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Investment Q&A

Not investment advice or solicitation to buy/sell securities. Do your own due diligence and/or consult an advisor.

Q: Thanks for the update on GSY.

I like the valuation, growth rate, management stake and conservatism. My main concern is whether they are chasing loan book growth during a period where Canadian personal balance sheets continue to deteriorate. In an unfortunate scenario of net charge-offs rising through their B/E charge-off rate of 24.6%, how quickly could their funding dry up? Does this name have a large short base from the short Canadian Financials camp out of the U.S.?

Do you know the breakdown between secured and unsecured loans within easyfinancial’s $1.03 billion loan portfolio? For the secured portion, what type of collateral do they typically receive?

Thank you very much!
Read Answer Asked by Angus on December 18, 2019
Q: Both of these companies are up significantly over the past year. Could you highlight what your rationale is for purchasing at these levels, and valuations. I am thinking of acquiring both, but want to understand more clearly.
Will there be a report update in near future for CSU?
Read Answer Asked by Steven on December 18, 2019
Q: Hi there, it looks like ENGH recently had a blowout quarter. In your perspective, is this the turning point for the stock performance? It seems like it has lagged versus other Canadian tech stocks over the past few years. Would you start a position based on the recent strength and relative to other Canadian tech names, where would you rank Enghouse? Thank you!
Read Answer Asked by Michael on December 17, 2019
Q: Hi, I understand, Boyd units will be converted to a corp, as at Jan 2, 2020. Capital gains will need to be reported(Tax Tear 2020) for a Non Regd account, based on the closing price of Dec/31/2019 ( I think). Most of our BYD.un (6% of portfolio) is held in Non Regd account and it will generate a huge Capital Gain. Two questions:
1. Based on the RRSP/TFSA contribution room available, will it make sense to move some shares to registered accounts for future growth.
2. The only tax loss shares we have are, BAD, AW.un and Rogers. Which ones should be used to offset gains ?

Thank You
Read Answer Asked by rajeev on December 17, 2019
Q: Any ideas why COV jumped up 18% today? I know it is low volume but I have been holding it for a while thinking that It was being unfairly judged by circumstance. I am still holding it because I have sold stocks in the past just before they jumped up, sometimes I have sold stock the day before they jumped up 25 to 30%. i.e. I sold CSU a few years back because it had gone up to $135.00 per share. I panicked thinking that a 30% profit should be taken. Lesson learned.
Read Answer Asked by Bryan on December 16, 2019
Q: Good afternoon,
I would like your take (pros and cons) on the following please. I have owned Sylogist for some time, am comfortable with SYZ and familiar with it's trading pattern. The position is in my TFSA and after trimming at the top is still at these levels up approx 50% on the balance.
I am thinking of moving it into my cash account and with the current yield treating it like an income stock with some growth potential. I would also top it up SYZ to a 2.5% position.
I would then replace the value in my TFSA when making my 2020 contribution with the intent of purchasing a more “hopefully” growthy”stock.
I hope this is not too much like asking for personal advice.
Thank you for your input.
Brian
Read Answer Asked by Brian on December 16, 2019
Q: Why is NFI considered a Consumer Cyclical and SIS considered an Industrial? I might almost see them the other way around since consumer purchases of SIS's products would seem somewhat cyclical according to the propensity of individuals to make major commitments to their lines of products. Purchases of NFI's products would be driven by municipal budgets which might be more stable in good and bad times.
Read Answer Asked by Geoffrey on December 16, 2019
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