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这家美国贷款抵押公司上市后,股价像“火箭”一样往上涨

这家美国贷款抵押公司上市后,股价像“火箭”一样往上涨

Jen Wieczner 2020年08月07日
截至8月6日盘中,该股最大增幅超逾26%,速度堪比“火箭”。

美国有一家企业名为“火箭公司(Rocket Companies)”,该企业由亿万富翁企业家丹·吉尔伯特创立,现为美国最大的抵押贷款机构,旗下有以零售抵押贷款为主业务的Quicken Loans以及以房屋贷款为主业务的Rocket Mortgage两家子公司。除了担任火箭公司的董事长一职外,吉尔伯特也是NBA克利夫兰骑士队的大股东。

当地时间8月6日,继火箭公司在7月向纽交所提交了IPO申请后,终于迎来了属于自己的首日交易,截至8月6日盘中,该股最大增幅超逾26%,速度堪比“火箭”。

然而这支以“RKT”为交易代码的“火箭”在发射时的前几秒也一度颠簸不堪。早前,火箭公司原计划的IPO 的招股范围在20 至22 美元/股左右,但该公司在本周三最终宣布的定价只有每股18美元。更令人意想不到的是,在交易开始的最初几个小时内,该股股价甚至跌到了17.5美元/股。

随后,该股开始重新缓慢上涨,午后突然飙升至22.76美元,最后小幅回落,整体收涨近20%,成功募资18亿美元。

2015年,子公司Qicken Loans推出了自己的在线抵押贷款平台,寻找到了一种以B2C模式为基础的新型贷款方式。凭借该项业务,Qicken Loans在近几年完成了飞速成长。即便是在疫情之下,火箭公司的业绩也依然保持着持续增长的趋势。据该公司2020年Q2财报,第二季度,火箭公司共计发放了723亿美元贷款,较第一季度增长了40%,达到了去年同期的两倍有余。

回看去年一整年,火箭公司的总营收达到了51亿美元,净收入超逾8.92亿美元。火箭公司在去年披露的财报中预测,这一数字在2020年至少会增长四倍。

不过,在今年7月提交的IPO申请文件中,火箭公司并不再如此信心满满,而是警告称,疫情有可能会打乱自己的脚步。“目前,房屋销售已经开始放缓,未来的增长也不确定,”该公司在文件中写道,“如果疫情迟迟不散,经济持续低迷、失业率又居高不下的话,房地产交易量势必会继续下降。任何程度的经济放缓都可能大大削弱消费者的抵押调款需求。”(188金宝搏 下载)

编译:陈怡轩

美国有一家企业名为“火箭公司(Rocket Companies)”,该企业由亿万富翁企业家丹·吉尔伯特创立,现为美国最大的抵押贷款机构,旗下有以零售抵押贷款为主业务的Quicken Loans以及以房屋贷款为主业务的Rocket Mortgage两家子公司。除了担任火箭公司的董事长一职外,吉尔伯特也是NBA克利夫兰骑士队的大股东。

当地时间8月6日,继火箭公司在7月向纽交所提交了IPO申请后,终于迎来了属于自己的首日交易,截至8月6日盘中,该股最大增幅超逾26%,速度堪比“火箭”。

然而这支以“RKT”为交易代码的“火箭”在发射时的前几秒也一度颠簸不堪。早前,火箭公司原计划的IPO 的招股范围在20 至22 美元/股左右,但该公司在本周三最终宣布的定价只有每股18美元。更令人意想不到的是,在交易开始的最初几个小时内,该股股价甚至跌到了17.5美元/股。

随后,该股开始重新缓慢上涨,午后突然飙升至22.76美元,最后小幅回落,整体收涨近20%,成功募资18亿美元。

2015年,子公司Qicken Loans推出了自己的在线抵押贷款平台,寻找到了一种以B2C模式为基础的新型贷款方式。凭借该项业务,Qicken Loans在近几年完成了飞速成长。即便是在疫情之下,火箭公司的业绩也依然保持着持续增长的趋势。据该公司2020年Q2财报,第二季度,火箭公司共计发放了723亿美元贷款,较第一季度增长了40%,达到了去年同期的两倍有余。

回看去年一整年,火箭公司的总营收达到了51亿美元,净收入超逾8.92亿美元。火箭公司在去年披露的财报中预测,这一数字在2020年至少会增长四倍。

不过,在今年7月提交的IPO申请文件中,火箭公司并不再如此信心满满,而是警告称,疫情有可能会打乱自己的脚步。“目前,房屋销售已经开始放缓,未来的增长也不确定,”该公司在文件中写道,“如果疫情迟迟不散,经济持续低迷、失业率又居高不下的话,房地产交易量势必会继续下降。任何程度的经济放缓都可能大大削弱消费者的抵押调款需求。”(188金宝搏 下载)

编译:陈怡轩

Shares of Rocket Companies, the parent of Quicken Loans and Rocket Mortgage, rose as much as 26% Thursday afternoon on its first day of stock market trading. The company was founded by Dan Gilbert, a billionaire entrepreneur who remains Rocket Companies' chairman and is also the majority owner of the Cleveland Cavaliers basketball team.

The stock's debut, however, was more rocky than rocket: After Rocket Companies priced its initial public offering at $18 a share Wednesday—below the expected range of $20 to $22 a share—the fintech conglomerate's stock initially sank as low as $17.50 when it began trading late in the morning.

After rising slowly after that, Rocket Companies stock, trading under the ticker symbol "RKT" on the NYSE, surged as high as $22.76 a share in the mid-afternoon, only to quickly give back some of those gains, closing up nearly 20%. The IPO raised $1.8 billion for the Detroit-based company whose subsidiary Quicken Loans is now the largest mortgage lender in the U.S.

In 2015, Quicken Loans launched Rocket Mortgage, an online mortgage application platform that has helped fuel the company's growth, particularly in direct-to-consumer loans. Even as the economy has suffered during the coronavirus pandemic, Rocket Companies has continued to grow, originating $72.3 billion in loans in the second quarter of 2020, up 40% from the first three months of the year, and more than double the amount during that period in 2019.

In 2019, Rocket Companies made more than $5.1 billion in revenues, a figure the firm expects to at least quadruple in 2020, according to its financial disclosures. Last year, the company had more than $892 million in net income.

In its IPO documents, the company warned that the COVID-19 crisis could dampen that trajectory. "Home sales have slowed, and future growth is uncertain," the company wrote in its disclosures. "If the COVID-19 pandemic leads to a prolonged economic downturn with sustained high unemployment rates, we anticipate that real estate transactions will continue to decrease. Any such slowdown may materially decrease the number and volume of mortgages we originate."

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