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  5. CSU: I already own CSU and GSY at a Full Position, but I like to buy things on sale;) I assume the short position report might hurt GSY for a bit, but if fundamentals are good it should bounce back in s... [Constellation Software Inc.]
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Q: I already own CSU and GSY at a Full Position, but I like to buy things on sale;)

I assume the short position report might hurt GSY for a bit, but if fundamentals are good it should bounce back in short order.

As with CSU, I don't think I would ever bet against it.

I don't need to own more of either, but when good companies move like this, I think there is a good opportunity to make 10-20% on a rebound.

I know that is not good long term strategy, but in this circumstances like this, is it a okay strategy to try and catch the bounce back or is there to much risk.

I would rebalance after the bounce if it comes in short order, but also okay if it becomes a longer term hold.
Asked by Colin on September 24, 2025
5i Research Answer:

We have recent comments on both. With CSU and its subsidiaries, we would prefer to see things settle. Investors have made a lot of money and the sentiment shift could drag on. If CSU reported a weak quarter it would perhaps cause even more angst and selling. We would like to see some price consolidation and to let the nervous nellies exit. 

GSY we think is different. While risk is higher as it is a much smaller company and any lender can experience issues at times, the short report's impact surprised us, considering GSY has been attacked before. Basically US sellers think that the Canadian sub-prime market is like that in the US. It is not. Because of our banking system oligopoly, the sub prime market is much larger (relatively) and GSY has better 'pickings' of credit rather than simply being forced to take what the banks don't want. With the big decline GSY does look like a better bounce candidate today. It has a very long and successful history and we think it recovers from this event in due course.