Coventry Capital Inc.
     Interview with the President


Brian F. Spengemann, C.F.A.
Chief Executive Officer
Coventry Capital Inc.

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How can you get high return when the companies you are buying are closely followed by everyone else?

Mr. Spengemann:
I prefer to use issues that are followed by several analysts. I use a range of earnings estimates to construct a price range associated with those earnings expectations and develop a target price. There are several other factors which contribute to the price range, but earnings trend is the starting point.

The target price can move with the upward or downward direction of earnings expectations. The return is a function of the projected earnings expectations.

The direction and magnitude of interest rates and growth of common stock earnings in the aggregate are the key areas of my focus. Stock prices move with the change in earnings growth and that growth is affected by a change in the interest rates, which are the discounting factor in equity prices.

In recent years, inflation has been low. As a result, we have had a stable discount factor during a period of very strong corporate earnings growth. Recent volatility has come from external factors such as the concern for the stability of foreign economies and their impact on the U.S. economy. Of course, if U.S. economic growth is stronger than that with which Federal Reserve is comfortable, there is always the likelihood of intervention by the Federal Reserve to slow economic growth.

What individual factors do you look for in accessing the potential of a company as an investment?

Mr. Spengemann:
Other individual factors include price to sales, price to earnings, price to cash flow, relative market multiples and earnings growth. These factors all converge to develop a trading range for individual issues relative to the S&P 500. I watch these factors on a forward rolling basis. Typically, they are elements that I look for in the research that I use to build a working list of stocks.

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