...E-Loan ??? - 500 Beiträge pro Seite

[Color01]

...was soll ich tun - verkaufen - halten??? Alle Analysen, Empfehlungen und Meldungen steinalt. Gelingt Turnaround oder geht E-Loan das Cash aus???

[minkacat]

Tja mein Guter,
wenn Dir nichts mehr hilft....
probier`s mal mit dem Chart und kehr die Analystenempfehlungen einfach
unter den Tisch!
E-Loan ist in einem permanenten Abwärtstrendkanal.
Eine Bodenbildung ist noch nicht in Sicht!!
Ich würde bei 5 € einen Großteil der Bestände verkaufen und den
Rest bei 4,50 limitieren!!

MfG

[Color01]

Bin mitten im Abwärtstrend (8,10) eingestiegen mit der Hoffnung auf kurze Erholung. Das Tief lag bei 3,90. Denke das mittlerweile ein Boden zwischen 4,50 und 4,80 gefunden ist. Gewinnwarnung wurde noch keine pupliziert. Kann nur auf positive Meldungen hoffen. Werde aber über deinen Ratschlag, bei 5,00 Positionen abzubauen, intensiv nachdenken!!! Danke.

Cr.

[Poweruser]

Ich würde die Aktien halten bzw. nachkaufen. Das Unternehmen ist auch in Europa stark im kommen. Schaut mal auf die deutsche Homepage. Haben die günstigsten Baufi-Zinsen weit und breit.

und dann noch das:
E-LOAN Unveils E-LOAN Express: the Fastest, Easiest Mortgage On the Web
DUBLIN, Calif.--(BUSINESS WIRE)--July 11, 2000--


E-LOAN Dramatically Improves the Mortgage Loan Approval and Closing Processes by Eliminating Unnecessary Steps and Documentation Requirements

E-LOAN (Nasdaq:EELN) (www.eloan.com), the leading online lending company, today unveiled E-LOAN Express, a faster, easier mortgage product that dramatically improves the customer experience by eliminating unnecessary steps, costs and documentation requirements. E-LOAN Express is the only product of its kind available on the Web, and unlike similar products available off-line, does not require customers to pay more for the added convenience and speed.

With the introduction of E-LOAN Express, E-LOAN continues to improve the mortgage process by making it simpler, faster and less costly for consumers to get a loan. Instead of having to produce mounds of documents that typical mortgage products require, most qualified applicants need only provide a bank statement verifying available funds to cover the down payment and costs to close. And instead of requiring borrowers to dig up W-2`s and tax returns, E-LOAN Express customers enjoy the convenience of having their personal loan consultant obtain verbal employment and salary verification. The hassle and costs associated with a comprehensive appraisal are also eliminated through E-LOAN`s automated underwriting system, which satisfies the appraisal requirement via its convenient and non-intrusive "drive-by appraisal" procedure.

"E-LOAN is constantly searching for ways to make getting a mortgage an easier and more streamlined process for the consumer," said Cameron King, senior vice president of Mortgage Operations for E-LOAN. "By removing the unnecessary steps and additional costs from the loan process, E-LOAN Express brings consumers one step closer to realizing the benefits and convenience of a paper-free loan experience."

By clicking on the E-LOAN Express button prominently featured on the home page, people can complete an application in less than 20 minutes. Once their application is submitted, a personal loan consultant is instantly assigned and responds to the applicant with a decision in approximately one hour.(1) Once approved, the applicant needs only to fax in a bank statement verifying proof of down payment and costs to close and return signed opening documents. E-LOAN does the rest -- employment and salary verification and drive by appraisal arrangements, making this the simplest way to get a loan online.

About E-LOAN, Inc.


E-LOAN, Inc., a leading online lending company, offers consumer loans and debt management services at www.eloan.com. E-LOAN has reinvented the consumer loan process by offering a broad choice of products from many lenders for mortgages, home equity loans, auto loans, credit cards and small business loans in a secure online environment, combined with comprehensive personal service from dedicated loan consultants. E-LOAN`s customers enjoy substantial savings and strong privacy safeguards. In 1999, E-LOAN closed over $1.5 billion in consumer loans. The company`s loan processing centers are located in Dublin, CA and Jacksonville, FL. E-LOAN, Inc. is publicly traded on the Nasdaq system under the symbol EELN.

This news release contains forward-looking statements based on current expectations that involve risks and uncertainties. E-LOAN, Inc. actual results may differ from the results described in the forward-looking statements. Factors that could cause actual results to differ include, but are not limited to, general conditions in the mortgage industry, interest rate fluctuations, and the impact of competitive products. These and other risk factors are detailed in E-LOAN Inc.`s periodic reports and registration statements filed with the Securities and Exchange Commission. (1) Assumes that the customer applied during E-LOAN`s extensive business hours, which are Monday through Friday, 5am to 8pm PDT and Saturday through Sunday, 6am to 6pm PDT, and satisfies appropriate underwriting guidelines for salaried employees.

CONTACT: E-LOAN, Inc.
Tiffany Kelley, 925/560-2614
[e-mail]
or
Cosmo Public Relations, Inc.
Laurie Logan, 415/664-8455
[e-mail]

Copyright 2000, Business Wire. All of the releases provided by Business Wire are protected by copyright and other applicable laws, treaties and conventions. Information contained in the releases is furnished by Business Wire`s members, who are solely responsible for their content, accuracy and originality. All reproduction, other than for an individual user`s reference, is prohibited without prior written permission.
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[hausierer]

Wieso geht diese Aktie seit Tagen ab wie die Feuerwehr ?
Und E-Net (Konkurenz)dümpelt hinterher ?
E-Net wurde im Frühjahr mal als heisser Tip empfohlen.

[hausierer]

E-Loan rennt schon wieder wie die Feuerwehr !
Ich bin in E-Net investiert.
E-net vertreibt unter anderem Hypothekenzinsen übers Internet.
Sollten die Zinsen weiter fallen, dann wird auch wieder gebaut.

[_KnechtRuprecht]

e-net dümpelt hinterher?
kursplus heute 80%
die geht doch ab wie schidtsens katze

[Nissie]

ist denn hier keiner mehr investiert und freut sich über den unaufhaltsamen kursanstieg.wenn ich doch nur die hintergründe dazu erfahren könnte. wer hilft mir?

[Nissie]

Der Marsch nach Norden geht weiter. Weiß jemand näheres?
Nissie

[Eloan]

E-LOAN, INC.


Date: October 10, 2001 By: /s/ Matthew Roberts
---------------- --------------------------------------------
Matthew Roberts
Chief Financial Officer








EXHIBIT 99.1

FOR IMMEDIATE RELEASE

E-LOAN, INC. REPORTS PRO FORMA PROFITABILITY AND POSITIVE
CASH-FLOW FOR THIRD QUARTER 2001

Reports Record Revenues; Achieves Record Mortgage And Home Equity Direct Margin;
Purchase Mortgage Business Up 65%; Cash Balance Increases To $27.2 Million

Dublin, Calif. - Oct. 9, 2001 - E-LOAN, Inc. (Nasdaq: EELN), (www.eloan.com), a leading
online lending company, today reported that it achieved pro forma profitability and positive
cash-flow from operations for the first time in the third quarter ended September 30, 2001.

Revenues for the third quarter of 2001 were $16.9 million, up 88 percent from the $9.0 million
reported in the third quarter of 2000. Pro forma net income for the third quarter of 2001 was
$0.3 million or $0.01 per share on 53.8 million shares, compared with a pro forma net loss of
($8.5) million or ($0.16) per share on 52.9 million shares during the third quarter of 2000. These
results are $0.06 per share better than the First Call consensus estimate.

"We`re extremely pleased to report pro forma profitability a quarter ahead of our most recent
forecast and nine quarters ahead of our forecast at the time of our IPO," said Chris Larsen,
E-LOAN`s Chairman and CEO. "Our performance demonstrates the strength of our business
model and affirms that like other financial services, consumer loans are perfectly suited for the
Internet. The strong growth in our purchase mortgage business - up 65 percent from last quarter
- is particularly exciting: it`s further evidence that consumers are embracing and more willing than
ever to trust the E-LOAN brand."

"The combination of record direct margin and record low customer acquisition costs represents
the cornerstone of a highly profitable business," said Matt Roberts, E-LOAN`s CFO. "As we
continue to refine and build upon our low-cost producer strategy via systems and technology
enhancements and marketing efficiencies, the overall customer experience improves while our
costs continue to decline. For example, our customer acquisition costs have fallen to 21 percent
of revenue - well below our original target 30 percent - while at the same time the number of
E-LOAN customers who would recommend E-LOAN to a friend has grown to 90 percent."

Pro forma results exclude compensation charges related to the company`s stock option plan,
amortization of goodwill on the acquisition of CarFinance.com, and amortization of marketing
costs related to warrants to purchase the Company`s common stock in connection with a
marketing agreement. The amortization of marketing costs and goodwill concluded in the second
and third quarters of 2001, respectively.

Q3`01 Loan Volume

In the third quarter, E-LOAN sold 11,225 loans for a total dollar volume of $907.1 million. Of
that total, 3,343 were mortgage loans for a total dollar volume of $702.3 million. E-LOAN sold
6,117 auto loans for a total dollar volume of $117.3 million. Also in the third quarter, E-LOAN
sold 1,765 home equity loans for a total dollar volume of approximately $87.4 million.

Discussion of Q3`01 Results

E-LOAN`s revenues are primarily from mortgage, auto, and home equity loans that are funded
and sold on the secondary market, as well as loans that are brokered or referred out to third
party sources.

Of the total revenue, $10.2 million or 61 percent was non-interest mortgage related, $1.7 million
or 10 percent was auto related, $3.0 million or 18 percent was interest income on mortgage and
home equity loans, $1.7 million or 10 percent was non-interest home equity related and $0.2
million or 1 percent was from other sources, principally credit card and small business loan
partnerships.

Operations expenses - the fixed and variable costs of processing loan transactions - totaled
$10.2 million or 60 percent of revenue in the third quarter compared to $8.4 million or 94
percent of revenue in the same period last year.

Of total operations expenses, $4.9 million was non-interest mortgage related expense, $2.1
million was auto-related expense, $2.1 million was interest expense on mortgage and home
equity loans, and $1.0 million was non-interest home equity related.

Direct operating margin is defined as revenue minus variable and fixed operations expense.
Mortgage direct margin excluding interest totaled $5.3 million or 52 percent of mortgage revenue
excluding interest. This represents an improvement to the 41 percent direct margin reported in
the prior quarter. Home equity direct margin totaled $0.7 million or 42 percent of home equity
revenue excluding interest. This represents an improvement to the 21 percent direct margin
reported in the prior quarter. Auto direct margin was a loss of $0.4 million.

Cash marketing expenses totaled $3.6 million or 21 percent of revenue in the third quarter
compared to $6.3 million or 70 percent of revenue for the same period last year.

Technology expenses were $1.5 million or 9 percent of revenue in the third quarter compared to
$1.7 million or 18 percent of revenue for the same period last year.

General and administrative expenses were $1.4 million or 8 percent of revenue in the third
quarter compared to $1.5 million or 17 percent of revenue for the same period last year.

Total assets at the end of the quarter were $80.3 million, which includes cash and cash
equivalents of $27.2 million of which $4.5 million is restricted, and loans held for sale of $33.2
million.

Total liabilities at the end of the quarter were $45.4 million and included $31.1 million in
borrowings related to mortgage, home equity and auto loans held for sale. Total stockholders`
equity at the end of the quarter was $34.9 million.

Financial Guidance

The following statements are based on E-LOAN`s current expectations as of October 9, 2001.
These statements are forward-looking statements and actual results may differ materially. The
company assumes no duty to update any forward-looking statements in this press release. A
discussion concerning forward-looking statements and potential risks and uncertainties that may
affect these statements is included at the end of this press release and in the Annual Report on
Form 10-K filed with the Securities and Exchange Commission.

2001 Guidance

The key assumptions supporting our July 26, 2001 guidance were that both the interest rate
environment would remain favorable and that the current high level of auto manufacturer cut rate
financing would continue through the remainder of the year. We now expect both of these
assumptions to continue through Q1 2002.

Based primarily on continued strength in the mortgage business, we are increasing our revenue
guidance to $18 million for Q4 - a 10 percent increase over prior guidance of $16.5 million.
Therefore, we anticipate our total revenue will increase to approximately $66.4 million in the year
2001 - an 85 percent increase over the prior year`s results.

Our expected revenue mix for the year 2001 will be approximately: 56 percent non-interest
mortgage; 16 percent auto; 18 percent interest income, 8 percent non-interest home equity; and
the remaining 2 percent related to credit card and other revenue.

Based on the strength of improved overall direct margin and customer acquisition efficiency - as
demonstrated in our Q3 results - we expect a pro-forma operating profit of $1 million in Q4, an
increase from our prior pro-forma break even guidance in Q4.

Total pro-forma operating loss for the year 2001 is therefore expected to be approximately $4
million, representing a 49 percent improvement to our earlier guidance of $7.8 million.

We expect our Q4 marketing spend to be approximately $4 million. Technology and General
and Administrative expenses are expected to remain relatively constant at Q3 2001 levels. The
non-cash compensation charge will be approximately $1 million in Q4 2001. Weighted average
shares outstanding should grow moderately throughout 2001 to approximately 54 million shares.

2002 Guidance

Based on the assumptions discussed earlier, we expect total revenue to grow to between $85 to
$90 million and pro-forma operating income of between $8 to $11 million. The weighted
average shares outstanding should grow moderately throughout 2002 to approximately 55 million
shares. The non-cash compensation charge continues at approximately $500,000 per quarter in
2002. Therefore the difference between pro-forma and GAAP earnings narrows to
approximately $0.01 per share throughout 2002.

We will provide more detail regarding our 2002 guidance as part of the Q4 conference call.

Conference Call

E-LOAN will make its third quarter conference call available to the general public. The call,
hosted by Chris Larsen, Chairman and CEO of E-LOAN, can be accessed by dialing
312-470-7004 at 5:00 a.m. (PDT) today, Tuesday, October 9. You will need to reference the
pass code "E-LOAN." A live webcast of the conference call will also be available via the
investor relations section of the company`s website at www.eloan.com. The replay will be
available beginning today until Wednesday, October 17. You may access the replay by dialing
402-998-1783.

This news release contains forward-looking statements based on current expectations that
involve risks and uncertainties. E-LOAN`s actual results may differ from the results described in
the forward-looking statements. Factors that could cause actual results to differ include, but are
not limited to, general conditions in the mortgage and auto industries, interest rate fluctuations,
and the impact of competitive products. These and other risk factors are detailed in E-LOAN`s
periodic filings with the Securities and Exchange Commission.

About E-LOAN, Inc.

E-LOAN, Inc., a leading online lending company, offers consumer loans and debt management
services online at www.eloan.com. E-LOAN has reinvented the consumer loan process by
offering a broad choice of products from many lenders for mortgages, home equity loans, auto
loans, education loans, credit cards and small business loans in a secure online environment,
combined with comprehensive personal service from dedicated loan consultants. Through the
third quarter of 2001, E-LOAN originated over $6.4 billion in consumer loans. The company`s
loan processing centers are located in Dublin, CA and Jacksonville, FL. E-LOAN, Inc. is
publicly traded on the Nasdaq system under the symbol EELN.


E-LOAN, Inc.
Statement of Operations
(in thousands, except per share amounts)



Three Months Ended Nine Months Ended
September 30, September 30, September 30, September 30,
2001 2000 2001 2000
----------------- --------------- ------------------- --------------

Revenues $ 16,862 $ 8,966 $ 48,435 $ 24,563

Operating Expenses
Operations 10,181 8,442 32,361 22,448
Sales & marketing 3,616 6,295 12,426 23,026
Technology 1,461 1,650 4,924 4,479
General & administration 1,380 1,548 4,143 5,290
Non-cash marketing costs - 2,985 5,970 3,504
Amortization of unearned compensation 1,045 1,723 2,323 8,109
Amortization of acquired intangibles 8,278 9,933 28,145 29,800
and goodwill ------------- ---------------- ------------------- ---------------

Total operating expenses 25,961 32,576 90,292 96,656
------------- ---------------- ------------------- ---------------

Loss from operations (9,099) (23,610) (41,857) (72,093)

Other income, net 88 486 409 1,075
------------- ---------------- ------------------- ---------------

Net loss $ (9,011) $ (23,124) $ (41,448) $ (71,018)
============= ================ =================== ===============

Pro forma net loss (1) $ 312 $ (8,483) $ (5,010) $ (29,605)
============== ================ =================== ===============

Pro forma net loss per share: (2)

Basic and diluted loss per share $ 0.01 $ (0.16) $ (0.09) $ (0.64)
============= ================ =================== ===============

Weighted average shares basic and diluted 53,830 52,949 53,746 46,291
============= ================ =================== ===============