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  1. #8281
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    Quote Originally Posted by winner69 View Post
    Is this good or bad or just a non-event for Heartland

    https://www.nzx.com/files/attachments/248029.pdf
    I'd like to think they are exploring much bigger and better options these days

  2. #8282
    Speedy Az winner69's Avatar
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    Quote Originally Posted by percy View Post
    You are wrong.
    The fact is HBL have very few car loans go wrong.
    People need their car to get to work.
    Lending on vehicles has been very good sector for Marac [Heartland Bank] for years.
    Agree percy

    Car loan payments comes before mortgage in the short term eh
    “ At the top of every bubble, everyone is convinced it's not yet a bubble.”

  3. #8283
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    Quote Originally Posted by BlackPeter View Post
    Hmm - just preparing for the AGM and wondering myself what to do about the proposed rise in the director fee pool.

    Admittedly - HBL's director fees are above average (they say upper 75% quartile) and now lifted to $100.000 per director (more for the chair), but on the other hand - they are not outrageous, director fees have not been raised for some years - and so far share holders got quite good value out of the board and the company.

    Personally more concerned when ineffective boards try to push up their salaries (and there are plenty of examples for that). Maybe its a case of sharing the gain in shareholder value instead of annoying good people doing good work?

    What do others think?
    I will unfortunatly vote in favour,because they have certainly added value to the business,but really I think it is in directors' own best interest to be on the board, even if they received no pay, as Tomlinson,Ricketts ,Irvine and Greenslade are substantial shareholders.
    Look forward to catching up with you.
    After the meeting I will be between the bar and the kitchen.[well positioned.]
    Last edited by percy; 15-11-2016 at 01:51 PM.

  4. #8284
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    Quote Originally Posted by winner69 View Post
    Agree percy

    Car loan payments comes before mortgage in the short term eh
    Exactly......Before the mortgage.
    No car,no work,no work, no dough,no dough,big problems.

  5. #8285
    Speedy Az winner69's Avatar
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    Q1 $14.3m

    Heartland managing profit very well I reckon

    $14.3m times 4 equals FY guidance of $57m

    But upper end FY17 guidance of $60m is 10% up on FY16 .....and Q1 is 21% up

    So $60m easy peasy - 100% certain
    “ At the top of every bubble, everyone is convinced it's not yet a bubble.”

  6. #8286
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    Quote Originally Posted by winner69 View Post
    Q1 $14.3m

    Heartland managing profit very well I reckon

    $14.3m times 4 equals FY guidance of $57m

    But upper end FY17 guidance of $60m is 10% up on FY16 .....and Q1 is 21% up

    So $60m easy peasy - 100% certain
    Yes,easy peasy.!!

  7. #8287
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    Forward PE of not even 12.5?

    Growth rates in the double digits?

    Gross Dividend yield of nearly 8%?

    The only question left now is why the share price isn't above $1.60...

  8. #8288
    Reincarnated Panthera Snow Leopard's Avatar
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    Cool Why did I ever think of selling down even a little

    Squeeze the borrowers + squeeze the savers + squeeze the staff = More new hats for shareholders
    [Get less interest, pay out even less interest and cut expenses].

    Nice to see Overdue and Impaired loans cleaning up (overall) nicely.
    All those doubtful dairies gone away, one way or another .

    Best Wishes
    Paper Tiger

    Disc:
    om mani peme hum

  9. #8289
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    Quote Originally Posted by trader_jackson View Post
    Forward PE of not even 12.5?

    Growth rates in the double digits?

    Gross Dividend yield of nearly 8%?

    The only question left now is why the share price isn't above $1.60...
    Because the canny are not buying in large quantity :-)))

    Disc. Holder from their beginning.
    Last edited by janner; 17-11-2016 at 03:41 PM.

  10. #8290
    Reincarnated Panthera Snow Leopard's Avatar
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    Exclamation Do the right thing

    AGM digital paperwork available [click me]

    Read, enjoy and then go buy more.

    Best Wishes
    Paper Tiger

    Disc: Fully digitized.
    om mani peme hum

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