings Call October 23, 2025 10:00 AM ET Company ParticipantsChad Prashad - President and CEOJohnny Calmes - CFO and Strategy OfficerConference Call ParticipantsJohn Rowan - AnalystKyle Joseph - Research AnalystOperatorGood morning and welcome to World Acceptance Corporation's second quarter 2026 earnings conference call. This call is being recorded. At this time, all participants have been placed in a listen-only mode. Before we begin, the corporation has requeste ...

World Acceptance (NasdaqGS:WRLD) Q2 2026 Earnings Call October 23, 2025 10:00 AM ET Company ParticipantsChad Prashad - President and CEOJohnny Calmes - CFO and Strategy OfficerConference Call ParticipantsJohn Rowan - AnalystKyle Joseph - Research AnalystOperatorGood morning and welcome to World Acceptance Corporation's second quarter 2026 earnings conference call. This call is being recorded. At this time, all participants have been placed in a listen-only mode. Before we begin, the corporation has requeste ...

World Acceptance (NasdaqGS:WRLD) Q2 2026 Earnings Call October 23, 2025 10:00 AM ET Speaker0Good morning and welcome to World Acceptance Corporation's second quarter 2026 earnings conference call. This call is being recorded. At this time, all participants have been placed in a listen-only mode. Before we begin, the corporation has requested that I make the following announcement. The comments made during this conference call may contain certain forward-looking statements within the meaning of Section 21E o ...