Sentences with phrase «value ratio which»

The GSE commenter noted that other fees disclosed on the Closing Disclosure, such as mortgage insurance and loan level pricing adjustments, are tied to the loan - to - value ratio which is, in turn, determined by the value used for underwriting.

This is done to get the property's LTV or loan to value ratio which should be under 85 % in ideal circumstances.

Generated a spreadsheet indicating loan to value ratios which is revised quarterly and submitted to the Board of Directors.

Not exact matches

Previously, the rule only applied to high - ratio loans, in which down payments are less than 10 % of the home's value.

«Increased losses are emanating from weaker collateral pools in the 2013 - 2015 transactions, which have weaker credit quality including lower FICO scores, higher amounts of extended term loans (over 60 months) and higher LTVs [loan to value ratios],» Fitch Ratings analysts wrote Thursday.

«I would argue that the good companies that trade at expensive multiples are better quality companies and deserve a higher multiple,» she says, pointing to the example of retailer Dollarama Inc. (TSX: DOL), which trades at 28.8 times current - year earnings — seemingly rich even for its sector — with an enterprise value - to - EBITDA ratio of 19.8.

This is because, as further described in «Pre-Offering Transactions,» various securities will be exchanged in our corporate reorganization based in part on the ratio of the value of accrued but unpaid dividends (which, where applicable, accrue on a daily basis until the consummation of our corporate reorganization) to our initial public offering price.

Value investors and non-value investors alike have long considered the price earnings ratio, which is also known as the p / e ratio for short, a useful metric for evaluating the relative attractiveness of a company's stock price compared to the current earnings of a firm.

The acquisition price implies a total equity value of approximately $ 52.4 billion and a total transaction value of approximately $ 66.1 billion (in each case based on the stated exchange ratio assuming no adjustment) for the business to be acquired by Disney, which includes consolidated assets along with a number of equity investments.

The most popular way to measure value is the price - earnings ratio, or P / E ratio, which represents the multiple of earnings that an investor is paying to own a stock.

The company's ratio of enterprise value to forward 12 - month Ebitda is about 21, which far exceeds a five - year historical average of 17.

By definition, cash - out mortgages increase your loan to value ratio, which means that a lender will view the new mortgage as a riskier proposition than a smaller mortgage loan.

The chart below shows the ratio of market capitalization to national nonfinancial corporate gross value added (which includes estimated foreign revenue of U.S. companies).

At Berkshire Hathaway's recent annual shareholders meeting, an investor asked Buffett about the relevance of two popular measures of stock market value: 1) market cap - to - GDP, which Buffett once heralded as «probably the best single measure of where valuations stand at any given moment» and 2) the cyclically - adjusted price - earnings ratio (CAPE), which was made famous by Nobel prize winner Robert Shiller and was seen as accurately predicting the dot - com bubble and the housing bubble.

At its current price of $ 41 / share, VIAB has a price to economic book value ratio (PEBV) of 0.5, which implies that the market believes its NOPAT will permanently decline by 50 %.

Because millage rates apply to assessed value, which varies depending on assessment ratio and the local exemptions offered, it can be difficult to compare millage rates between two locations.

These measures include the S&P 500 price / revenue ratio, the Margin - Adjusted CAPE (our more reliable variant of Robert Shiller's cyclically - adjusted P / E), and MarketCap / GVA — the ratio of nonfinancial market capitalization to corporate gross value - added, including estimated foreign revenues — which is easily the most reliable valuation measure we've ever created or tested, among scores of alternatives.

But on the other hand, maybe the ratio of speculation to actual value in the blockchain space has never been higher, which is saying a lot.

Agency loans are SunTrust's label for the Fannie Mae HomeReady ® and Home Possible ® programs, which both allow higher loan - to - value ratios that allow people with less in savings to think about applying for a home loan.

MGIC Investment Corp., which calls itself the largest mortgage insurance company in the U.S., recently changed one of their rules regarding down payments and loan - to - value ratios.

In the past few months, the price to economic book value (zero - growth value) ratio of SPY reached 2.6, which is what we consider to be a Dangerous level.

Making a larger down payment results in a lower loan - to - value (LTV) ratio, which also reduces the level of risk for the lender.

Cash profits over the past 12 months amount to a respectable $ 24.4 million, which, weighed against the company's $ 820 million enterprise value, works out to an enterprise value - to - free - cash - flow ratio of about 34.

At its current valuation of ~ $ 500 / share, AZO stands out with a price to economic book value ratio of only 1, which implies that the company will never grow NOPAT from its current level.

While the current price / peak - earnings multiple is already at an elevated level above 18, what I'll call the «P / E equivalent» multiples on other fundamentals are: 21 on the basis of book values, nearly 23 on the basis of enterprise value / EBITDA (which factors in the increasing share of debt on corporate balance sheets), over 25 on the basis of revenues, and 29 on the basis of dividends (largely because dividend payout ratios remain relatively low even on the basis of normalized earnings).

Fannie Mae will allow a loan - to - value ratio (LTV) of up to 97 % for a HomeReady loan on single - family units, which translates to down payments of at least 3 %.

This has resulted in a further fall in the saving ratio, which appears to have been related to the substantial rise in the value of household assets over the past year.

Speaking of a system bulging with debt protruding from every crevice, Jim Quinn's Burning Platform featured a must - read article yesterday in which the author has discovered that the Loan - To - Value Ratio on Fannie Mae - issued mortgages is now at its highest level in history — nearly 10 % higher than at the peak of housing bubble 1.0:

The city has an assessment ratio of 43.94 %, which means that assessed values are about 44 % of actual values.

The rate at which money is used to bid up asset prices can be thought of as a «financial multiplier» and can be gauged by looking at the ratio of overall asset values to money.

On the graph for this method, the blue fair - value line is drawn at a P / E of 17.7, which is Hasbro's average 5 - year P / E ratio.

This ratio can be slightly misleading because Assets are carried at book value rather than market value which might scew this ratio depending on the age of the Assets.

One area that remains a major concern for the central bank is the growing share of uninsured mortgages, those with loan to value ratios at or below 80 per cent, which is being fuelled by higher Toronto and Vancouver home prices and tighter qualification rules for insured mortgages.

One method I use is to take a look at the price - to - earnings ratio (P / E ratio), which tells you if the stock is trading above or below its value.

The broader TOPIX trades for about 1.3 times book value which is way up from 0.8 before the rally but a heck of a lot less than the US ratio of 2.7.

Another financial ratio that is important in order to evaluate risk is the gearing ratio, which is the ratio of the value of housing debt to the value of the stock of housing assets (Graph 4).

Most applications of the theory of gravity depend only on relative values, such as the ratio of the acceleration of the moon to that of an apple, which can be determined with much greater precision than the absolute value of G.

The module colors indicate the coexpression modules to which the genes belong, with the odds ratio and P - value given for each module reflecting the overall enrichment for differentially regulated genes in the module.

In five independent large cohorts in which more than 1100 total patients were followed for overall survival (Desmedt et al., 2007; Esserman et al., 2012; Kao et al., 2011; Pawitan et al., 2005; van de Vijver et al., 2002; Supplementary file 1), high expression level of MELK strongly correlated with increased rates of mortality (all p values < 0.05, hazard ratios > 2)(Figure 2D, Figure 2 — figure supplement 1D).

Each oil used in soap making has a different saponification value which means that each oil requires a different ratio of lye to water depending on the amount and type of each oil used.

A growing body of evidence suggests that the ratio of 5α - DHT to 3β - adiol may much more important than their absolute values.22, 23,24,42 However, the ratio of 3β - adiol: (5a DHT + 3α - adiol) may be even more useful since 3α - adiol serves as a «reservoir» which re-cycles back to 5α - DHT.23

Unless I was reading it wrong, there was no significant difference between baseline and 8 wk values for TGs, total and LDL cholesterol, but there was a significant increase of HDL by 8 weeks which would decrease the LDL: HDL and TC: HDL ratios.

The metabolic effects of a ketogenic diet imply a higher - than - usual oxidation of fats, which leads in turn to reduced respiratory exchange ratio values.20, 97 Metabolic carbon dioxide output may be calculated as the product of alveolar ventilation multiplied by the fractional alveolar carbon dioxide concentration.

To my eyes, Dr Baker's cholesterol values are fairly unremarkable other than to note that his TG: HDL ratio is 1.3 (which is good) and his total cholesterol: HDL is 4.6 which is OK.

Ratios, equations, graphs and tables of values for 5 different relationships, 4 of which are directly proportional.

I then take the ratio of the value of the pension benefit to lifetime earnings, which is the gross pension benefit rate.

There's a super-sporty, great - handling 197 - horsepower Fiesta ST, which is a different kind of value hatchback offering a high giggle - per - dollar ratio.

The first is the Price to Book Value ratio, which is literally calculated as market price per common share divided by book value per common sValue ratio, which is literally calculated as market price per common share divided by book value per common svalue per common share.

The Chase Sapphire Reserve ℠ allows you to transfer points to some airlines and hotels, including British Airways, United, and Hyatt, at a 1:1 ratio, which could help you earn even more value for your points.

The loan to value ratio depends on upon the size of the down payment (which we already addressed above).