If I were to bottom fish for a financial stock I would be more apt to pick a regional bank where the real estate market is not depreciating but do you have the ability to know all of the variables in your decision?
I am not the type to follow the herd but that is why MA and V has done so well in this market. Those companies are not subject to credit risk.
The stocks in the pawn shop industry has corrected some on rumors of detrimental legislation in some jurisdictions. I would be more apt to take my chances on a company that has a loan that is well secured by an undervalued asset than one that is in many cases the loan is valued much higher than the asset.
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