HGH - Heartland Group Holdings

[bull....]

Why would it go sub $1 if sub $1.10? is that a TA thing?

Yeah good buying anywhere around these levels imo. Hold for 4 years and im sure you will do very well.

yep follow sailors theory lol keep buying all the way down haha

[bull....]

non bank lenders under extreme margin pressure by big banks.

[Rawz]

yep follow sailors theory lol keep buying all the way down haha

Buying at $1 or $1.10 or $1.20 no biggie when the SP be over $2 in a couple of years and you collect a decent divvy along the way.
Who can pick the bottom? Buying HGH in a downtrend is different to buying OCA or KMD (as an example) in a downtrend imo.

Where do you get your margin under extreme pressure by big banks stuff from? Do you mean like now or just in the past? I reckon right now what they are writing will be back to normal nim and this will flush through in the coming years with nim increasing nicely

[bull....]

Buying at $1 or $1.10 or $1.20 no biggie when the SP be over $2 in a couple of years and you collect a decent divvy along the way.
Who can pick the bottom? Buying HGH in a downtrend is different to buying OCA or KMD (as an example) in a downtrend imo.

Where do you get your margin under extreme pressure by big banks stuff from? Do you mean like now or just in the past? I reckon right now what they are writing will be back to normal nim and this will flush through in the coming years with nim increasing nicely

you making me laugh , if margin under pressure now = less profit = less div
if they do cap raise = lower share price + lower div esp if margins contracting
when challenger deal finalized they spend next 2 yrs energy and money on making that profitable

[Rawz]

you making me laugh , if margin under pressure now = less profit = less div
if they do cap raise = lower share price + lower div esp if margins contracting
when challenger deal finalized they spend next 2 yrs energy and money on making that profitable

well im saying margin isnt under pressure now.. yes in the past but not going forward.

you saying its getting crushed by big banks? where do you get this from? just making it up or what? im honestly interested to see the data

as the swaps drift lower nim will increase.

[bull....]

well im saying margin isnt under pressure now.. yes in the past but not going forward.

you saying its getting crushed by big banks? where do you get this from? just making it up or what? im honestly interested to see the data

as the swaps drift lower nim will increase.

its all in there results nim declining and all over the news non- bank lenders nim's getting crushed ... crushed worldwide

[Rawz]

its all in there results nim declining and all over the news non- bank lenders nim's getting crushed ... crushed worldwide

In the historic accounts? Lol

[bull....]

In the historic accounts? Lol

i post it again. this is there outlook statement

We expect economic conditions to remain challenging throughout FY2024, with ongoing pressure on margins and impairments

[Rawz]

i post it again. this is there outlook statement

We expect economic conditions to remain challenging throughout FY2024, with ongoing pressure on margins and impairments

I can’t see that.

This is from H1

In the long-term Heartland expects to continue its growth story. Organic growth is expected to improve in line with reduced inflation. Similarly, cost of funds and net interest margin (NIM) are expected to improve as interest rates ease.

[bull....]

I can’t see that.

This is from H1

In the long-term Heartland expects to continue its growth story. Organic growth is expected to improve in line with reduced inflation. Similarly, cost of funds and net interest margin (NIM) are expected to improve as interest rates ease.

you might need a maori interpreter