Lending Activity Expected to Pick Up

The ShinesRooms.com Provides Stock Research onCapital One Financial Corp. and Equifax Inc.

New York City, New York -- (April 01, 2013) The Federal Reserve’s ultra-loose monetary policy has boosted lending activity in the U.S. With the Feds expected to keep interest rates at record low levels for a considerable period, lending activity will continue to pick up pace, benefiting companies such as Capital One Financial Corporation (NYSE: COF), and Equifax Inc. (NYSE: EFX). Lending activity had slowed down significantly following the 2009 financial crisis as consumers looked to deleverage, and banks scaled back their lending activity in order to meet capital requirements. However, the Federal Reserve’s ultra-loose monetary policy has boosted lending activity in the last year or so.Access our free reports onCapital One Financial Corp. and Equifax Inc..Traders can also connect to our Wall Street Trading Floor where our research desk and market pros are standing between 8:50 am to 4:15 pm ET athttp://www.ShinesRooms.com/ In February, Equifax Inc. released its National Consumer Credits Report. The report showed that at the end of January 2013, the balances on auto loans totaled $782 billion, which is the highest level since January 2009. The report also showed that total number of existing loans stood at 59 million at the end of January 2013, which is also the highest level since July 2009. Equifax Inc. also noted its National Consumer Credits Report that delinquency rates within the auto portfolio are also improving and by year-end 2012 decreased by nearly 11% from same time a year ago.Equifax Inc.free research is available today at http://www.ShinesRooms.com/EFX040113.pdf Amy Crews Cutts, Chief Economist at Equifax Inc., said back in February auto lending, including leases, is now back to pre-recession levels, driven in part by the very attractive interest rates being offered on these loans and a gradual increase in willingness to lend to less-than-perfect credit borrowers.Lending activity, in general, is expected to remain robust given that the Federal Reserve has pledged to keep interest rates at record low levels. In its most recent monetary policy statement, the Fed had once again reiterated that it will keep interest rates at record low levels until there is a sustained recovery in the labor market.Back in February, Equifax Inc. reported record financial results for the fourth quarter. The company posted revenue of $558.1 million for the fourth quarter, which represents an increase of 9.50% over the same period in 2011. For the full year 2012, the company’s revenue was $2.2 billion, up 10.20% over 2011.Conversely, Capital One Financial Corp. reported its fourth quarter financial results back in January. The company posted net income of $843 million, or $1.41 per share for the fourth quarter, compared to net income of $1.2 billion, or $2.01 per share reported in the previous quarter. Net income for full year 2012 was $3.5 billion, or $6.16 per share, compared to $3.1 billion, or $6.80 per share reported in 2011.Our free research report onCapital One Financial Corp.can be downloaded upon registration at http://www.ShinesRooms.com/COF040113.pdf Gary L. Perlin, Chief Financial Officer at Capital One Financial Corp., said that seasonal expense and margin trends led to a reduction in fourth quarter earnings compared to the previous quarter. Perlin further said that with a few exceptions largely related to these seasonal patterns, fourth quarter 2012 results gave the company a good picture of what to expect in terms of pre-provision earnings in 2013, assuming little change in the external environment. About Shinesrooms.comShine's Rooms is the brain child of David Shine, a 13 year Wall Street veteran with a stellar track record. For 13 years Shine has trained thousands of traders to navigate and profit from the markets. Using cutting edge technology, Shine provides you with a community in which you can trade alongside Shine and his Team as they guide you through the market's ever-changing landscape.ShinesRooms.com is the Ultimate Trading Environment for investors. Over the last 5 years our returns outpaced any of the major indexes. Sign up today to find out what you are missing atwww.ShinesRooms.com To view our DISCLAIMER, visit this linkhttp://www.shinesrooms.com/disclaimer.html. Contact Person:Michael Thomas SmithMarketing Coordinatorinfo@shinesrooms.com

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