Sentences with phrase «average credit risk»

This may sound paradoxical, but companies that formulate and sell credit scores consider an abnormal (whatever that may mean) number of credit inquiries, particularly over a relatively short time period, to be an indicator of higher - than - average credit risk.

Banks with lower than average credit risk also earn less than average on their loans.

Most of our banks earn a mid-teens or better return on equity (ROE), but with lower than average credit risk.

Not exact matches

Retail REITs that own and operate malls with low average sales per square foot, below $ 400, are experiencing the most pronounced credit risk.

Looking back over the past fifteen years, in months when high yield credit spreads were widening, indicating tighter financial conditions and more risk aversion, the S&P 500 outperformed the Russell 2000 by an average of roughly 0.45 percent.

Each account will contain investment - grade taxable bonds rated BBB − or higher at time of purchase.2 The investment team will seek to maintain an overall portfolio credit rating average of A −.2 Please be aware that lower rated bonds do carry additional risk compared to higher rated bonds.

Rates on government student loans are always fixed, and don't take into account the credit risk posed by the borrower, however you can take a look at what the average student loan interest rate is.

As usual, I don't place too much emphasis on this sort of forecast, but to the extent that I make any comments at all about the outlook for 2006, the bottom line is this: 1) we can't rule out modest potential for stock appreciation, which would require the maintenance or expansion of already high price / peak earnings multiples; 2) we also should recognize an uncomfortably large potential for market losses, particularly given that the current bull market has now outlived the median and average bull, yet at higher valuations than most bulls have achieved, a flat yield curve with rising interest rate pressures, an extended period of internal divergence as measured by breadth and other market action, and complacency at best and excessive bullishness at worst, as measured by various sentiment indicators; 3) there is a moderate but still not compelling risk of an oncoming recession, which would become more of a factor if we observe a substantial widening of credit spreads and weakness in the ISM Purchasing Managers Index in the months ahead, and; 4) there remains substantial potential for U.S. dollar weakness coupled with «unexpectedly» persistent inflation pressures, particularly if we do observe economic weakness.

Based on the Urban Institute «s HFPC Credit Availability Index, average GSE default risk due to borrower attributes was five percent between 2001 and 2003 and six percent between 2005 and 2007, a 20 percent increase.»

Furthermore, Dell Scholars earn college credits at a faster pace, maintain a higher grade point average, and are less likely to risk losing federal financial aid due to poor academic performance.

The EWS Online Tool relies on student - level data available to the school or district such as attendance, course failures, grade - point average (if available), credit attainment, and behavior (if available) to identify students who are at risk.

Cummins 6.7 L I6 Turbodiesel 4D Crew Cab 4x4 W / LIFT BFG A / T, FLAT BLACK WHEELS 4WD 6 - Speed Automatic All Credit Welcome at Subaru Mazda El Cajon, home of the Risk - Free Warranty % 2521 Recent Arrival % 2521 Odometer is 19556 miles below market average % 2521 Your job is to find the best deal our job is to be the best deal.

Two of the largest risks are that the average credit quality of bonds in this sector is well below investment grade and the heavy issuance of zero coupon bonds creates a sector that has one of the longest durations in the municipal bond market.

Equity risk for the S&P 500 (a high credit quality group) is probably akin to the risk of owning weak BB or strong single - B bonds on average.

What's more, GICs pay higher yields than government bonds: today you can build a five - year ladder with an average yield over 2 %, with no credit risk and no chance of a capital loss.

One of the reasons that renters insurance in Irvine is about a dollar a month more than the national average is that the risk is shared more evenly and equitably in California than in most states because insurance credit scores can't be used to rate policies.

According to the TransUnion's analysis, fintech risk - return ratios in Q2 2017 reached an average of 8.7 percent, while those for the banks and credit unions saw 6.7 and 6.3 percent, respectively.

The rating places you in a good, average or poor credit rating category which lenders use to determine whether you are a good credit risk for them to grant you credit.

That means that if you have less than perfect credit, or a claims history, you're still likely an average risk.

Our short duration funds have an average duration that's typically less than five years, and offer varying yields and levels of credit risk.

With little margin for profit, lenders have become even more risk - averse, so indicators of credit tightness such as the average FICO score have ticked up this year as rates have gone down.

Flat wages, reliance on credit, and the inability to pay off debt puts the average American at a higher risk to be stuck in the red than ever before.

Both the HUD and the agencies have worked to address liability concerns and be more lender - friendly in the past year, but lenders remain wary of the risks associated with government - insured loans, which go to borrowers with lower average credit scores.

I realize that a few folks posting here believe that these actions might make FICO scores somewhat useless in another year... but if I were the suspicious type, I'd be betting that a reduction in average FICO scores for Americans on a massive scale — the scale that can be created by reducing credit limits suddenly on many millions of card holders — is something that the Credit Industry is betting will become its * salvation * in a few more years, aside from simply «reducing their exposure to risk» credit limits suddenly on many millions of card holders — is something that the Credit Industry is betting will become its * salvation * in a few more years, aside from simply «reducing their exposure to risk» Credit Industry is betting will become its * salvation * in a few more years, aside from simply «reducing their exposure to risk» today.

Nick Clements, founder of MagnifyMoney.com and former Director of Risk Management at Citibank explains that factors such as your history with the bank's products, your income, overdrafts or average account balances, or how much money you will put down on a car may factor into custom credit scores.

You could lend to somebody with good credit that had an «A» rating, «B» with fair to good, «C» just average credit, a «D» with poor credit and then finally «HR» or high risk.

In the construction of the S&P U.S. High Yield Low Volatility Corporate Bond Index, an individual bond's credit risk in a portfolio context is measured by its marginal contribution to risk (MCR), calculated as the product of its spread duration and the difference between the bond's option adjusted spread (OAS) and the spread - duration - adjusted portfolio average OAS (see Equation 1).

In a weird way that may make them a lower risk to the credit card issuer than someone with an average or worse credit rating who's never filed bankruptcy.

My credit score is above average, though I have $ 19,000 in debt to credit card companies and make $ 50,000 a year, for some reason (maybe a $ 1,200 dollar a month payment for my home mortgage and my house going down 20 % in value since i bought it — seems to make me out to be a risk?

Basically, a fair credit score means you pose an average level of risk to credit agencies and financial institutions.

As of last week, the Market Climate in stocks was characterized by a combination of rich valuations, unfavorable market action, continued negative economic pressures on forward - looking indicators, and additional indicators (sentiment, credit spreads, etc) associated with a poor average return / risk profile in stocks.

White Line - High Yield Spreads, Orange Line: Average gas PricesRemember that when the white line goes up it is bad, when it goes down it is good (credit spreads / credit risk)

I'm against revolving credit card debt given the average interest rate is roughly 13 - 14 % or 4X the risk - free rate of return.

Investment strategies that involve debt (e.g. trading on margin, credit card arbitrage, borrowing money) is very risky and the average investor doesn't have a reason to engage in that level of risk.

The lender will likely provide the loan at a higher than average interest rate to cover the potential risks associated with a lower credit score.

And as The Financial Times noted on Monday: «US investment grade is now above the main 50 -, 100 - and 200 - day moving averages, sending a bearish signal on credit risk.

Risk is measured by the average credit rating of the portfolio.

It does this by comparing the default rate from a given lender to the average default rate for all FHA loans, regardless of credit score or other risk factors.

The exposure in A and below papers is higher than the peer average which leads to high credit (Default) risk in fund.

Historically, it was difficult for borrowers to obtain mortgages if they were perceived as a poor credit risk, perhaps because of a below - average credit history or the inability to provide a large down payment.

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Consumers with the best credit scores enjoyed an average credit limit of $ 10,396 — nearly twice the size of the next lowest risk tier.

That means that if you have less than perfect credit, or a claims history, you're still likely an average risk.

As a national average, these insurance companies charge people with Poor credit twice as much for the same coverage as they charge for people with Excellent credit because they perceive them as higher - risk clients.

Standard risk drivers have an average driving record, a good amount of driving experience, good or average credit history, and rely on their cars to commute to work or vacation.

• Successfully delivered Credit Risk Platform with 50 % reduced SLA (s), risk rerun / reproduction capabilities and an estimated cost saving of an average of $ 10M per yRisk Platform with 50 % reduced SLA (s), risk rerun / reproduction capabilities and an estimated cost saving of an average of $ 10M per yrisk rerun / reproduction capabilities and an estimated cost saving of an average of $ 10M per year.

Risk - based pricing means compensating the lender for taking the additional risk on a borrower with a lower credit score (the average FICO score for a conventional loan was 753 in 2016, according to Ellie MRisk - based pricing means compensating the lender for taking the additional risk on a borrower with a lower credit score (the average FICO score for a conventional loan was 753 in 2016, according to Ellie Mrisk on a borrower with a lower credit score (the average FICO score for a conventional loan was 753 in 2016, according to Ellie Mae).

As measured by TransUnion's Resident Scoring Model, the credit risk of residents in those properties steadily improved, with an average improvement of 1 % in the past year.