MRU Holdings, Inc. (UNCL)

BstratSeattle (98.31) Submitted: 12/13/2007 8:26:27 PM : Start Price: $3.60 UNCL Score: +77.42

High operating expenses, no indication that sales are growing quickly enough to cover the cost of operations. Will eventually plummet into the center of the earth.

gaiachild (94.64) Submitted: 9/8/2007 4:37:59 PM : Start Price: $5.11 UNCL Score: +78.56

spec bear

onlineaces (68.55) Submitted: 7/10/2007 7:04:13 PM : Start Price: $6.45 UNCL Score: +82.59

This is a sub-prime vulnerable stock.

amteague777 (97.36) Submitted: 6/7/2007 4:41:02 PM : Start Price: $6.75 UNCL Score: +77.34

Increasing negative net income 2004-2006. D/E ratio is 5.145. This quarter's ROE is -357.73%. Oh and the P/B is 15.94. I could quote more dire numbers, but I think you get the idea. MRU Holdings has yet to turn a net profit. In its most recent quarter, its net loss widened to $8.3 million, or 44 cents per share, from a loss of $3.4 million, or 23 cents, a year earlier.

jrerickson003 (60.09) Submitted: 3/26/2007 3:41:59 PM : Start Price: $6.90 UNCL Score: +80.63

Piggyback. Sounds like a train wreck!

XMFKhat (87.03) Submitted: 3/21/2007 2:21:59 PM : Start Price: $7.06 UNCL Score: +81.74

See TMF Otter

BrewDood (67.21) Submitted: 3/20/2007 12:48:45 PM : Start Price: $6.82 UNCL Score: +82.10

After poking around in the subprime market, I took a look at this dog. A student aid lender, UNCL claims to have a methodology that will beat Sallie Mae, First Marblehead and others to the punch.

It appears that their loans are more expensive, so that will eventual undo them. Their CEO previously headed eLottery, which had a history of shennanigans.

Looking at their financials, they aren't even turning a positive gross profit. Their balance sheet looks like dog doo. Their methodology won't prove itself for years -- until the first students actually start paying back their loans. In the meantime, UNCL is out some serious dough.

My underperform is based on the fact that UNCL won't be able to hold on for the years it will take for their "matrix" to prove itself.

As if that weren't enough, the market is already skittish enough about the subprime story. With only 15% institutional ownership, how long will they hold on? My guess is not very long. So who's going to buy those shares? Not me.

This one has the potential to go all the way to zilch. Zip. Nada.

FarnamStFool41 (47.03) Submitted: 3/10/2007 5:50:05 PM : Start Price: $6.85 UNCL Score: +82.67

I had been looking to pound on some Sub-prime lender stocks. And then I stumbled onto this small cap Student Loan 'Pre-prime' lender. I want to be betting against this name when those bad loans come home to roost. Thanks to the Over-sized Genius of Gems.

coalcentury7 (66.04) Submitted: 3/1/2007 4:11:27 AM : Start Price: $6.46 UNCL Score: +83.31

im shorting because you guys all have really high scores, and I dont.

BBQPrinceofPork (25.31) Submitted: 2/20/2007 1:47:49 AM : Start Price: $7.18 UNCL Score: +79.75

If a decent subprime lender gets hammered in a tough credit environment, what will a poor pre-subprime lender do? Completely implode? BOOM!

fOOLSONPARADE (98.73) Submitted: 2/19/2007 1:13:58 PM : Start Price: $7.18 UNCL Score: +79.75

Like a pig with wings, some things were not meant to fly including MyRichUncle although I wish I had one.