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Profile - NextCard, Inc. (NasdaqNM:NXCD)
As of 31-Aug-2001
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Location
595 Market Street, Suite 1800
San Francisco, CA 94105
Phone: (415) 836-9700
Fax: (415) 836-9701
Email: investorrelations@nextcard.com
Employees (last reported count): 820
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Analyst Upgrade/Downgrade History
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: Consumer Financial Services
Company Websites
 ·Home Page
 ·Employment
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Ownership
·Insider and 5%+ Owners: 46%
·Over the last 6 months:
 · 8 insider sells; 394.0K shares
  (1.6% of insider shares)
·Institutional: 55% (102% of float)
(180 institutions)
·Net Inst. Buying: 5.24M shares (+15.11%)
(prior quarter to latest quarter)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
NextCard, Inc. is an Internet-based provider of consumer credit. The Company offers an online credit-approval system for a Visa card and provides interactive, customized offers for credit card applicants. The Company's product, the NextCard Visa, is marketed to consumers through its Website, www.nextcard.com. The Company has entered into marketing agreements with Websites on the Internet, and has marketing relationships with Internet-based affiliates, co-branded partners and affinity groups. The Company continues to leverage its technology platform and marketing expertise into new product areas. During the third quarter of 2000, the Company launched its secured card product and the NextCard Instant Finance Network. The secured card provides a low line of credit that is guaranteed by a deposit account at NextBank. The NextCard Instant Finance Network is a technology-enabled financing platform for retail consumer purchases.
More from Market Guide: Expanded Business Description

Financial Summary
NextCard, Inc. is an Internet-based provider of consumer credit, offering an online credit approval system for a Visa card. For the six months ended 6/30/01, total interest income fell 4% to $31.6 million. Net interest loss after loan loss provision totaled $24.5 million vs. an income of $724 thousand. Net loss fell 26% to $31 million. Results reflect a higher provision for loan losses, offset by increased servicing and securitization income and reduced advertising expenses.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY2000 Compensation
PayExer

Jeremy Lent, 40
Chairman, CSO
$688K--  
John Hashman, 41
CEO, Director
470K$2.0M
Yinzi Cai, 34
Pres, COO
399K649K
Bruce Rigione, 43
CFO, Director
--  --  
Robert Linderman, 49
Gen. Counsel and Sec.
--  --  
Dollar amounts are as of 31-Dec-2000 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc.; "Exer" is the value of options excercised during the fiscal year.
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- NasdaqNM:NXCDAs of 31-Aug-2001
Price and Volume
52-Week Low
on 20-Dec-2000
$4.563
Recent Price$8.93 
52-Week High
on 30-Jan-2001
$12.75 
Beta-0.01 
Daily Volume (3-month avg)455.5K
Daily Volume (10-day avg)480.0K
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y]
52-Week Change+5.8%
52-Week Change
relative to S&P500
+42.0%
Share-Related Items
Market Capitalization$476.8M
Shares Outstanding53.4M
Float28.8M
Dividends & Splits
Annual Dividendnone 
Last Splitnone 
Per-Share Data
Book Value (mrq)$3.21 
Earnings (ttm)-$1.33 
Earnings (mrq)-$0.27 
Sales (ttm)$1.50 
Cash (mrq)$3.28 
Valuation Ratios
Price/Book (mrq)2.78 
Price/EarningsN/A 
Price/Sales (ttm)5.94 
Income Statements
Sales (ttm)$80.0M
EBITDAN/A 
Income available to common (ttm)-$70.7M
Profitability
Profit Margin (ttm)-88.4%
Operating Margin (ttm)-47.7%
Fiscal Year
Fiscal Year EndsDec 31
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)-8.30%
Return on Equity (ttm)-34.74%
Financial Strength
Current RatioN/A 
Debt/EquityN/A 
Total Cash (mrq)$174.9M
Short Interest
As of 8-Aug-2001
Shares Short2.03M
Percent of Float7.0%
Shares Short
(Prior Month)
2.28M
Short Ratio4.37 
Daily Volume464.0K
See Profile Help for a description of each item above;   K = thousands;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 30-June-2001)

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