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6	member 12/28/15 7:25AM Re: Nice writeup, some follow up questions.. 1
1. If SYF's returns (usually ROA) fall below a certain level, the merchant starts absorbing part of the NCO. The treshold and split changes per contract, but think about a 25% absorption by the retailer... login to read the rest view available tags
5	member 12/28/15 6:21AM Re: SYF - well done 2
I think COF and DFS are great businesses and their respective stocks seem reasonably valued, but at this point in the cycle I prefer private label credit cards over general purpose credit cards. General purpose is... login to read the rest view available tags
4	member 12/28/15 6:12AM Re: Re: Nice writeup, some follow up questions.. 3
1. Great question and unfortunately I can't give you a straight answer as the company doesn't disclose what the average card balance is and how it evolves over time. We do get some data from... login to read the rest view available tags