E Loan - Ein Invest wert ? - 500 Beiträge pro Seite

[hulot]

Guten Abend,

war vor ewigen Zeiten mal investiert und habe aus Nostalgie
mir den Chart angeschaut.
Finde ihn sehr interessant. Auf der Suche nach aktuellen NEWS bin ich allerdings nicht fündig geworden.
Wer weiß was ?

Ich denke, dass E Loan sich wieder auf den Weg machen könnte zu Kursen wie im Juli 2003 und das wäre dann ein Verdoppler zum heutigen Niveau.
Die Richtung stimmt zur Zeit.

Letze News aus Oktober 2003 bei W:O

E-loan: Aktie verliert nach Quartalszahlen 10 Prozent
Die E-loan Inc., ein amerikanischer Online-Kredit-Anbieter, hat seine Ergebnisse für das abgelaufene dritte Quartal vorgelegt und die Erwartungen der Analysten übertroffen.

Während Analysten einen Gewinn von 10 Cents je Aktie erwarteten, meldete das Unternehmen einen Überschuss von 8,0 Mio. Dollar oder 12 Cents je Aktie nach einem Plus von 3,1 Mio. Dollar oder 5 Cents je Aktie im Vorjahreszeitraum. Der Umsatz stieg um 54 Prozent auf 43,8 Mio. Dollar.

Für das Gesamtjahr rechnet das Unternehmen mit einem Gewinn von 22 Mio. Dollar oder 34 Cents je Aktie bei Umsätzen von 159 Mio. Dollar. Analysten erwarten für diesen Zeitraum einen Gewinn von 37 Cents je Aktie.

Aktuell verliert die Aktie 10,4 Prozent auf 3,50 Dollar.

**************************************
Bleibt der Turnus, dürften die Zahlen 2003 in 2 Wochen
fällig sein.
Also EINSTEIGEN??

Gruß hulot

[benefactor [KommA]]

Revenues

12 Months Ending 12/31/1998 6.8 Mio.$
12 Months Ending 12/31/1999 22.1 Mio.$
12 Months Ending 12/31/2000 35.9 Mio.$
12 Months Ending 12/31/2001 68.0 Mio.$
12 Months Ending 12/31/2002 103.3 Mio.$


Revenues (Units in Thousands of U.S. Dollars $)

Quarter 2002 2003
Q1 20,766 35,989
Q2 20,986 45,883
Q3 28,437 43,776
Q4 33,099 --

Earnings Per Share (Units in U.S. Dollars $)

Quarter 2002 2003
Q1 0.03 0.10
Q2 0.02 0.12
Q3 0.05 0.12
Q4 0.08 --

[hulot]

Hallo benefactor,

ich danke für die prompte reaktion und finde in der
addition der eingestellten zahlen eigentlich nur positives.
ich halte es für einen versuch wert

weißt du, wann die zahlen genau kommen?

gruß-hulot

[hulot]

Hy,
Zahlen für 2003 kommen am 29.01.2004 !

Gruß-hulot

[benefactor [KommA]]

Bei E-Loan sind ganz klar Shorter am Werk.
Das ist nicht aus der Luft gegriffen.

Außerdem ist der Outlook für 2004 eher enttäuschend.

E-LOAN, Inc. Issues FY 2004 Outlook
2003 Oct 23 7:03 AM

E-LOAN, Inc. announced that it expects fiscal 2004 revenues of approximately $160 million with earnings of approximately $0.23 per share. According to Reuters Research, analysts expect the Company to earn $0.28 per share on revenues of $159.8 million in the same period.

Allerdings setzt E-Loan die Erwartungen jedesmal recht niedrig an um diese zu übertreffen, um somit positiv zu überraschen.

100% Kursgewinn sind langfristig auf jeden Fall drin.

[hulot]

@ benefactor,

vielen Dank für die Einschätzung.
Sicher ist es ein Volatiles Schätzchen, was man sich ins Depot holt, aber ich das war schon immer so.

Für alle anderen, die es interessiert.
Info von E-Loan 08.01.2004:

E-LOAN To Report Fourth Quarter Earnings and Host Conference Call on January 29


DUBLIN, Calif., Jan. 8 /PRNewswire-FirstCall/ -- E-LOAN, Inc. (Nasdaq: EELN), a consumer direct lender and debt management advisor, will report its fourth quarter 2003 financial results on Thursday, January 29, 2004 before the market opens and host a live conference call and webcast on the same day at 7:30 a.m. PT. E-LOAN will make its earnings conference call and webcast available to the general public.

The call, hosted by Chris Larsen, Chairman and CEO of E-LOAN, can be accessed by dialing 210-234-0002 and referencing the pass code "E-LOAN." A live webcast of the conference call and an accompanying slide presentation will be available via the investor relations section of the company`s website at www.eloan.com.

A replay of the call and webcast will be available after 9:00 a.m. PT on January 29, 2004 until 6:00 p.m. PT on February 5, 2004. The replay of the call may be accessed by dialing 402-220-4739.

About E-LOAN

E-LOAN, Inc. is a consumer direct lender and debt management advisor dedicated to providing borrowers across the credit spectrum with a more enjoyable and affordable way to obtain mortgage, auto and home equity loans. By making credit scores freely available to consumers and integrating them with a suite of sophisticated advice tools, E-LOAN is pioneering the nascent debt management advice category -- helping consumers proactively manage their loan portfolios to lower their overall borrowing costs. The company relentlessly advocates eliminating the dumb processes, fees, hassle, haggle and lack of transparency traditionally associated with the consumer loan experience. Protecting consumers` financial privacy is a paramount concern, prompting E-LOAN to implement industry leading privacy practices and join hands with consumer groups in an effort to enact strong consumer financial privacy protection laws.

Consumers can log onto www.eloan.com or call 1-888-E-LOAN-22 to access E-LOAN`s products, services and team of dedicated loan and debt advice professionals. E-LOAN, Inc., which has delivered eight consecutive profitable quarters through the third quarter of 2003, is publicly traded on the Nasdaq National Market under the symbol EELN. From inception through September 2003, E-LOAN has originated and sold over $17.8 billion in consumer loans.

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.

SOURCE E-LOAN, Inc.

hulot

[hulot]

Hallo,

die 2,8-3$ scheinen ein interessanter Bereich zu sein, mit dem sich die weitere Richtung entscheidet.
Gestern war die Nasdaq positiv, mal sehen wie sich der E-Loan verhält, wenn sie ins Minus dreht bzw. schließt.
Im Moment in Frankfurt Eröffnung mit 2,49€ / + 8,26% !!

Nice Day-hulot

[hulot]

Fein !!
Die Kurse in den USA im Minus und E-Loan ordentlich im Plus !
Hoffentlich bleibt das so !!
Geht noch mehr....
hulot

[benefactor [KommA]]

E-Loan wird wieder nach unten gezogen. Die Fake Verkaufaufträge kömmen wieder wie immer über Instinet und Arcipelago rein. Solage E-Loan noch so heftig manipuliert wird kann sie nicht steigen.
Die Orders stehen mal wieder 10-20 cents über dem aktuellen Kurs und sind extrem hoch (40000-90000 Aktien). Sobald diese Ärsche auftauchen ist die Party vorbei.

[benefactor [KommA]]

Jetzt haben sie sich verzogen. War der Kaufdruck doch zu stark aber ich glaube die geben sich nicht so schnell geschlagen. Die werden noch ein paar Angriffe starten.

[hulot]

Guten Morgen benefactor,
wo holst Du Dir die Daten her ?
Deine Postings lesen sich wie Live-Radio .

Laut WO schoß E-Loan nur mit 0,06 $ im Plus. Kurz vor knapp hatte ich noch über 5 % PLUS gesehen.
Das was Du schilderst ist wohl Realität.-Leider!
Nice Day-hulot

[hulot]

Moin,

ein paar Tage auf Beobachtung. Erstaunlich, mit was für
einer Macht der Kurs nach einem schönem Anstieg wieder auf
die 3 $ zurück gedrückt wird.
benefactor, da sind wirklich ein paar massive Kräfte am Werk !
Gruß-hulot

[hulot]

Guten Morgen,

Kurze Zusammenfassung der Woche:

Zwischen 3$ und 3,30$ ist die letzte Woche verlaufen. Der
Durchbruch könnte m.E. dann gelingen, wenn nachhaltig die
3,50$ geknackt werden.
Bin gespannt, ob im Hinblick auf den näher heranrückenden
Termin (29.01. Zahlen 03) dies gelingt.
Kleiner Erfolg: die 3$ wurden nicht nach unten durchbrochen.

Grüße-hulot

[hulot]

Endlich scheint dieser Tunnel 3,00$ - 3,30 $ durchbrochen...
Jetzt bitte ab zur 4$ und dann.....
Alles schon Aufregung wegen der Zahlen nächster Woche...


Hoffentlich sind die so gut, dass wieder mehr ein Augenmerk auf diesen Wert gerichtet wird.
hulot

[benefactor [KommA]]

Thomson I-Watch

[hulot]

Heutige Pressinfo, nichts Neues:

Webcast Alert: E-LOAN Q4 2003 Earnings Conference Call


DUBLIN, Calif., Jan. 22 /PRNewswire-FirstCall/ -- E-LOAN, Inc. (Nasdaq: EELN) announces the following Webcast:

What: E-LOAN Q4 2003 Earnings Conference Call

When: 01/29/04 @ 10:30 a.m. Eastern

Where: http://www.firstcallevents.com/service/ajwz396118145gf12.htm…

How: Live over the Internet -- Simply log on to the web at the
address above.

Contact: Tiffany Fox
Public Relations
925-560-2614
[e-mail]


If you are unable to participate during the live webcast, the call will be archived at http://www.eloan.com .

About E-LOAN, Inc.

E-LOAN, Inc. is a consumer direct lender and debt advisor dedicated to providing borrowers across the credit spectrum with a more enjoyable and affordable way to obtain home purchase, refinance, home equity and auto loans.
By making credit scores freely available to consumers and integrating them with a suite of sophisticated tools, E-LOAN is pioneering debt advice -- helping consumers proactively manage their debt to lower their overall borrowing costs. The company relentlessly advocates eliminating the dumb processes, fees, hassle, haggle and lack of transparency traditionally associated with the consumer loan experience. E-LOAN is passionate about consumers` financial privacy, and has implemented industry leading privacy practices and joined hands with consumer groups in an effort to enact strong consumer financial privacy protection laws. Consumers can log onto www.eloan.com or call 1-888-E-LOAN-22 to access E-LOAN`s products, services and team of dedicated loan professionals. E-LOAN, Inc., which has delivered eight consecutive profitable quarters through the third quarter of 2003, is publicly traded on the Nasdaq National Market under the symbol EELN. From inception through September 2003, E-LOAN has originated and sold over $17.8 billion in consumer loans.

(Minimum Requirements to listen to broadcast: The Windows Media Player software, downloadable free from http://www.microsoft.com/windows/windowsmedia/EN/default.asp and at least a 28.8 kbps connection to the Internet. If you experience problems listening to the broadcast, send an email to [e-mail] .)

SOURCE E-LOAN, Inc.

******************
Gruß-hulot

[hulot]

Hallo benefactor,

schön von Dir zu lesen. Versuche die Charts nachzuvollziehen, wenn ich die Buy/Sell-Indikatoren vergleiche bzw. ins Verhältnis setze, meine ich zu erkennen, dass es zugunsten BUY sich verlagert.

Sehe ich das richtig? Oder nur Wunsch?
Gruß-Hulot

[hulot]

....die Umsätze an der der NASDAQ sind auch nicht mehr
so bescheiden...
hulot

[benefactor [KommA]]

Gegen Schluss sind heute die Käufe eindeutig größer als die Verkäufe. Aber sonst kann man z.Z. nicht viel mit der Thompson I-Watch bei EELN erkennen. Es gab schon Zeiten da waren nur blaue Balcken zu sehen. Ich habe diese Charts eigentlich gepostet weil sie sich auch immer wieder selbst erneuern.

[hulot]

Wunsch für die nächste Woche:


hulot

[hulot]

Am Donnerstag 29.01. kommen die Zahlen....

Vielleicht steht E-Loan am Freitag bei 4, ?? $ !!
Ein erster Anlauf wurde diese Woche ja schon unternommen.

See you-hulot

[hulot]

Hallo,

schön, schön
Die 4 $ sind im Visier, auch wenn heute bei 3,95 im TOP
erst einmal Schluß war!

Weiter so!

hulot

[benefactor [KommA]]

E-LOAN, Inc. Reports Fourth Quarter and Annual Results for 2003
http://biz.yahoo.com/prnews/040129/sfth045_1.html

EELN aktuell bei 2.80$.

[Nissie]

ein Desaster

[benefactor [KommA]]

E-LOAN 4Q Earnings/Outlook
http://biz.yahoo.com/djus/040129/1427001513_1.html

[hulot]

Ein Griff in den QuarK....
hulot

[benefactor [KommA]]

Ich habe dir ja gesagt, dass die Aktie massiv gedrückt wird. Bald gibt es gute Einstiegskurse. Schauen wir halt mal wie weit es noch runter geht. E-Loan ist kein Quark sondern dein timing.

[hulot]

Hallo benefactor,

sicher eine Frage des timings...anders herum bei anderen
Zahlen, hätten Shorties ein Problem gehabt.
Im Hinblick auf die allgemein wirtschaftlichen Daten in den USAs, ging ich davon aus, dass die Leute heftiger auf
Kredite gesetzt haben. Die steigenden Immobilienkäufe der
letzten Monate hatten mich das vermuten lassen.

Sei`s drum, Frage ist: Sehen wir das 52 Wochen Tief oder
bleibt es beim Widerstand um 2,50 ???

Nice Weekend-hulot

[hulot]

Ach wäre das schön, könnten wir doch die 3 $ wieder sehen...
Den Versuch hat es ja die Tage schon gegeben...

See you hulot

[hulot]

Naja, mit den 3 $ war es bis jetzt nichts. Vielleicht endet die Woche ja versöhnlich.
An der NAS Umsätze bei 2,79$ ... wenn der Handelstag positiv läuft...

hulot

[hulot]

Mit einer Woche Verzögerung geht es nun doch wieder in Richtung 3$.

Hier noch eine neue News zu E-Loan:

PLEASANTON, Calif., March 1 /PRNewswire-FirstCall/ -- E-LOAN, Inc. , a consumer direct lender, today announced that home equity customers designated to its Indian outsourcing program have the power to decide whether they want to participate before they complete their application. Home equity customers who choose to participate in the program enjoy the benefit of closing their loan two days faster than if the entire transaction was processed domestically.

"Our Indian outsourcing pilot program is an important component of our overall strategy to cost efficiently provide customers with even faster service by becoming a 24-hour processing operation," said Chris Larsen, E-LOAN``s Chairman and Chief Executive Officer. "At the same time, we continue to believe that privacy and security, combined with transparency and choice, are key to building a trusted brand. Therefore, we have decided to fully disclose our outsourcing program and empower customers to weigh the benefits of their participation in it. We believe that this approach will help us continue to earn and preserve consumer trust and confidence in E-LOAN."

The pilot program, which launched in early February, currently has the capacity to process 25 percent of E-LOAN``s home equity applications. Testing shows that 86 percent of the customers designated for the program are choosing to take advantage of the faster processing time associated with it -- the ability to close their home equity loan in ten days versus twelve days.

E-LOAN``s outsourcing partner is bound by strict privacy and security standards, which include the prohibition of selling, sharing or retaining customer information. In addition, an IPSec encrypted connection and the internationally recognized information security standard ISO 17799 are in place to provide the highest level of security.

About E-LOAN, Inc.

E-LOAN, Inc. is a consumer direct lender dedicated to providing borrowers across the credit spectrum with a more enjoyable and affordable way to obtain mortgage, auto and home equity loans. By making credit scores freely available to consumers and integrating them with a suite of sophisticated advice tools, E-LOAN is pioneering the nascent debt management advice category -- helping consumers proactively manage their loan portfolios to lower their overall borrowing costs. The company relentlessly advocates eliminating the dumb processes, fees, hassle, haggle and lack of transparency traditionally associated with the consumer loan experience. Protecting consumers`` financial privacy is a paramount concern, prompting E-LOAN to implement industry leading privacy practices and advocate strong consumer financial privacy protection laws.

Consumers can log onto http://www.eloan.com/ or call 1-888-E-LOAN-22 to access E-LOAN``s products, services and team of dedicated loan and debt advice professionals. E-LOAN, Inc. is publicly traded on the Nasdaq National Market under the symbol EELN. From inception through December 2003, E-LOAN has originated and sold over $18.9 billion in consumer loans.

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.

Press & Investor Contact: Tiffany Fox 925-847-6314 [e-mail]

E-LOAN, Inc.

© PR Newswire
********************
hulot

[benefactor [KommA]]

[hulot]

Hallo benefactor

wo kommt denn das Handelsvolumen auf einmal her??
Hoffentlich schließt sie auch zum Wochenende über 3$ !!

Nice zu Read you!
hulot

[benefactor [KommA]]

GVRC(GVR COMPANY LLC) ist der Übeltäter. GVRC ist zu engagiert im Ask.

Wer besitzt wieviel Aktien:
http://ir.thomsonfn.com/InvestorRelations/Ownership.aspx?par…

[benefactor [KommA]]

Die Market Maker spielen nicht so richtig mit. Die meisten Käufe kommen über das ARCA ECN rein. Die stellen auch gern mal das Bid mit dem Ask gleich, um den Kurs nach oben zu drücken und zu guter letzt haben wir mal wieder die altbekannte Fake Verkaufsorder im Markt bei 3.22$ über 60500 Aktien.

[hulot]

Offensichtlich geht das bekannte Spiel wieder von vorne los... .
Chartmäßig sieht es aber wieder viel besser aus, es läuft auf der 100-Tage-Linie! Aber wahrscheinlich noch zu früh, um zu jubeln...

gruß-hulot

[hulot]

Morgen,
da wurde aber gestern wieder heftig gehandelt und erfreulicher Weise, trotz negativer USA-Börsen ist E-Loan im Plus geblieben!

Weiter so!
Nice Day hulot

[hulot]

Gut zu sehen, dass die 3 $ in den letzten Tagen gehalten haben und die Woche auf solidem Plus hoffentlich ausklingt.
Sie bewegt sich in einem wenn auch leichtem Aufwärtstrend,immer schön oberhalb der 200-Tage-Linie. Macht Mut für die nächsten Wochen
hulot

[hulot]

Endlich hat es dank der guten Stimmung auch E-Loan wieder über die 3 $ gehievt.
Versöhnlicher Wochenausgang heute ???
See you-hulot

[hulot]

Ne so ein shit, da hat es aber am Freitag noch gerassselt.

Was war da los?
Gruß-hulot

[hulot]

UUUPPSS; was ist denn da los? hulot

[hulot]

Und hier die Zahlen vom 29.04.:

PLEASANTON, Calif., April 29 /PRNewswire-FirstCall/ -- E-LOAN, Inc. , a consumer direct lender, today reported results for the first quarter ended March 31, 2004.

Overview of Results -- Total revenue of $32 million exceeds guidance of $30.8 million. -- Pro-forma net loss of $173 thousand, or $0.00 per share, excludes $1.0 million in one-time costs associated with the resignation of E-LOAN``s former Chief Operating Officer during the first quarter of 2004. The pro-forma net loss outperformed guidance by $0.01 per share. -- Net loss for the first quarter of 2004 was $1.1 million or $0.02 per share on 62.3 million shares. -- E-LOAN posted record results in its strategy to build diversified revenue -- comprised of total revenue excluding prime refinance mortgage -- in the first quarter of 2004. -- Diversified revenue totaled $22.7 million, up 49% from the first quarter of 2003 and comprised 71% of E-LOAN``s total revenue in Q1 2004. -- Home Equity revenue was $10.7 million, up 146% from the first quarter of 2003. The increases in home equity loan volumes and revenues reflect an increase in conversion rates and revenue per loan. -- Diversified mortgage revenue -- comprised of purchase and non-prime mortgage -- was $8.2 million, up 5% from the first quarter of 2003. -- Auto revenue was $3.1 million, up 6% compared to the first quarter of 2003. Conversion rates on approved auto loan applications improved 37% in Q4 2003 compared to Q3 2003. -- Direct margin -- defined as revenue minus variable and fixed operations expense -- improved in each product category compared to Q4 2003. -- Successfully launched a new operation to perform loan closing services through E-LOAN``s new subsidiary, Escrow Closing Services, Inc (ECS). Approximately 22% of our home equity loans used ECS in Q1 2004. -- General and administrative expenses include approximately $1 million in one-time costs associated with the resignation of E-LOAN``s former Chief Operating Officer during the first quarter of 2004. These costs were comprised of approximately $0.3 million in cash severance costs and $0.7 million in non-cash stock-based compensation charges. -- Cash increased over prior quarter by 34% to $45.6 million as of March 31, 2004.

"The first quarter of 2004 marked the beginning of a promising new stage in E-LOAN``s development," said Chris Larsen, Chairman, Chief Executive Officer and President of E-LOAN, Inc. "We met our financial goals, made solid progress in our key strategic objective of growing diversified revenue and, successfully passed the leadership baton to our new Chief Operating Officer."

"We``re pleased to reaffirm guidance for fiscal year 2004," said Matt Roberts, E-LOAN``s Chief Financial Officer. "We expect total 2004 revenues of approximately $142 million and pro-forma pre-tax income of approximately $12 million or $0.18 earnings per share, contemplating a range of 10-year Treasury rates of 4.0 to 5.0 percent for the remainder of the year. The pro-forma income excludes approximately $1 million in one-time costs associated with the resignation of E-LOAN``s former Chief Operating Officer during the first quarter of 2004."

Roberts continued, "Given the significant industry transition out of a refinance market, we feel more comfortable focusing our guidance on the annual results for 2004. While there may be some movements between categories, we believe that the detailed assumptions provided in our Fourth Quarter 2003 earnings announcement represent a reasonable outline in support of our total revenue and earnings targets for 2004."

Operating and Financial Tables Revenues

E-LOAN``s revenues are primarily from the gain on sale of first mortgage, home equity and auto loans that we originate, fund and then sell. We also earn interest income on mortgage and home equity loans from the time of funding through the time of sale.

Components of Revenue Q1 2004 Q4 2003 Q1 2003 ($ in thousands) $ % of $ % of $ % of Total Revenue Total Revenue Total Revenue Refi Mortgage $7,857 25% $6,663 24% $17,939 50% Interest Income on Refi Mortgage 1,442 4% 1,514 6% 3,015 8% Diversified Mortgage (1) 6,679 21% 6,372 23% 5,913 16% Interest Income on Diversified Mortgage 1,494 4% 1,879 7% 1,849 5% Home Equity 9,250 29% 6,618 24% 3,939 11% Interest Income on Home Equity 1,473 5% 1,697 6% 424 1% Auto (2) 3,062 10% 2,568 9% 2,885 8% Closing Services (3) 451 1% 52 --% -- -- Other (4) 316 1% 311 1% 255 1% Total Revenue $32,024 100% $27,674 100% $36,219 100% Total Diversified Revenue (5) $22,725 71% $19,497 70% $15,265 42% (1) Diversified Mortgage is comprised of purchase and non-prime mortgage loans. (2) Auto Revenues include interest income from the retained interest asset, which was previously reported in Other Income, net. (3) Closing Services Revenues are from Escrow Closing Services, Inc., a wholly-owned subsidiary, which provides mortgage closing services, including HUD-1 Settlement Statement and document preparation, signing, disbursement and recordation services for a portion of our Home Equity business. (4) Other Revenue comes from credit monitoring services and credit card, personal loan and student loan referrals. (5) Diversified Revenue is comprised of total revenues excluding prime refinance mortgage and its related interest income. Loan Volume The following table provides a comparison of unit and volume statistics: Q1``04 Q4``03 Q1``03 $ $ $ Millions Loans Millions Loans Millions Loans Sold Loans Refinance Mortgage $410 1,887 $333 1,748 $755 3,336 Diversified Mortgage 347 1,899 391 2,217 355 1,608 Home Equity 302 6,534 273 6,004 168 3,795 Auto 154 8,781 159 8,860 168 8,838 Total Sold Loans $1,213 19,101 $1,157 18,829 $1,446 17,577 Closed Loans Refinance Mortgage $440 2,007 $325 1,701 $678 3,199 Diversified Mortgage 353 1,923 379 2,133 283 1,352 Home Equity 299 6,452 278 6,088 169 3,836 Auto 154 8,813 156 8,682 172 9,055 Total Closed Loans $1,246 19,195 $1,138 18,604 $1,302 17,442 Direct Margin

Direct margin is defined as revenue minus variable and fixed operations expense. The following table provides detail of direct margin classified by revenue-related categories, both in dollars and expressed as a percentage of its related revenue.

Direct Margins Q1 2004 Q4 2003 Q1 2003 ($ in thousands) % of % of % of $ Total Revenue $ Total Revenue $ Total Revenue Mortgage $7,888 54% $5,953 46% $15,665 66% Mortgage Interest Margin 1,532 52% 1,876 55% 2,466 51% Home Equity 4,180 45% 2,266 34% 857 22% Home Equity Interest Margin 605 41% 821 48% 136 32% Auto 1,228 40% 624 24% 103 4% Closing Services (54) -12% (195) -375% -- -- Other 316 100% 311 100% 255 100% Total $15,695 $11,656 $19,482 Conversion Statistics

We release conversion rates on a one-quarter lagged basis because of the lag time that exists between the time an application is submitted and the time the associated loan actually funds. Our conversion rates are based on a static pool analysis calculated by dividing the number of qualified applications received in the quarter by the number of funded loans that resulted from those applications.

Conversion % Q1``03 Q2``03 Q3``03 Q4``03 Mortgage Pre-Approval 7% 7% 6% 6% Purchase 23% 24% 19% 17% Refinance 30% 28% 21% 21% Total Mortgage 20% 19% 14% 13% Home Equity 27% 26% 29% 36% Auto 15% 14% 19% 26% Conference Call and Webcast

Chris Larsen, Chairman, Chief Executive Officer and President of E-LOAN, will host a conference call to discuss the company``s first quarter results today, April 29 at 7:30 a.m. (PDT). Please dial [phone] at 7:25 a.m. (PDT) and reference pass code "E-LOAN." A replay of the call will be available after 9:00 a.m. (PDT) on April 29, 2004 until 11:59 p.m. (PDT), May 6, 2004. The replay may be accessed by dialing [phone]. A live webcast and replay of the conference call will be available via the investor relations section of the company``s website at http://www.eloan.com/." target="_blank" rel="nofollow ugc noopener">http://www.eloan.com/.

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. is a consumer direct lender dedicated to providing borrowers across the credit spectrum with a more enjoyable and affordable way to obtain mortgage, auto and home equity loans. By making credit scores freely available to consumers and integrating them with a suite of sophisticated advice tools, E-LOAN is pioneering the nascent debt management advice category -- helping consumers proactively manage their loan portfolios to lower their overall borrowing costs. The company relentlessly advocates eliminating the unnecessary processes, fees, hassle, haggle and lack of transparency traditionally associated with the consumer loan experience. Protecting consumers`` financial privacy is a paramount concern, prompting E-LOAN to implement industry leading privacy practices and advocate strong consumer financial privacy protection laws.

Consumers can log onto http://www.eloan.com/ or call 1-888-E-LOAN-22 to access E-LOAN``s products, services and team of dedicated loan and debt advice professionals. E-LOAN, Inc. is publicly traded on the Nasdaq National Market under the symbol EELN. From inception through March 2004, E-LOAN has originated and sold over $20.1 billion in consumer loans.

Press & Investor Contact: Tiffany Fox 925-847-6314 [e-mail] E-LOAN, Inc. Consolidated Statement of Operations (in thousands, except per share amounts) Three Months Ended March 31, March 31, 2004 2003 Revenues $32,024 $36,219 Operating Expenses Operations 16,329 16,737 Sales & marketing 11,132 8,492 Technology 2,166 1,876 General & administration 3,532 1,998 Total operating expenses 33,159 29,103 Income (loss) from operations (1,135) 7,116 Other income, net 15 31 Income (loss) before taxes (1,120) 7,147 Income taxes -- (815) Net income (loss) $(1,120) $6,332 Net income (loss) per share: Income (loss) per share Basic $(0.02) $0.11 Diluted $(0.02) $0.10 Weighted average shares Basic 62,325 59,598 Diluted 62,325 63,241 E-LOAN, Inc. Consolidated Balance Sheet (in thousands) March 31, December 31, 2004 2003 ASSETS Current assets: Cash and cash equivalents ($2,350 and $4,850 restricted cash) $45,559 $33,973 Loans held-for-sale 81,554 50,874 Accounts receivable, prepaids and other current assets 19,979 28,287 Total current assets 147,092 113,134 Fixed assets, net 12,537 11,484 Retained interests in auto loans -- trading 13,378 11,658 Total assets $173,007 $136,276 LIABILITIES AND STOCKHOLDERS`` EQUITY Current liabilities: Warehouse and other lines payable $77,765 $44,283 Accounts payable, accrued expenses and other liabilities 13,747 10,366 Total current liabilities 91,512 54,649 Total liabilities 91,512 54,649 Stockholders`` equity: Common stock 63 62 Additional paid-in-capital 266,131 265,144 Accumulated deficit (184,699) (183,579) Total stockholders`` equity 81,495 81,627 Total liabilities and stockholders`` equity $173,007 $136,276

E-LOAN, Inc.

© PR Newswire

Gruß-hulot

[Nissie]

Wir marschieren in USA wieder nach Norden. Kennt jemand nähere Einzelheiten dazu ?

[hulot]

Moin,
das war gestern ein satter Sprung. Aber Hintergrund bleibt
noch im Dunkeln, keine Infos gefunden.
Mal sehen wie es die nächsten Tage weitergeht. Übernahme??

Gruß-hulot

[benefactor [KommA]]

E-Loan Reaches $20 Billion Milestone
Tuesday June 8, 10:39 am ET
E-Loan Reaches $20 Billion Milestone in Consumer Loans

PLEASANTON, Calif. (AP) -- E-Loan Inc., an online consumer direct lender, reported Tuesday that it has originated more than 285,000 consumer loans totaling more than $20 billion since it began offering its services in June 1997.

Chris Larsen, E-Loan`s chief executive, said, "In the first quarter of 2004, prime mortgage refinance comprised 29 percent of E-Loan`s total revenue, which is in stark contrast to the first quarter of 1998, when mortgage refinance comprised 92 percent of total revenue."

E-Loan Inc. is a consumer direct lender providing borrowers a more affordable way to obtain mortgage, auto and home equity loans.
http://biz.yahoo.com/ap/040608/e_loan_milestone_1.html

[hulot]

Noch was Neues:

COSTA MESA, Calif., June 9 /PRNewswire/ -- NADAguides.com (http://www.nadaguides.com/), a leading vehicle information website, and E-LOAN, Inc. , an online consumer direct lender, today announced an exclusive partnership, naming E-LOAN as the premier provider of auto and motorcycle loans for NADAguides.com automotive, classic car and motorcycle consumers.

"Because our vehicle information is so diverse, we need a financing partner that understands and meets the special financing needs of our online consumers," said Len Sims, Vice President of NADAguides.com. "E-LOAN``s successful track record and commitment to customer service is a perfect complement to our full line of automotive and motorcycle consumer products and services."

"Like E-LOAN, NADAguides.com is committed to providing consumers with accurate, reliable and unbiased information and services," said Mark Lefanowicz, E-LOAN``s President and Chief Operating Officer. "This commitment, combined with the breadth of resources they provide, make NADAguides.com an invaluable and popular destination for consumers who are in the market to purchase new or used vehicles. By integrating E-LOAN``s car and motorcycle financing services into NADAguides.com, consumers will be more educated and prepared to go to a dealership to purchase the vehicle of their dreams."

Consumers visiting the automotive, classic car and motorcycle verticals at the NADAguides.com website can access E-LOAN``s full suite of financial services for new and used vehicles. By clicking on the "Get a Loan" link in any of these sections of the NADAguides.com website, consumers can quickly and easily research vehicle loans, shop for rates without entering any personal information, and compare products to determine which loan best suits their individual needs. When they``re ready to apply, consumers complete a 5-minute online application and receive a decision within 15 minutes during regular business hours. Once approved, E-LOAN will issue the customer a PowerCheck(R), which works just like a personal check. Approved customers can go to a dealership to purchase their new or used car as fast as 24-hours after they apply.

About N.A.D.A. Appraisal Guides (NADAguides.com)

N.A.D.A. Appraisal Guides is the world``s largest publisher of vehicle valuations and specification information for new and used cars, trucks, vans, and SUVs, as well as van conversions, limousines, classic and collectible cars, boats, RVs, motorcycles, snowmobiles, personal watercraft and manufactured housing. The company``s consumer website, NADAguides.com (http://www.nadaguides.com/), offers a variety of new and used vehicle services in addition to valuation information. Throughout its 70-year history, N.A.D.A. Appraisal Guides has earned the reputation as the recognized authority for vehicle valuations. Its website, NADAguides.com, is the most comprehensive vehicle information resource on the Internet today.

About E-LOAN, Inc.

E-LOAN, Inc. is a consumer direct lender dedicated to providing borrowers across the credit spectrum with a more enjoyable and affordable way to obtain mortgage, auto and home equity loans. By making credit scores freely available to consumers and integrating them with a suite of sophisticated advice tools, E-LOAN is pioneering the nascent debt management advice category -- helping consumers proactively manage their loan portfolios to lower their overall borrowing costs. The company relentlessly advocates eliminating the unnecessary processes, fees, hassle, haggle and lack of transparency traditionally associated with the consumer loan experience. Protecting consumers`` financial privacy is a paramount concern, prompting E-LOAN to implement industry leading privacy practices and advocate strong consumer financial privacy protection laws.

Consumers can log onto http://www.eloan.com/ or call 1-888-E-LOAN-22 to access E-LOAN``s products, services and team of dedicated loan and debt advice professionals. E-LOAN, Inc. is publicly traded on the Nasdaq National Market under the symbol EELN. From inception through March 2004, E-LOAN has originated and sold over $20.1 billion in consumer loans.

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.

NADAguides.com

© PR Newswire

Gruß-hulot

[hulot]

Hallo,
da gab es am 04.11. die Zahlen, eigentlich agr nicht so schlecht, aber keine richtige Reaktion:

04.11.2004 14:38:
E-LOAN, Inc. Reports Third Quarter 2004 Results

PLEASANTON, Calif., Nov. 4 /PRNewswire-FirstCall/ -- E-LOAN (Nachrichten)(R), an online consumer direct lender, today reported results for the third quarter ended September 30, 2004.

Overview of Results * Total revenue of $35.1 million, up 5% from Q2 2004. * Net income for the third quarter of 2004 was $0.7 million or $0.01 per share on 65.5 million diluted shares. * Diversified revenue -- comprising total revenue, excluding prime refinance mortgage -- was $27.8 million, up 18% from Q2 2004, which accounted for 79% of total revenue in Q3 2004. * Home Equity revenue was $14.2 million, up 46% from Q2 2004 and nearly double that of mortgage refinance revenue. Home equity sold loan volume increased 22% in the quarter compared to Q2 2004. A 27% increase in revenue per loan from Q2 2004 contributed to these results. * Diversified mortgage revenue -- comprising purchase and non-prime mortgage -- was $8.3 million, down 15% from the second quarter of 2004. Diversified mortgage sold loan volume and revenue per loan decreased 5% and 9%, respectively, in the quarter compared to Q2 2004. * Auto revenue was $3.7 million, up 25% from Q2 2004. Auto sold loan volume increased 9% in the quarter compared to Q2 2004. A 12% increase in revenue per loan from Q2 2004 contributed to these results. * Refinance mortgage revenue was $7.3 million, down 26% from Q2 2004. Refinance mortgage sold loan volume decreased 33% in the quarter compared to Q2 2004. The decreased loan volume was partially offset by a 9% increase in revenue per loan from Q2 2004. * Direct margin -- defined as revenue minus variable and fixed operations expense -- was $17.6 million, up 3% from Q2 2004. * Marketing expense totaled $12.1 million, down 3% from Q2 2004. * General and administrative expenses increased $169 thousand or 7% to $2.5 million from Q2 2004. * E-LOAN`s new subsidiary, Escrow Closing Services, Inc. (ECS), generated $152 thousand positive direct margin in Q3 2004. Approximately 53% of our home equity loans used ECS in Q3 2004, up from 45% in Q2 2004. * Prior periods presented in this release have been restated to correct the gain on sale of loans and interest income and interest expense recognized on loans sold subsequent to the date of sale (see discussion and table below).

"In the third quarter of 2004, we had a solid quarter overall and made outstanding progress in growing our diversified businesses," said Chris Larsen, Chairman and Chief Executive Officer of E-LOAN. "Total revenue was up 5 percent and diversified revenue was up 18 percent from the second quarter of 2004. Diversified revenue hit a record high and for the first time accounted for nearly 80 percent of total revenue, well ahead of earlier projections."

Larsen continued, "We also made good progress in optimizing our three key leverage points: capital markets revenue per loan, operations costs per loan, and marketing conversion. By continuing to focus on these three core areas, while at the same time maintaining a high level of revenue diversification, we believe we are well positioned as we enter 2005."

"Consistent with our last update, we continue to expect 2004 breakeven earnings," said Matt Roberts, E-LOAN`s Chief Financial Officer. "Adjusted only for the revenue reclassification, we expect total 2004 revenues of approximately $134 million (or $139 million on a pre-reclassification basis)."

Key assumptions in the forecast for 2004 are as follows: * 10-year Treasury rates of 4.0% to 5.0% for the remainder of the year. * E-LOAN total 2004 sold loan volume of approximately $5.3 billion. * Marketing spend of approximately $48 million. * Combined technology and G&A expense of $20.5 million. * Average diluted shares outstanding of 66 million. Operating and Financial Tables Revenues

E-LOAN`s revenues are primarily from the gain on sale of first mortgage, home equity and auto loans that we originate, fund and then sell. We also earn interest income on mortgage and home equity loans from the time of funding through the time of sale.

Components of Revenue Q3 2004 Q2 2004 Q3 2003 ($ in thousands) % of % of % of $ Total Revenue $ Total Revenue $ Total Revenue Refi Mortgage $6,823 19% $8,430 25% $17,020 39% Interest Income on Refi Mortgage 472 1% 1,393 4% 2,324 5% Diversified Mortgage (1) 7,598 22% 8,659 26% 10,286 23% Interest Income on Diversified Mortgage 688 2% 1,035 3% 2,211 5% Home Equity 13,216 38% 8,738 26% 7,637 17% Interest Income on Home Equity 930 3% 943 3% 1,079 2% Auto (2) 3,665 10% 2,921 9% 2,927 7% Closing Services (3) 1,407 4% 985 3% -- -- Other (4) 299 1% 295 1% 382 1% Total Revenue $35,098 100% $33,400 100% $43,866 100% Total Diversified Revenue (5) $27,802 79% $23,578 71% $24,522 56% (1) Diversified Mortgage comprises purchase and non-prime mortgage loans. (2) Auto Revenues include interest income from the retained interest asset, which was previously reported in Other Income, net. (3) Closing Services Revenues are from Escrow Closing Services, Inc., a wholly-owned subsidiary, which provides mortgage closing services, including HUD-1 Settlement Statement and document preparation, signing, disbursement and recordation services for a portion of our Home Equity business. (4) Other Revenue comes from credit monitoring services and credit card, personal loan and student loan referrals. (5) Diversified Revenue is comprised of total revenues excluding prime refinance mortgage and its related interest income. Loan Volume The following table provides a comparison of unit and volume statistics: Q3`04 Q2 `04 Q3 `03 $ Millions Loans $ Millions Loans $ Millions Loans Sold Loans Refinance Mortgage $332 1,568 $496 2,105 $650 3,144 Diversified Mortgage 382 1,973 403 2,049 640 3,206 Home Equity 404 7,954 332 6,674 275 6,077 Auto 177 10,780 162 9,606 194 10,670 Total Sold Loans $1,295 22,275 $1,393 20,434 $ 1,758 23,097 Closed Loans Refinance Mortgage $340 1,599 $460 1,951 $497 2,492 Diversified Mortgage 388 2,015 387 1,967 573 2,931 Home Equity 408 8,049 328 6,590 259 5,682 Auto 177 10,773 161 9,568 194 10,701 Total Closed Loans $1,312 22,436 $1,336 20,076 $1,523 21,806 Direct Margin

Direct margin is defined as revenue minus variable and fixed operations expense. The following table provides detail of direct margin classified by revenue-related categories, both in dollars and expressed as a percentage of its related revenue.

Direct Margins Q3 2004 Q2 2004 Q3 2003 ($ in thousands) % of % of % of $ Total Revenue $ Total Revenue $ Total Revenue Mortgage $7,353 51% $10,212 60% $18,048 66% Mortgage Interest Margin 584 50% 1,424 59% 2,386 53% Home Equity 7,148 54% 3,491 40% 3,754 49% Home Equity Interest Margin 430 46% 509 54% 559 52% Auto 1,673 46% 1,085 37% 384 13% Closing Services 152 11% 119 12% -- -- Other 299 100% 295 100% 382 100% Total $17,639 $17,135 $25,514 Conversion Statistics

We release conversion rates on a one-quarter lagged basis because of the lag time that exists between the time an application is submitted and the time the associated loan actually funds. Our conversion rates are based on a static pool analysis calculated by dividing the number of qualified applications received in the quarter by the number of funded loans that resulted from those applications.

Conversion % Q3 `03 Q4 `03 Q1 `04 Q2 `04 Mortgage Pre-Approval 6% 6% 6% 7% Purchase 19% 17% 20% 13% Refinance 21% 21% 22% 19% Total Mortgage 14% 13% 16% 13% Home Equity 29% 36% 34% 35% Auto 19% 26% 28% 27% Restatement of Prior Period`s Gain on Sale of Loans

E-LOAN`s historical practice has been to continue to recognize interest income and interest expense on loans sold under its Purchase and Sale Agreement with Greenwich Capital (see description of agreement below) in the period from the time of sale until the time of settlement with the committed loan purchaser. The Company has determined that this interest income and interest expense should have been included in the calculation of the gain on loans sold rather than to be recognized as additional interest income and interest expense in the period subsequent to the sale of the loans. To correct this accounting error the Company will restate its previously issued financial statements for the year ended December 31, 2003, and the interim periods within the year as well as for the quarters ended March 31, 2004 and June 30, 2004. All amounts included in this release have been restated accordingly and the impact of the restatement is reflected in the table below. The cumulative impact of this error was an understatement of income of $615,000 during a period in which the company earned $22 million.

Comparison Table

The impact of the error and reclassification to prior periods is shown in the following table:

Summary Reported Corrected Reported Corrected Reported Corrected 3 Months 3 Months Total Total 6 Months 6 Months Q3 2003 Q3 2003 2003 2003 Q2 2004 Q2 2004 Interest Income $6,480 $5,614 $22,693 $18,581 $10,526 $5,110 Total Diversified Revenue 24,541 24,522 80,737 80,200 46,877 45,169 Total Revenue 44,057 43,866 154,052 152,707 66,675 64,030 Interest Expense 3,082 2,669 11,199 9,151 4,882 2,324 Total Operating Expense 35,023 34,610 130,410 128,362 67,550 64,992 Net Income 8,018 8,240 22,634 23,337 (850) (937) EPS 0.12 0.12 0.34 0.35 (0.01) (0.01) Detail Reported Corrected Reported Corrected Reported Corrected Q1 2003 Q1 2003 Q2 2003 Q2 2003 Q3 2003 Q3 2003 Refi Mortgage $17,938 $18,242 $21,410 $21,625 $16,871 $17,020 Interest Income on Refi Mortgage 3,015 2,731 3,258 2,997 2,646 2,324 Diversified Mortgage (1) 5,913 5,980 10,096 10,223 9,985 10,286 Interest Income on Diversified Mortgage 1,849 1,774 1,894 1,761 2,492 2,211 Home Equity 3,939 4,006 5,334 5,420 7,412 7,637 Interest Income on Home Equity 424 345 683 608 1,342 1,079 Mortgage Interest Expense 2,398 2,178 2,506 2,314 2,435 2,149 Home Equity Interest Expense 288 220 531 473 647 521 Total Diversified Revenue $15,265 $15,246 $21,434 $21,441 $24,541 $24,522 Total Revenue 36,219 36,218 46,102 46,062 44,057 43,866 Total Operating Expense - w/ Int Exp 29,103 28,815 37,056 36,806 35,023 34,610 Net Income 6,332 6,620 8,076 8,286 8,018 8,240 EPS 0.10 0.10 0.12 0.12 0.12 0.12 Detail Reported Corrected Reported Corrected Reported Corrected Q4 2003 Q4 2003 Q1 2004 Q1 2004 Q2 2004 Q2 2004 Refi Mortgage $6,663 $7,356 $7,856 $8,458 $7,888 $8,430 Interest Income on Refi Mortgage 1,514 213 1,442 582 2,611 1,392 Diversified Mortgage (1) 6,372 6,513 6,679 7,050 8,118 8,659 Interest Income on Diversified Mortgage 1,879 1,549 1,494 677 1,851 1,036 Home Equity 6,671 7,063 9,251 9,555 8,328 8,738 Interest Income on Home Equity 1,697 988 1,473 480 1,654 944 Mortgage Interest Expense 1,517 786 1,404 602 1,847 1,004 Home Equity Interest Expense 876 510 868 283 763 435 Total Diversified Revenue $19,497 $18,992 $22,726 $21,592 $24,151 $23,577 Total Revenue 27,674 26,561 32,024 30,631 34,651 33,399 Total Operating Expense - w/ Int Exp 29,228 28,132 33,159 31,772 34,391 33,220 Net Income 208 191 (1,120) (1,125) 270 189 EPS 0.00 0.00 (0.02) (0.02) 0.00 0.00 Purchase and Sale Agreement with Greenwich Capital

On June 17, 1999, the Company entered into a Mortgage Loan Purchase and Sale Agreement with Greenwich Capital Financial Products, Inc. ("Greenwich"). Under the terms of this agreement, mortgage and home equity loans that are allocated to a mandatory sell forward commitment between the Company and a loan purchaser, but have not yet been settled, may be sold to Greenwich Capital with the accompanying trade assignment. The Company accounts for these transfers as sales, in accordance with Statement of Financial Accounting Standards No. 140, "Accounting for Transfers and Servicing of Financial Assets and Extinguishments of Liabilities" (FAS 140).

Conference Call and Webcast

Chris Larsen, Chairman and CEO of E-LOAN, will host a conference call to discuss the company`s third quarter results today, November 4 at 7:30 a.m. (PST). Please dial 712-257-0021 at 7:25 a.m. (PST) and reference pass code "E-LOAN." A replay of the call will be available after 9:00 a.m. (PST) on November 4, 2004 until 11:59 p.m. (PST), November 11, 2004. The replay may be accessed by dialing 402-220-9119. A live webcast and replay of the conference call will be available via the investor relations section of the company`s website at http://www.eloan.com/." target="_blank" rel="nofollow ugc noopener">http://www.eloan.com/.

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

E-LOAN is an online consumer direct lender dedicated to providing borrowers across the credit spectrum with a more enjoyable and affordable way to obtain mortgage, auto and home equity loans. By making credit scores freely available to consumers and integrating them with a suite of sophisticated advice tools, E-LOAN is pioneering the nascent debt management advice category -- helping consumers proactively manage their loan portfolios to lower their overall borrowing costs. The company relentlessly advocates eliminating the unnecessary processes, fees, hassle, haggle and lack of transparency traditionally associated with the consumer loan experience. Protecting consumers` financial privacy is a paramount concern, prompting E-LOAN to implement industry leading privacy practices and advocate strong consumer financial privacy protection laws. In June 2004, an independent study conducted by TRUSTe and The Ponemon Institute ranked E-LOAN as one of the top 20 most trusted companies for privacy in America. E-LOAN was the highest ranked online financial services company to make the top 20.

Consumers can log onto http://www.eloan.com/ or call 1-888-E-LOAN-22 to access E-LOAN`s products, services and team of dedicated loan and debt advice professionals. E-LOAN is publicly traded on the Nasdaq National Market under the symbol EELN. From inception through September 2004, E-LOAN has originated and sold over $22.8 billion in consumer loans.

Press & Investor Contact: Tiffany Fox 925/847-6314 [e-mail] E-LOAN, Inc. Statement of Operations (in thousands, except per share amounts) Three Months Three Months Ended Nine Months Ended Ended Sept. 30, Sept. 30, Sept. 30, Sept. 30, June 30, 2004 2003 2004 2003 2004 Revenues $35,098 $43,866 $99,128 $126,146 $33,399 Operating Expenses Operations 17,459 18,352 48,664 54,796 16,264 Sales & marketing 12,105 11,890 35,744 31,815 12,506 Technology 2,271 2,205 6,528 6,559 2,091 General & administration 2,528 2,162 8,419 7,060 2,359 Total operating expenses 34,363 34,609 99,355 100,230 33,220 Income from operations 735 9,257 (227) 25,916 179 Other income, net 26 15 51 115 10 Income before taxes 761 9,272 (176) 26,031 189 Income taxes (51) (1,032) (51) (2,885) - Net income/(loss) $710 $8,240 $(227) $23,146 $189 Net income/(loss) per share: Income per share Basic $0.01 $0.13 $(0.00) $0.38 $0.00 Diluted $0.01 $0.12 $(0.00) $0.35 $0.00 Weighted average shares Basic 63,278 61,065 62,841 60,285 62,915 Diluted 65,458 67,142 62,841 65,972 65,784 E-LOAN, Inc. Consolidated Balance Sheet (in thousands) September 30, December 31, 2004 2003 ASSETS Current assets: Cash and cash equivalents ($2,350 and $4,850 restricted cash) $46,110 $33,973 Loans held-for-sale 46,817 50,874 Accounts receivable, prepaids and other current assets 24,494 28,990 Total current assets 117,421 113,837 Fixed assets, net 12,277 11,484 Retained interests in auto loans - trading 13,852 11,658 Total assets $143,550 $136,979 LIABILITIES AND STOCKHOLDERS` EQUITY Current liabilities: Warehouse and other lines payable $43,849 $44,283 Accounts payable, accrued expenses and other liabilities 15,526 10,366 Total current liabilities 59,375 54,649 Total liabilities 59,375 54,649 Stockholders` equity: Common stock 63 62 Additional paid-in-capital 267,215 265,144 Accumulated deficit (183,103) (182,876) Total stockholders` equity 84,175 82,330 Total liabilities and stockholders` equity $143,550 $136,979

E-LOAN, Inc.

Mal schauen, wie die nächsten Wochen aussehen.
Gruß
hulot

[Nissie]

Der -wenn auch langsame- Anstieg in den vergangenen Tagen könnte ein Zeichen Dafür sein, dass sich ein Einstieg wieder lohnt?
Kennt jemand nähere Gründe für diese Entwicklung??

[Nissie]

gibt es keine news mehr oder sind alle ausgestiegen.
ich werde wohl allein auf bessere zeiten warten.

[Eloan]

Moin !

E-LOAN Earnings Estimates
E-LOAN (EELN)


First Call Mean Estimates
Fiscal Year Ending: Dec - Last Changed: 05/13/05
YR Ending Q1 Mar Q2 Jun Q3 Sep Q4 Dec FISC YR Annual NUM Brokers (FISC) CAL YR Annual NUM Brokers (CAL)
2006 0.04 0.06 0.07 0.08 0.21 3 0.21 3
2005 0.03A 0.2 0.03 0.03 0.11 3 0.11 3
2004 0.00A 0.0A 0.01A 0.02A 0.03 3 0.03 3
2003 0.10A 0.12A 0.12A 0.00A 0.34 1 0.34 1
2002 0.03A 0.02A 0.05A 0.08A 0.18 1 0.18 1
2001 -0.06A -0.04A 0.01A 0.03A -0.06 2 -0.06 2
2000 -0.27A -0.22A -0.16A -0.12A -0.75 6 -0.75 6
1999 -0.15A -0.30A -0.33A -0.28A -1.06 6 -1.06 6

http://phx.corporate-ir.net/phoenix.zhtml?c=99603&p=irol-est…

Wenn die Prognosen eintreffen werden wir deutlich bessere Kurse sehen.

[benefactor [KommA]]

Popular, Inc. and E-LOAN, Inc. Sign Merger Agreement
Wednesday August 3, 8:38 am ET

PLEASANTON, Calif., Aug. 3 /PRNewswire-FirstCall/ -- Popular, Inc. (Nasdaq: BPOP - News), the leading financial institution in Puerto Rico, and E-LOAN, Inc. (Nasdaq: EELN - News), an online consumer direct lender, today announced the signing of a definitive merger agreement under which Popular, Inc. will acquire 100% of the issued and outstanding shares of common stock and common stock equivalents of E-LOAN, Inc. for $4.25 per share in cash, or approximately $300 million.

This transaction will further expand Popular, Inc.`s penetration into the U.S. market, complement its existing non-prime and warehouse lending businesses, and significantly enhance its technology platform. E-LOAN, Inc., which originated over $5 billion in mortgage, home equity, and auto loans in 2004, stands to benefit from Popular, Inc.`s financial and capital markets strength as well as from cross-promotion and integration opportunities.

"We are impressed with what E-LOAN has built. They are a great brand in this space and we believe we can add financial strength and new products to further enhance it," said Richard L. Carrion, Chairman of the Board and Chief Executive Officer of Popular, Inc.

According to Bill Williams, President of Popular Financial Holdings Inc., "This is an exciting opportunity for Popular Financial Holdings to strengthen its competitive capabilities."

"Like E-LOAN, Popular has honored its founding vision and strong values by being passionate about serving customers and committed to treating people with dignity and respect," said Chris Larsen, Founder and Chairman of E-LOAN, Inc. "These shared values, combined with our complementary strengths and Popular`s long-term focus, will benefit our employees and customers as well as the proliferation of online lending for many years to come."

E-LOAN, Inc. will maintain its brand identity and become a wholly owned subsidiary of Popular Financial Holdings, Inc. operating in Pleasanton, California. Mark Lefanowicz, Chief Executive Officer and President of E-LOAN, Inc., will continue to serve as President. In addition, E-LOAN, Inc. will retain substantially all its employees. The transaction, which was unanimously approved by the boards of directors of both companies, is subject to E-LOAN, Inc. shareholder approval and is expected to close in the fourth quarter of 2005.

J.P. Morgan Securities Inc. acted as exclusive financial advisor to E- LOAN, Inc. and issued a fairness opinion in conjunction with the transaction. Wachtell, Lipton, Rosen & Katz served as legal counsel to E-LOAN, Inc. and Sullivan & Cromwell LLP served as legal counsel to Popular, Inc.

About Popular, Inc.

Popular, Inc. is a full service financial services provider with operations in Puerto Rico, the United States, the Caribbean and Latin America. As the leading financial institution in Puerto Rico with over 280 branches and offices, the Corporation offers retail and commercial banking services through its banking subsidiary, Banco Popular de Puerto Rico, as well as investment banking, auto and equipment leasing and financing, mortgage loans, consumer lending, insurance and information processing through specialized subsidiaries. In the United States, the Corporation has established the largest Hispanic-owned financial services franchise, providing complete financial solutions to all the communities it serves. Banco Popular North America operates over 135 branches in California, Texas, Illinois, New York, New Jersey and Florida, as well as 130 financial services stores under the name of Popular Cash Express. The Corporation`s finance subsidiary in the United States, Popular Financial Holdings, Inc., operates nearly 200 retail lending locations offering mortgage and personal loans, and also maintains a substantial wholesale broker network, a warehouse lending division, loan servicing, and an asset acquisitions unit. The Corporation continues to use its expertise in technology and electronic banking as a competitive advantage in its Caribbean and Latin America expansion, through its financial transaction processing company, EVERTEC. The Corporation is exporting its 111 years of experience through the region while continuing its commitment to meet the needs of retail and business clients through innovation, and to fostering growth in the communities it serves. Popular is ranked among FORTUNE magazine`s 2005 100 Best Companies to Work For.

About E-LOAN

E-LOAN® is an online consumer direct lender dedicated to providing borrowers with a Radically Simple(SM) way to obtain mortgage, auto and home equity loans. Since its launch in 1997, E-LOAN has drawn upon its pro consumer values to improve the lending experience in revolutionary ways. By eliminating the traditional incentive structure to charge consumers higher rates, giving consumers free access to credit scores and eliminating lender fees, E-LOAN is providing a uniquely open, fair and honest loan process. Protecting consumers` financial privacy is also a paramount concern, prompting E-LOAN to implement industry leading privacy practices and advocate strong consumer financial privacy protection laws. Consumers have recognized E- LOAN`s trustworthiness and respect for customers. An independent study conducted by TRUSTe and The Ponemon Institute ranked E-LOAN as one of the top 20 most trusted companies for privacy in America. E-LOAN was the highest ranked online financial services company to make the top 20. In another independent study by The Customer Respect Group, E-LOAN received the overall highest rating in the Online Customer Respect Study of North America`s largest financial services firms.
http://biz.yahoo.com/prnews/050803/mxw001.html?.v=19

[Nissie]

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