David Novak - Home Capital Senior Vice President Chief Risk Officer
President
David Novak is Senior Vice President Chief Risk Officer of Home Capital Group since 2015.
| Tenure | 9 years |
| Phone | 416 360 4663 |
| Web | https://www.homecapital.com |
Home Capital Management Efficiency
Home Capital's management efficiency ratios could be used to measure how well Home Capital manages its routine affairs as well as how well it operates its assets and liabilities.The company has accumulated 3.85 B in total debt with debt to equity ratio (D/E) of 1.83, which is about average as compared to similar companies. Home Capital Group has a current ratio of 1.21, suggesting that it is not liquid enough and may have problems paying out its financial obligations in time and when they become due. Debt can assist Home Capital until it has trouble settling it off, either with new capital or with free cash flow. So, Home Capital's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like Home Capital Group sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Home to invest in growth at high rates of return. When we think about Home Capital's use of debt, we should always consider it together with cash and equity.
Similar Executives
| Showing other executives | PRESIDENT Age | ||
| Peter Struck | Mr Cooper Group | N/A | |
| Anthony Villani | Mr Cooper Group | 61 | |
| David Neylan | Guild HoldingsCo | 48 | |
| Desiree Kramer | Guild HoldingsCo | 41 | |
| Barrett Horn | Guild HoldingsCo | 80 | |
| Melinda Wilner | UWM Holdings Corp | 48 | |
| Carter Zimmerman | Rocket CompaniesInc | N/A | |
| Kelly Doherty | Mr Cooper Group | N/A | |
| Thomas Fairfield | Mr Cooper Group | 59 | |
| Michael Weinbach | Mr Cooper Group | 51 | |
| William Emerson | Rocket CompaniesInc | 61 | |
| Anthony Ebers | Mr Cooper Group | 52 | |
| Tim Forrester | UWM Holdings Corp | 52 | |
| Michael Rawls | Mr Cooper Group | 54 | |
| Desiree Elwell | Guild HoldingsCo | 37 | |
Management Performance
| Return On Equity | 0.1 | |||
| Return On Asset | 0.0082 |
Home Capital Group Leadership Team
Elected by the shareholders, the Home Capital's board of directors comprises two types of representatives: Home Capital inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Home. The board's role is to monitor Home Capital's management team and ensure that shareholders' interests are well served. Home Capital's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Home Capital's outside directors are responsible for providing unbiased perspectives on the board's policies.
| John Marsh, Independent Director | ||
| Fariba Rawhani, Senior Vice President Chief Investment Officer | ||
| Mark Hemingway, General Counsel, Corporate Secretary | ||
| Amy Bruyea, Senior Vice President - Human Resources | ||
| Dinah Henderson, Executive Vice President - Operations | ||
| Diana Graham, Independent Director | ||
| Hossein Rahnama, Director | ||
| Santokh Birk, Sr Officer | ||
| Claude Lamoureux, Independent Director | ||
| Alan Hibben, Independent Director | ||
| Robert Morton, CFO | ||
| Robert Blowes, CFO, Executive Vice President | ||
| Christer Ahlvik, Senior Vice President Corporate Counsel, Corporate Secretary | ||
| Yousry Bissada, President CEO, Director | ||
| James Keohane, Director | ||
| Pino Decina, Executive VP of Residential Mortgage Lending | ||
| Edward Karthaus, Executive Vice President of Sales and Marketing | ||
| Don Corriea, Senior Vice President - Commercial Mortgage Underwriting | ||
| Anthony Stilo, Senior Vice President - Internal Audit | ||
| Gary Wilson, Executive Vice President - Underwriting | ||
| Chris Whyte, COO, Executive Vice President | ||
| Robert Mitchell, Independent Director | ||
| James Lisson, Independent Director | ||
| Benjamin Katchen, Senior Vice President - Deposits and Credit Cards | ||
| Martin Reid, President | ||
| Jill MacRae, VP ESG | ||
| Gregory Parker, Senior Vice President Treasurer | ||
| John Harry, Senior Vice President - Commercial Mortgage Lending | ||
| Kevin Smith, Independent Chairman of the Board | ||
| Jacqueline Beaurivage, Independent Director | ||
| William Walker, Director | ||
| David Novak, Senior Vice President Chief Risk Officer | ||
| Lisa Ritchie, Independent Director | ||
| Carol Ferguson, Senior Vice President of Human Resources | ||
| Brenda Eprile, Director | ||
| Brian Mosko, COO and Executive VP | ||
| Gerald Soloway, CEO and Executive Director | ||
| Stephen Copperthwaite, Senior Vice President Relationship Manager | ||
| Laura Lepore, Assistant Vice President | ||
| Brad Kotush, CFO, Executive Vice President | ||
| Paul Haggis, Independent Director | ||
| Susan Hutchison, Director | ||
| David Cluff, Executive Vice President - Enterprise Risk Management and Chief Risk Officer | ||
| Marie Holland, Senior Vice President - Internal Audit | ||
| Paul Derksen, Chairman of the Board | ||
| Victor DiRisio, Ex Officer | ||
| William Falk, Independent Director | ||
| John Hong, Senior Vice President Chief Compliance Officer, Chief Anti-Money Laundering Officer | ||
| Bonita Then, Independent Director | ||
| Sharon Sallows, Independent Director |
Home Stock Performance Indicators
The ability to make a profit is the ultimate goal of any investor. But to identify the right pink sheet is not an easy task. Is Home Capital a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.
| Return On Equity | 0.1 | |||
| Return On Asset | 0.0082 | |||
| Profit Margin | 0.35 % | |||
| Operating Margin | 0.49 % | |||
| Current Valuation | 4.42 B | |||
| Shares Outstanding | 37.87 M | |||
| Shares Owned By Insiders | 0.65 % | |||
| Shares Owned By Institutions | 43.60 % | |||
| Price To Earning | 11.71 X | |||
| Price To Book | 1.07 X |
Some investors attempt to determine whether the market's mood is bullish or bearish by monitoring changes in market sentiment. Unlike more traditional methods such as technical analysis, investor sentiment usually refers to the aggregate attitude towards Home Capital in the overall investment community. So, suppose investors can accurately measure the market's sentiment. In that case, they can use it for their benefit. For example, some tools to gauge market sentiment could be utilized using contrarian indexes, Home Capital's short interest history, or implied volatility extrapolated from Home Capital options trading.
Building efficient market-beating portfolios requires time, education, and a lot of computing power!
The Portfolio Architect is an AI-driven system that provides multiple benefits to our users by leveraging cutting-edge machine learning algorithms, statistical analysis, and predictive modeling to automate the process of asset selection and portfolio construction, saving time and reducing human error for individual and institutional investors.
Try AI Portfolio ArchitectCheck out Risk vs Return Analysis to better understand how to build diversified portfolios. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in bureau of labor statistics. Note that the Home Capital Group information on this page should be used as a complementary analysis to other Home Capital's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try the Price Exposure Probability module to analyze equity upside and downside potential for a given time horizon across multiple markets.
Other Consideration for investing in Home Pink Sheet
If you are still planning to invest in Home Capital Group check if it may still be traded through OTC markets such as Pink Sheets or OTC Bulletin Board. You may also purchase it directly from the company, but this is not always possible and may require contacting the company directly. Please note that delisted stocks are often considered to be more risky investments, as they are no longer subject to the same regulatory and reporting requirements as listed stocks. Therefore, it is essential to carefully research the Home Capital's history and understand the potential risks before investing.
| Idea Optimizer Use advanced portfolio builder with pre-computed micro ideas to build optimal portfolio | |
| Earnings Calls Check upcoming earnings announcements updated hourly across public exchanges | |
| Competition Analyzer Analyze and compare many basic indicators for a group of related or unrelated entities | |
| Stocks Directory Find actively traded stocks across global markets | |
| Portfolio Optimization Compute new portfolio that will generate highest expected return given your specified tolerance for risk | |
| Portfolio Diagnostics Use generated alerts and portfolio events aggregator to diagnose current holdings | |
| Risk-Return Analysis View associations between returns expected from investment and the risk you assume | |
| Money Managers Screen money managers from public funds and ETFs managed around the world | |
| Odds Of Bankruptcy Get analysis of equity chance of financial distress in the next 2 years | |
| Price Ceiling Movement Calculate and plot Price Ceiling Movement for different equity instruments | |
| Pair Correlation Compare performance and examine fundamental relationship between any two equity instruments | |
| Global Markets Map Get a quick overview of global market snapshot using zoomable world map. Drill down to check world indexes | |
| Equity Valuation Check real value of public entities based on technical and fundamental data |