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The 10 Most Recent Messages By XMFValueMagnet

Take me back to where I was.
  • Date: 10/31/13 7:16 PM
  • Number: 402316
  • Recommendations: 0

Valyooo - NIM is calculated before leverage. If you pay 3% on assets, lend at 4%, then your net interest margin should be 1%.


  • Date: 3/5/18 6:25 AM
  • Number: 603
  • Recommendations: 1
Re: Ownership.

I don't own many stocks, but I own a lot of stock. Funds aren't listed in my profile, but you can safely assume I have plenty of stock market exposure with funds, and likely own some SAFT indirectly through those (I
  • Date: 3/4/18 6:46 PM
  • Number: 601
  • Recommendations: 3
Another way to think about this is just to look at SAFT over multi-year periods, adding up all of its earned premiums, losses, and expenses to find its combined ratio over the long haul.

Over the last 5 years, SAFT's loss ratio was
  • Date: 3/4/18 6:26 PM
  • Number: 600
  • Recommendations: 4
Jordan Wathen here.

My read is that the $11.7 million related to reinsurance ran through loss expenses, so it has the effect of reducing SAFT's pre-tax earnings by $11.7 million.

It affected actual earnings this
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Take me back to where I was.
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