Rachel is in a common situation, feeling responsible to help a family member in need — even if it might hurt one’s own finances in the process.Cruze told Rachel, who still owes $27,000 on the car, that she will likely take a loss on the car when she sells it. She advised looking up the value of the car, selling it and then taking out a loan at a credit union to pay off the difference.“She can get a $5,000 car. Single parents do it all the time,” Ramsey said. “You’re putting those kids’ mom in a trap. She ca ...

公司业务与技术优势 - 公司开发了基于人工智能的贷款审批算法，相比传统评估方法能更有效判断借款人的信用状况[1] - AI算法可分析2500多个指标，审批数量是传统方法的两倍，同时保持相同风险水平且平均利率更低[6] - 2025年第一季度92%的贷款审批（共240706笔）实现全自动化，大幅提升效率[7] 市场机会与扩张计划 - 全球每年贷款发放规模达25万亿美元，公司潜在服务费收入机会达1万亿美元[9] - 业务从无担保个人贷款扩展至汽车贷款和房屋净值信贷额度(HELOC)，未来计划进入小企业贷款和信用卡领域[8][9] - CEO预测未来十年内AI将完全取代人工评估，公司处于行业转型领先地位[9] 财务表现 - 2025年Q1营收2.13亿美元，同比增长67%，增速创三年新高且连续三季度加速[10] - 当季发放贷款面值21亿美元，同比激增89%，增速同样连续三季度提升[11] - 调整后EBITDA转为正值达4250万美元，较去年同期亏损2030万美元大幅改善[13] - GAAP净亏损收窄至240万美元，同比减少96.2%[12] 估值分析 - 当前市销率(P/S)为5.7，较2021年峰值50大幅回落，低于长期平均值8.8的35%[14][15] - 管理层预计2025全年营收将达10.1亿美元，对应前瞻市销率仅4.2[15] - 若市销率回归长期均值，股价需在当前基础上翻倍[17] 行业环境 - 2024年末利率下降推动2025年Q1贷款需求回升[18] - 美联储潜在降息可能进一步刺激贷款需求，但若降息放缓或短期影响业务增速[18]

If you have a significant goal, like paying off credit card debt or renovating your kitchen, you may be interested in tapping into your home equity to help you afford it. You can access your home equity — what your property is worth minus what you still owe on it — in several ways, including taking out a second mortgage or refinancing your existing mortgage loan. What is a second mortgage? A second mortgage is exactly how it sounds. You take out another home loan on your residence — in addition to your ...