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ORGN - Origen Financial


Hielko

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ORGN is an idea that shares some similarities with GKK (also discussed on this board), but it's a bit easier to understand (for me at least!). The company owns the equity in seven trusts that are backed by housing loans. The trusts all have non recourse debt to the parent. The 2004-A, 2004-B and 2005-A trusts are performing well and have 62.5M in overcollateral (OC) while the 2005-B is close to meeting OC requirements (15M in OC). The 2006 and 2007 trusts are performing poorly and probably have zero value for Origen. Quick overview of the performance of the older trusts:

 

http://alphavulture.com/wp-content/uploads/2012/05/overviewtrusts2.png

 

The company has a 38M market cap at the moment, and the three oldest trusts should be liquidated somewhere in 2014/2015 (when less than 20% of the debt remains outstanding) making it possible to return the 62.5M in OC to shareholders (Origin itself is also in liquidation mode, and has made several dividend payments already since 2010). But a lot of money will be returning earlier since the OC targets are dropping every month, and at the same time the trusts also produce excess cash flow after servicing the debt, so this should be a good recipe for a nice IRR although it's hard to calculate what it's exactly going to be. But I think it should very easily be above 10%.

 

More details at my blog: http://alphavulture.com/2012/05/10/origen-financial-orgn-pk/ and for more reading: the company has also been written up at VIC earlier this year and in 2010.

 

More people here who have looked at this company?

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Hielko:

 

I almost pulled the trigger on this one, but I got distracted by some other things.

 

Do you still have a position in this?

 

How have you done in the year past?  I know it has made several distributions.

 

What is your opinion on it going forward?

 

Thanks!

 

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I don't have a position anymore. I was worried that corporate overhead would take a big chuck of the value of the underlying assets if the company would or could not be liquidated in a relative short time frame. I'm not totally up 2 date with the current situation, but with the stock price going up while the asset base is shrinking I'd guess it isn't very attractive anymore.

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