Sentences with phrase «value ratios in»

Those two cities also boast the nation's lowest loan - to - value ratios in the nation, 37 % in San Francisco and 46 % in Los Angeles.

When the market was hot, she explains, lenders granted exceptions to policies such as certain loan - to - value ratios in order to win business.

«Fannie Mae and Freddie Mac loans only cover 60 percent to 65 percent loan - to - value ratios in a lot of those markets.»

Mortgage lenders typically collect and pay amounts needed for paying property taxes and hazard insurance for traditional mortgage loans with loan - to value ratios in excess of 80 %, but reverse mortgages require borrowers to pay these expenses directly.

For example, regulators can lower loan - to - value ratios in response to indications of rising household sector vulnerabilities.

Meanwhile, Amur specializes in mortgages with loan - to - value ratios in the 65 % to 75 % range.

Morningstar analyst Dan Werner recently showed that the loan - to - value ratio in the Canadian market is similar American circa 2007.

Their intention is to calculate loan to value ratio in an attempt to understand just how much risk a piece of real estate carries.

Risk assessment of a property is done by calculating its value ratio in order to determine how much equity is left to the owner.

You can figure out the combined loan to value ratio in a similar way.

The purpose of having a loan - to - value ratio in a mortgage loan is to make sure that lenders do not loan money to borrowers for more than the value of the property.

«I don't see any trends pushing standards in the opposite direction,» Czajka said, adding that the average loan - to - value ratio in Preferred's $ 1.3 billion - asset commercial real estate portfolio is 56 %.

But, after three years of payments, the house would be worth $ 103,000 and the loan balance would be about $ 32,000, leaving about $ 65,000 of equity in the house, which might be enough that the lender would no longer care about having a guarantee since the roughly 31 % loan to value ratio would be so much lower than the 80 % loan to value ratio in place initially.

According to BiggerPockets» annual real - estate market review, Detroit has the second highest rent - to - value ratio in the country at just over 8.5 %.

Not exact matches

Called the «value - investment ratio,» it assesses the minimum oil price a project will need in order to throw off, far into the future, Shell's desired level of return.

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

The Healthcare Reform Law, including The Patient Protection and Affordable Care Act and The Healthcare and Education Reconciliation Act of 2010, could have a material adverse effect on Humana's results of operations, including restricting revenue, enrollment and premium growth in certain products and market segments, restricting the company's ability to expand into new markets, increasing the company's medical and operating costs by, among other things, requiring a minimum benefit ratio on insured products, lowering the company's Medicare payment rates and increasing the company's expenses associated with a non-deductible health insurance industry fee and other assessments; the company's financial position, including the company's ability to maintain the value of its goodwill; and the company's cash flows.

Since the leveraged buyout, SRC's sales have grown 40 % per year and are expected to reach $ 42 million in fiscal 1986; net operating income has risen to 11 %; the debt - to - equity ratio has been cut from 89 - to - 1 to 5.1 - to - 1; and the appraised value of a share in the company's employee stock ownership plan has increased from 10?

«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.

The forward price / earnings (PE) ratio — the price of the S&P 500 divided by the expected earnings of those S&P 500 companies — is probably the most popular way to measure value in the stock market.

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.

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.

Whether or not you choose to sell or use your tokens, the ratio between 10 years and 10 minutes to get the option of liquidity is up to a 500,000 X speedup in time, though of course any appreciation in value is likely to be larger and more sustainable over a 10 year window.

An example of this was seen during the financial crisis of 2008/09, whereby many financial institutions overleveraged themselves with debt, and as assets fell in value, the ratio of debt within the organizations became too high to be sustainable.

The overvaluation of the p / e ratio corrected itself in the 2008 - 2009 crash when Google's stock price lost so much value it obliterated most of the gains made since the IPO.

At Fiji, Robbins offered some insight into what Jones» daily email updates look like, saying, «he sends me a checklist of what we measure, everything from his NAV [net asset value] to his [portfolio] weights, what's happening in his body, to his focus, to ratios of risk - reward that we're measuring, and then he does a narrative for me.»

To give just one example, regulators can establish ceilings on mortgage loan - to - value ratios on an ongoing basis, so that any correction in housing prices is less likely to create stress for the financial system.

Even if you knew what earnings would be next year... A fair value P / E ratio of 15 makes more sense The pool of money that's sitting in cash worldwide has never been greater.

The value of your house is a key element in determining your LTV ratio.

At its current valuation of ~ $ 67 / share, HLF has a price to economic book value ratio (price - to - EBV) of 1.2 That ratio means that the market expects only 20 % growth in NOPAT for the remainder of HLF's existence.

The current 0.9 price - to - economic book value ratio (PEBV) means TEN is priced for a permanent 10 % decline in after - tax profits (NOPAT).

The average expense ratio for a mutual fund offered in a 401 (k) plan of any size was 54 basis points, a steady and significant decline from the average of 74 basis points in 2009, when the Great Recession had collapsed 401 (k) account values.

Both the Enterprise Value to Invested Capital ratio of 98 and the ROIC of 388 % in 2004 were unsustainable.

Actually, after talking to A Marriott agent last week I found out that the 3:1 ratio of points does not drops the value in any way.

Negative equity borrowers often achieved high loan - to - value ratios with subordinate liens in addition to their first lien and had higher than average debt - to - income ratios.

This gave rise to a $ US230 million write - down of the value of deferred tax assets in its North American Operations There was a further $ US700 million impairment charge on an increase in the long - term combined ratio assumption for North America.

In order to achieve this task, I will start by looking at how the stock market valued the stock over the past 10 years by looking at its PE ratio:

While the loan - to - value ratio is not the only determining factor in securing a mortgage or home equity loan or line of credit, the metric does play a substantial role in how much borrowing costs the homeowner.

And though spot commodity / equity ratios (like the ratio of the spot gold price to the XAU) are actually supportive of commodity stock prices in and of themselves, the historical tendency is for these ratios to lose some of their informative value when commodity prices themselves have run to extremes and real interest rates begin to turn.

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.

The displayed rates and APRs assume a loan amount of $ 260,000, an owner occupied single family detached home located in Pennsylvania, first time usage of VA eligibility, a loan - to - value ratio of less than 80 %, a credit score of at least 740, and a debt - to - income ratio of less than 50 %.

* Here, the implied value of bitumen is based on value parity between diluted bitumen and WCS, and a 30 % blending ratio of condensate to bitumen in a barrel of diluted bitumen, with all prices at Hardisty.

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.

Here's exhibit «A»: One of the largest mortgage insurance companies in the U.S. said it will now insure loans with a loan - to - value (LTV) ratio up to 97 %.

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.

The golden number in all profitable subscription commerce companies is the ratio between your projected lifetime value (LTV) and your customer acquisition cost (CAC).

Fannie Mae and Freddie Mac, the two mortgage - backing giants that operate in the secondary market, recently announced they would start accepting mortgage products with loan - to - value (LTV) ratios up to 97 %.

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).