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Share Name Share Symbol Market Type Share ISIN Share Description
Aldermore LSE:ALD London Ordinary Share GB00BQQMCJ47 ORD GBP0.10
  Price Change % Change Share Price Bid Price Offer Price High Price Low Price Open Price Shares Traded Last Trade
  0.00 0.0% 312.40 312.40 312.60 - 0.00 00:00:00
Industry Sector Turnover (m) Profit (m) EPS - Basic PE Ratio Market Cap (m)
Banks 239.4 128.7 25.2 12.4 1,078

Aldermore Share Discussion Threads

Showing 3151 to 3174 of 3675 messages
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DateSubjectAuthorDiscuss
11/8/2016
08:49
Lets consider the "headline" risks here: 1. Reduction in Base rate - even if this reduced NIM without dilution (i.e. 100% loss of income, with no reduction in cost of funds) then NIM would reduce from 3.6% to 3.35% and profits might decline by 14%. Reality is less than half this. 2. BTL - roughly 40% of business. Current indications are that this market is already bouncing back after the artificially low new business in April following the March splurge to beat the SDLT surcharge. So lets assume this reduces by 25% - again unrealistically pessimistic. Even if ALD were to go ex growth and taking account of above it will be generating over £60m post tax and essentially all available for dividend. So if we put £50m on a divi yield of 5% (again ridiculously pessimistic) you get a valuation of £1000 million - i.e. more than double current valuation. The sector is being held down by people who do not understand its dynamics - it will rebound eventually just need to be patient.
future financier
11/8/2016
08:26
Good point Cc2014
return_of_the_apeman
11/8/2016
08:21
ALD need 150-151 to stay in the FTSE 250 by the end of August, based on all other share prices not moving
cc2014
11/8/2016
08:15
http://www.thisismoney.co.uk/money/mortgageshome/article-3688651/Brexit-puts-brakes-house-sales-supply-plummets-says-RICS.html
abarclay
11/8/2016
08:13
FTSE 250 relegation certain now
abarclay
11/8/2016
08:11
They pay 1.09% on business savings accounts and that hasn't changed in the last couple of years.
mrphil
11/8/2016
08:08
"H2 will be weak because BTL has died and ..." Is that right? Investec said this yesterday, when issuing a buy note on OSB: "Gordon noted that OneSavings is almost 'pure play' on the buy-to-let market, and with this in mind, said the latest data from the Council of Mortgage Lenders showing sustained strength in the buy-to-let re-mortgage market throughout the second quarter of 2016 should be taken as "clear, positive confirmation"."
zho
11/8/2016
08:06
BTL has only died because the changes to the rules meant everyone piled in during Q1. When other assets are yielding nothing - people will invest in property still.
bonio10000
11/8/2016
08:00
"H2 will be weak because BTL has died and housing market has died and NIM will take a hit because of lower base rates" Silly question but do ALD need to keep adding new business at similar rates to deliver decent figures Surely all their current customers aren't going to up and leave in a flash even if the level of new business moderates considerably. As ever the problem with Financial institutions its always about what we are not being told (Northern Rock certainly crashed and burned quickly when they couldn't get cheap finance). From a practical perspective i know loads of bods parking excess business funds wads with ALD (due to convenience) that happy to get a 1.5% return (prolly 1% now) and surely ALD can make good dosh from this. To me the shareprice seems to be factoring in a sharp decline in future profits which there seems to be no indications of whatsoever - hey ho not a company i would ever treble up on though.
rmillaree
11/8/2016
07:45
hold tight endure pain?
abarclay
11/8/2016
07:36
It seems MM's must have taken a large sell order pre-market as 85% of o and nt trades are buys but price is still falling. Just have to be patient
cc2014
11/8/2016
06:59
H2 will be weak because BTL has died and housing market has died and NIM will take a hit because of lower base rates
abarclay
11/8/2016
06:40
That's a nice set of results - expect a sharp upturn today and tomorrow.
tini5
11/8/2016
06:33
Results key points: Underlying profit before tax up by 45% to £63m (H1 2015: £44m) Earnings per share grew by 17% to 10.3p (H1 2015: 8.8p) CET1 capital ratio of 11.0% (31 December 2015: 11.8%) Phillip Monks, CEO states 'no direct impact' following referendum and 'remains optimistic about our future'.
dendria
10/8/2016
16:22
Possible profit warning? I doubt that although possible that q1 results will be tough to beat given the pre tax increase rush.. More likely to say market conditions challenging but a small fish in the pond etc
pejaten
10/8/2016
15:32
I think it will touch over and above £1.80, back to where it should be.
isaready
09/8/2016
14:11
Looking for 175p here on decent results.....
mdw1
09/8/2016
09:26
dlku - or to put another spin on it - record results, and no indication of post Brexit problems. Confirm intention to pay divi early next year.
future financier
09/8/2016
09:18
Why would lower interest rates make it harder for the bank to succeed? Surely they turn up at the funding window at circa 0.5% and then farm it out to the masses at 3.xx percent ( over 6 times) . Lot easier to do that than go at base rate of 10% and farm it out at 13% ( 30 % margin)
steptoes yard
09/8/2016
09:06
Possible profit warning and relegation from ftse250
dlku
09/8/2016
08:52
I admire your enthusiasm but one post would do. Results on Thursday.
cc2014
09/8/2016
08:37
New recent high
onjohn
09/8/2016
08:37
Level2 firming
onjohn
09/8/2016
07:21
Feel a whoosh to 200p coming
onjohn
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