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Thursday, August 13, 2015

Valeant: A Detailed Look Inside a Dangerous Story Well Told – PARTS I, II & III


Intro


Let me start this off with a brief intro because I think it is needed to understand this write-up and where it comes from.

Most of this post was written many months ago, even before the Valeant (VRX) vs. Allergan (AGN) saga became a national news story. Valeant happens to be a company I reviewed in detail in the past (about 2-3 years ago) and one that I followed closely since then. I first heard of Valeant when the Medicis (MRX) acquisition was announced and, it piqued my interest for the simple reason that I used to work for Medicis in a previous life. This was before I was bit by the value investing bug and dedicated all my energy to the capital markets. I was already long gone by the time the acquisition happened but when the news came out, I thought I should take a look at this company I knew nothing about that apparently was growing by acquiring a bunch of stuff at a dizzying speed.

I never published this write-up for a couple of reasons: 
First, as soon as the hostile AGN deal was announced by VRX and Pershing Square, I found every discussions about VRX that I followed, or got involved in, to be quite heated (and a real pain in the behind) as everybody seemed to have a strong opinion about it and very few seemed to be informed about what they were talking about and I frankly didn’t have time to waste getting myself involved, so for the most part I didn’t.
Second, just like many other write-ups I have sitting on my hard drive, it was nothing more than an intellectual exercise for me and a way to hone my analytical skills that was never intended to be published.

However, I recently realized that many investors I know, both personally and internet message board acquaintances (and at this point I think it would be safe to include almost everyone on Wall Street), have allowed themselves to be misguided by the Valeant story telling machine and I feel like I might have failed them by not warning them as I am positive most of them don’t realize the kind of risks they are taking. So I’ve decided to go back on what I said at the beginning of my first and only published write-up about FFH, you know, the part where I said that it would be my first and only published write-up. So what you’re about to read are my original thoughts, accumulated over the years, that I just spent a couple of days updating to account for developments that have transpired over the last few months.

Given the amount of ground that we’ll cover in our analysis (we’ll spend time with Valeant’s 10-Ks, their presentations, and cover their story from as many angles as possible), it is best if I give you a brief overview of what’s to come: 

PART I: Extremely Brief Background of the Company

PART II: Valeant's 10-Ks - A Frustrating and Troubling Pattern Towards Opacity 
PART III: An Introduction to PowerPoint Investing (or How to Legally Mislead Investors)

PART IV: Unpacking the Valeant Story:
  • The Cash Earnings Fallacy 
  • The Durability Fallacy 
  • Medicis Case Study 
  • The IRR Fallacy, the Stuff Crooks Are Made Of and the Synergy Conundrum
  • Murky Accounting and Warren Buffett's Cockroach Principle 
  • Delusion of Grandeur and The Expert Fallacy 
Part V: Unsolicited Advice From The Desk of AZ Value:
  • Unsolicited Advice from AZ Value to Analysts 
  • Unsolicited Advice from AZ Value to VRX Shareholders 
  • Unsolicited Advice from AZ Value to VRX Management 
Conclusion

All in all, we’re about to embark on a long journey (a very long one). Mostly because of the sheer amount of information that I have to share, but also because I will use the Valeant story to discuss investing in general and try to highlight some of the major mistakes that, in my humble opinion, investors frequently make. Some of which are glaring mistakes when it comes to Valeant and others that are more subtle but equally harmful nonetheless.

So to make it more palatable for you, dear reader, I've decided to release this long-winded analysis in 3 separate installments. The first of which is this very post you're currently reading, it should take us all the way through Part III where we'll take our first look at the dangers of relying on management presentations for analysis.

Hopefully I’ll manage to keep it entertaining as well as informative. 

Alright, enough with the intro, let’s get started.


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PART I: Extremely Brief Background of the Company


I’m going to assume that the vast majority of those interested in reading about Valeant have, at the very least, an overall understanding of their history. So I won’t waste too much of your time going over it again. I will spend enough time analyzing various aspects of their story in deeper details throughout the write-up. For the rest of you, here’s the 30 second elevator pitch version of the VRX story in bullet point form: 
  • February 2008: Valeant (still a California based company at the time) hires Michael Pearson as CEO. 
  • Company has engaged in dozens (well over a hundred) of M&A deals at a dizzying speed since Pearson took over. 
  • June 2010: Merger with Canadian company Biovail. 
    • This merger created the Valeant that we know today, a big part of that being a more favorable tax structure for the combined entity. 
  • Valeant has a modus operandi as far as how a pharma company should be run that can be summarized as follows: 
    • Pharma companies spend too much money on low return R&D so Valeant cuts all the R&D spending of companies they acquire to the bone. 
    • They also claim that, unlike other pharma companies, they have what they call “durable products”. The thinking being that this allows them to not need to spend on R&D as things like patent cliffs don’t affect them. 
    • Valeant also cuts costs heavily in their acquisitions as they often go into a deal promising significant synergies and the restructuring/integration costs incurred have been significant to date. 
  • As a result of their acquisition spree, Valeant has grown considerably in recent years, going from $1B in revenue in 2010 to about $8B in 2014. 
  • However, those acquisitions were mostly made using debt as the company’s debt load went from nearly nothing when Pearson took over to over $17B in 2013, which is a red flags that Valeant bears often point out (a legitimate one in my view). 
  • After dropping to $15B in 2014, the debt load just doubled to $30B+ with their latest acquisition in early 2015. 


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PART II: Valeant's 10-Ks - A Frustrating and Troubling Pattern towards Opacity


Alright folks, now that introductions are out of the way, let’s get into the serious stuff and begin analyzing this company through the eyes of your friend AZ Value. 

The most obvious as well as most talked about aspect of Valeant, is its highly acquisitive nature. Engaging in dozens and dozens of M&A deals, in what seems like the blink of an eye, is just not that common, and quite frankly is something one should watch carefully as it might be a red flag. This, of course, has led many people to levy the accusation that Valeant is nothing more than a dangerous roll-up that needs to keep acquiring bigger and bigger targets in order to hide the underlying fundamentals of their business and deliver the growth they promise the Street.

So this aspect of their story is where any analyst worth his salt should start. Put simply, when analyzing a serial acquirer, your first and most important job as an analyst should always be to get a sense of how those acquisitions are performing once they’re rolled into the parent company.

In my world, analyzing a company always starts and ends with their 10-Ks. They are, for the most part, the only place where you can find a company’s unbiased story being told by their operational performance, so that’s where we’ll begin. We’ll focus our attention on the 2011 and subsequent 10-Ks because prior to the Biovail merger, Valeant wasn’t the same company we’re looking at now and Michael Pearson and his team weren’t calling the shots at Biovail.

Valeant’s most important acquisitions during 2011 are summarized in the table below (the myriad of small ones they do are just not material for our purpose): 


Let’s now take our first look into 10-K disclosures relating to these acquisitions. The first section that I’ll take you to, is in the MD&A under the subtitle “Changes in Revenues”:
(You can click on pictures to make them larger for easier reading)




Let’s use the Sanitas acquisition that I emphasized above to illustrate why I’m showing you this.

I always read annual reports with a notebook next to me that I use to take notes about what I deem to be important stuff for my analysis. In this disclosure, we’re told that Sanitas generated $49.6M in sales after the deal was closed. So to give you an idea here’s what my notes actually looked like:
Sanitas Acquisition Date: 8/19/11 => 134 days under VRX => 134/365 = 37%
Est. annualized Sanitas revenue = $49.6/37% = $135M
With that, I have a very rough guesstimate of what kind of revenue Sanitas would potentially bring in on an annual basis. And from there I can then look for clues about what margins Sanitas generates, what synergies might come with the deal etc. to get an idea of cash flows and profitability to round up my analysis.

Until now all is fine. It’s just the beginning of the analysis of course, but it’s really as simple as that. From there, one would do the same for all the major acquisitions and try to track them the following year and hopefully begin to paint a picture of how well they are performing under VRX.

Next on the agenda is to move to the 2012 annual report to do the same analysis. Unfortunately, as I’m about to show you, the real Valeant begins to show its true face very quickly. And it ain’t pretty. See the same MD&A disclosure for 2012 below: 


I’m sure many of you immediately caught the problem. 

It’s a small change but one that impacts our analysis quite significantly. VRX suddenly decided in 2012 that they would not breakout the revenue numbers for major acquisitions, essentially making it impossible for me to run the same back of the envelope analysis I showed you for Sanitas in 2011. The numbers are now given as a total of $709M for 2011 deals and $281M for 2012 deals.

What really annoys me is that I can’t figure out a reason for this. I understand that companies change their disclosures over time as their business evolves, but there literally isn't any reason at all to suddenly decide not to give the same disclosures as the prior year. It’s not like the number of big acquisitions increased to a level that would make it impractical to give the same level of detail. Here is a summary of the main 2012 acquisitions:



Again, I really can’t find a viable explanation as to why they would suddenly change their disclosures like that, but I’ll tell you what the change accomplishes though, it makes life much harder for someone like AZ Value, who is sitting at home trying to analyze the company; it is suddenly much harder for me to track their acquisitions individually and VRX management knows that. 

Mandatory reminder: With a highly acquisitive company, we have to be able to verify how those acquisitions are actually performing, any analysis that doesn’t do that doesn’t deserve to call itself fundamental.

Now, with that being said, luckily for me, I happen to know my way around 10-Ks a bit and I know that if one keeps reading past the MD&A and into the notes to the audited financial statements, there is a disclosure in there that will talk about business combinations and since I’ve read the 2011 10-K thoroughly, I know that sales figures were disclosed in that footnote.

For instance, this bit of info below disclosed in that footnote in 2011 under the Sanitas section would essentially have done the trick for the rough guesstimate we performed earlier: 



With that in mind, I shouldn't get too worked up about the change in MD&A disclosures since I ought to be able to open up the 2012 10-K and just look for updated info in that footnote to track Sanitas. At least that’s what one would hope, right?

Well, think again, because when it comes to disclosing how much revenue their acquisitions bring in, that’s just not how VRX works. There still is a Sanitas section carried over from the 2011 annual report for sure, but the revenue info I just showed you above has disappeared. They just choose to take it out once they move to a new year for every acquisition. It’s simply gone. So all I’m left with is the knowledge that in the few months post acquisition in 2011, Sanitas brought in roughly $50M, but after that, nothing, your guess is as good as mine as it goes totally opaque.

Let me take a brief moment here to open a parenthesis, so we can talk big picture for a second (we’ll be doing a few of these, so get used to them).

Folks, for those of us who are users of financial statements, there is an extremely important concept that we all rely on to analyze companies. The concept in question is the sequential nature of financial disclosures, it is the reason why we constantly read disclosures in 10-Ks with sentences like:
Company XYZ did such and such for a total of X amount and Y amount in 2013 and 2012 respectively.
And one would hope that the principle and accounting behind the sequential numbers disclosed stay consistent enough so that you can effectively operate a year over year comparison. Although we all probably take it for granted, I can guarantee you that, just like the air you breathe, the moment it’s taken away from you, you’re quickly reminded how crucial that concept is.

Now, let’s actually go hands on to fully illustrate this point using Medicis as an example this time. Here’s the 2012 VRX annual report, go ahead and open it: Valeant 2012 Annual Report

Next, go straight to page 146 – This is page 146 of the pdf document, the annual report page number at the bottom will read “F-24”. 

What you see, at the bottom of the page under “Revenue and Net Loss of Medicis”, is similar to the Sanitas one I showed you earlier. It’s important to note that the Medicis acquisition was completed on December 11 2012, so the $51.2M in revenue you see there is only for about 3 weeks under Valeant ownership. That is pretty much meaningless and useless, we can’t tell anything about the performance of Medicis under Valeant from that small a sample. And please keep in mind, I cannot emphasize this enough, being able to analyze how it is performing is the main goal here, especially since Medicis was Valeant’s biggest acquisition to date at that time.

Let’s move to the 2013 annual report to take a look: Valeant 2013 Annual Report

Now go to page 151 of the document (the annual report page will read “F-31” at the bottom).

What you see, right above “OraPharma” is the end of the Medicis disclosure. The revenue section that was there the previous year is simply gone. Presumably, if they had wanted to keep in the same info as 2012, they would have been asked to also disclose 2013 revenues alongside the $51.2M for 2012 to make sure that readers are provided with sequential comparative numbers, instead of doing that they just took it out. And this happens for every single acquisition they make!

Also noteworthy is that the threshold for them to even disclose the revenue numbers in the first year of acquisition seems to go up every year. While they gave us individual details for nearly all big acquisitions in 2011, in 2012 we only get Medicis and OraPharma and in 2013 we only get Bausch & Lomb even though they had other deals worth hundreds of millions of dollars individually. All those other deals are bundled under one heading making it impossible to tell them apart. So, if you’re lucky enough to even get that information for one of their acquisitions, you only get it for the few months that they own it during the first year and then it disappears.

And there is no need to ask management directly about it as you will be told some generic stuff like:
"Well, we work with our auditors and our board every year to make sure all our disclosures are appropriate and completely transparent, in fact we go above and beyond that"
I have no doubt they can come up with a justification as to why revenue numbers suddenly disappeared, but whatever they might tell you is completely irrelevant to you and I as analysts. Only the two following facts matter:
  1. Is it information that one needs? Yes. One cannot perform a detailed review of an acquisitive company like VRX if zero visibility is provided into their performance post acquisition.
  2. Is it information that the company can easily provide? Of course it is. This is nothing more than revenue numbers, why wouldn’t they want to provide them one might wonder. In fact all we need is that they don’t suddenly change MD&A disclosures, bundling all acquisitions together, and we’d be happy with that. They were already providing that information! 
Another point worth mentioning (I will expand on this later), is that Valeant was the only big pharma company (allow me to emphasize ONLY big pharma company) that adamantly refused to provide some form of product level sales disclosures. I used the past tense because they were the only one up until Allergan called them out on it and they finally started providing product level sales disclosures for their top 20 products (I will show you later why all analysts should be thanking Allergan for this).

Why am I mentioning this? Well, simply because we have to be resourceful and find a way to work around the roadblocks that we’re running into in our attempt at analyzing this company. One of those ways I would use involves this table: 


This table shows the changes that VRX made to its operating/reporting segments over the last few years. I’ve seen others, including Allergan in one of their presentations, point out this gradual narrowing as one of the tools Valeant has used to throw mud in the water for those trying to analyze the company, and I agree with that. Let me tell you why that is so. 

Even if Valeant didn’t want to disclose sales numbers, as you got to know the company, you realized that their various segments were driven by just a few main products. For instance, their Neurology segment was mostly Wellbutrin sales, and their Dermatology segment was Acanya sales to which Retin-A sales were added with the Ortho acquisition, Solodyn with the Medicis acquisition etc. One could kind of track very roughly how those were doing with the segment disclosures and the answers they had to give to analysts regarding each segment during conference calls. And obviously you can tell what happens there at the end right?
Like I said earlier, it’s important to always know that changes are not inherently a bad thing, as long as they’re justified. Businesses evolve and everything about them has to evolve too. So before we pass any judgment we have to see what prompted the VRX management to decide to rearrange their reporting segments under “Developed” and “Emerging” markets.
Here’s the justification given in the 10-K: 
“As a result of our acquisition strategy and continued growth, impacted by the December 2012 Medicis acquisition, our Chief Executive Officer (“CEO”), who is our Chief Operating Decision Maker (“CODM”), began to manage the business differently, which necessitated a realignment of the segment structure, effective in the first quarter of 2013. Pursuant to this change, we now have two operating and reportable segments: (i) Developed Markets, and (ii) Emerging Markets.”
Now, let me tell you one thing, there are very few things that I am 100% certain about in life, beyond the usual death and taxes being guaranteed type of stuff.

Fortunately for us, two of those things happen to be that Medicis was:
  1. A dermatology company, 
  2. Almost all their sales were US sales. Non-US sales were minimal, mostly to Canada. 
With that knowledge, please understand that I find it odd that Medicis would cause them to rearrange their segments like they did since they already had a US Dermatology segment. It makes absolutely zero sense to me. However, it is again fairly easy to understand the effect it has on me as an analyst. It goes from being nearly impossible for me to track how the drugs they acquired are doing individually, to actually impossible for me to do so. This was literally the last tool I had at my disposal and it’s now gone.
You see folks, there is a word in the English language used to describe what I just showed you. That word is “pattern”. I quite frankly do not believe it to be a coincidence that nearly all reporting changes implemented by Valeant somehow result in less transparency. It is of course by design that it is so. 

Now, we’ve officially reached the point of total opacity as far as 10-K analysis and all you can do is rely on conference calls where analysts asking Mr. Pearson and his team questions like:
Analyst X: “Mike, I was wondering if you could give us more color on the Solodyn sales, our data shows a pretty significant drop since you acquired Medicis, any color on that?”
Mike Pearson: “Well, actually, we’re pretty satisfied with the progress, we think we’ve stabilized it and we like the current trend.”
This gibberish means nothing to me at all. If you are satisfied with a current trend, then just give us numbers so we can rejoice with you, if not then your words don’t mean much. Especially since all other pharma companies never had any issue giving detailed numbers.

So what does all this mean for us users of those financial statements? Does it mean that Valeant just gets away with it? Gets to never say a word about revenues of their acquisitions and all is well? I’m sure Valeant would love that, but of course not, it’s not that simple. Analysts covering Valeant will surely ask questions so they have to find a way to provide answers somehow.

Which leads us to Part III of our analysis, an introduction to something that I like to call “PowerPoint Investing”.


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PART III: An Introduction to PowerPoint Investing (or How to Legally Mislead Investors)


Alright, since 10-Ks weren’t of much help, let’s turn our attention to the preferred method of communication for the vast majority of management teams out there, i.e. investor presentations.

Let me start off by showing you the PowerPoint slides that Valeant used to replace the revenue disclosures that are missing in their SEC filings. Take a few seconds to review and get familiar with them then keep reading, we’ll analyze them together afterwards.

2011 Q3 conference call presentation: 


2012 Q3 conference call presentation: 


2013 Q2 conference call presentation: 


Let’s put these aside for a minute so we can talk about life and investing first. 

To tell you the truth, I spent quite some time thinking about how to approach this section. Not because it was hard to debunk the misleading info that Valeant is sharing in these slides, I did that part in a matter of minutes. No, it was because I was surprised to see that many investors (very smart people for the most part), were sharing these slides either with me directly or passing them around on Twitter or various message boards as proof of how well Valeant was doing with its acquisitions.
At first I thought I would spend some time explaining why so many people seem to be easily fooled by Valeant presentations, and go into the psychological biases that are the reason why even very smart people can condition themselves into missing obvious stuff, especially when they “fall in love with a story”, which seems to always be the case with companies like Valeant.
But I decided that it was a topic better left for another time because getting into it would take too much time and it would require that, among other things, I share with you the content of what I consider to be the single most important item sitting on my bookshelf out of the dozens and dozens of books you can find there. It’s a binder I’ve been putting together for a little while now, and to which I make sure to add pages every year. I call it “Charlie Munger and Danny Kahneman on Human Biases”. Maybe I’ll write a piece about that specific topic one of these days (I wouldn't count on it but who knows).

For now, before we get back to Valeant, I’ll just leave you with the advice I give to any beginning value investor (at least those that are foolish enough to listen to me).

First I tell them they should spend maybe a year or two studying Buffett and Graham and all the people that will teach you what fundamental analysis entails. Either they’ll get the core principles of value investing immediately or they won’t, anything beyond that and all they’ll see is an army of parrots that travel the world repeating the same Buffett quotes ad nauseam;
Second, equally as important (if not more), I tell them that they should then spend the rest of their lives studying and drawing conclusions from the teachings of people like Munger, Kahneman or Bob Cialdini, because overperformance or underperformance in investing generally stems from mental lapses; it is rarely due to the fact that one analyst can run a DCF model better than another. Often times when people lose money, because they invested in a grossly overvalued company for instance, they know very well that the company is overvalued, and yet they manage to talk themselves into buying it regardless, because “this time it’s different”

A good place to start is this famous speech called “The Psychology of Human Misjudgment” given by Munger at Harvard University in 1995 https://www.youtube.com/watch?v=pqzcCfUglws – If you go through all the biases he describes in there and make it a point to design a system that would allow you to avoid them as much as possible, I can guarantee that you will be a much better investor over time. But do that another day, we have an analysis to get back to.

Alright, enough waxing philosophical, let’s jump back into our analysis. Let me first bring back the 2013 slide from above: 


Here’s Mr. Pearson’s commentary on this slide, copied verbatim from the conference call transcript:
“As most of you are aware, once a year, Valeant overviews the performance of past acquisitions with our Board of Directors and our investors, reviewing key metrics to evaluate the success of our transactions. On the next 2 slides, we have analyzed all acquisitions that were over $75 million in purchase price and completed since 2008. As you can see, each of our acquisitions is performing extremely well as compared to the revenue forecasted in the original deal model with the exception of Afexa. Fortunately, Afexa and in particular, COLD-FX has rebounded dramatically in 2013. And from a cash flow standpoint, Afexa is now on track as compared to our deal model. I would also like to note the strong performance of Biovail, Sanitas, PharmaSwiss and iNova, which are among the largest transactions over the last 5 years. In aggregate, our acquisitions have grown organically at 12% compound annual growth rate.” 
Seems like what he’s saying/showing makes sense. But it doesn't.
The first time I took a look at this slide, within seconds, my own “inner commentary voice” whispered something like this to my ear in its typical sarcastic tone: 
“Look at that, you’re a $50 billion company with stated goals of becoming a $150 billion dollar company and you want me to look at how fast that 60 million bucks is growing? That’s adorable, how about we talk about the $1.3 billion that is declining instead?”
After one look at that table it was clear to me that, for the numbers above to make sense, the 12% aggregate growth rate had to be the average of the growth rates above, and that is misleading. Here’s a tip that hopefully will make your life easier in the future: 

Among the many arrows that one has to keep in his analysis quiver at all times, are the simplest and most basic rules that govern the world of mathematics. The key, however, is to be mindful that one has to constantly apply them. And here we have an example of one of those simple rules which is: Things like growth and averages are always driven by size.

So next time someone shows you a table like this that is obviously directing your attention towards an aggregate growth number, always remember that you can quickly test it for reasonableness by going up the list and mentally testing the big numbers against the growth number you’re given. If they are significantly off, you should take a minute and investigate further.
If anyone is still not sure what I’m getting at, let me give you an easy widget example:

Say there’s a company, we’ll call it AZ Value Inc., and it sells two products, widget A and widget B, with sales of $900 and $100 respectively, for a total of $1000 in year 1. In year 2, widget A sales drop 10% to $810 and widget B sales increase 30% to $130. Now AZ Value Inc. has $940 in total sales. Here’s a summary: 


Now, if you were to average the -10% and 30% growth rates you’d get an average of 10%. But would you say that AZ Value Inc. as a whole grew by 10% from year 1 to year 2? Of course not. The correct way to look at this is to compute a weighted growth rate: 



Obviously this is the correct answer because to go from $1,000 to $940, sales declined by 6% as opposed to growing by 10% “on average”

If you go back to the VRX slide, you can very easily run the same brief mental test I ran the first time I saw that table to determine if 12% is reasonable. Just identify the big numbers under 2013 forecast, you’ll notice that between the two of them, Biovail and Medicis account for nearly half of the total amount and they’re either not growing or actually declining. And if you look at the deals that follow Biovail and Medicis in size, you’ll see that Pharmaswiss, Inova and Dermik are all either below 12% or also declining. And by now you’ve blown way past 50% of the total amount. In short, just like that, in about 10 seconds anyone can see that the 12% makes no sense. And if you were to take all the CAGR numbers and average them, you’d get the 12% we’re given. When a more correct representation of the overall growth would look like this: 



Anyone reading this can of course test this, all you have to do is grow the 2013 sales numbers of each acquisition one more year using the CAGR provided by Valeant and see if the $3,249 total has grown by 6% or by the 12% they’re telling us. And if you’re wondering whether the Valeant folks are aware of this difference, of course they are. It’s like asking me if I’m aware that AZ Value Inc. made $940 and not $1,100 in year 2 of our widget example.

And just like that, in a matter of minutes we just cut the growth rate they were claiming in that 2013 table by half. Pretty cool isn’t it? Guess what? We’re just getting started, because I don’t believe that 6% either.

Alright, let’s move from how the information is presented to us to the actual content of the slides.

In my opinion, the key difference maker in good fundamental analysis is effort. It’s always nice to bring that extra bit of IQ or skillset to the table, but really it’s all about the effort you put in. I’ve been in situations where I had to sit on my behind and read hundreds of pages of disclosures to find one little piece of valuable information buried in a footnote that not many people had taken the time to read, and that just boils down to whether you’re willing to spend that much time reading boring disclosures or not, because nearly everybody is capable of doing it, but almost no one is willing to do it.

Unfortunately, one thing that makes analyzing Valeant very tough is that the overwhelming majority of their acquisitions are private companies with no reported numbers before being bought by VRX. As we saw in Part I, even for prior public companies you will probably only have historical numbers as Valeant refuses to divulge any information in their 10-Ks once they are acquired. Regardless, you still have to do it, you still have to go and read past annual reports of the companies they’ve acquired, if you can find them, to get a sense of what it is they are buying (at least, I know I did).

With that being said, it seems as if every now and then, the Investing Gods reward your previous efforts by making it as easy as this: http://lmgtfy.com/?q=Sanitas+AB.

Yes, this time it really was as easy as using Google to run a search for “Sanitas”. If you think back to our part I, there is a reason why I chose to use Sanitas for my example when we were analyzing Valeant’s 10-Ks. I wanted to get everybody used to that name because it will play an important role in our analysis, a very important role.

Brief overview:
Sanitas is a Lithuanian company that, before being acquired by Valeant in August 2011, was publically traded on the Vilnius Stock Exchange (technically called The NASDAQ OMX Vilnius if anyone is wondering). Even though Valeant’s management will swear that it is a rare gem – like they always do for anything they acquire – there is absolutely nothing special about Sanitas, it’s anywhere between a barely OK to a crappy European pharma company selling generics and branded generics in the Central and Eastern European region (most of their sales are in Poland). Actually, there is one unique aspect about Sanitas. When I went to look at their website hoping that maybe there would be something useful to be found there, I noticed something unusual on the investor relations page where they publish all their interim and annual reports.
Right there, staring back at me, were annual reports for both 2011 and 2012 available for download. At first I thought it was a mistake and didn’t believe it myself. How could this be possible? Sanitas was acquired by Valeant in August 2011. Why in the world would they file 2011 and 2012 annual reports?
Well, first things first, I had to cover the basics:
  • Were they audited? Yes, Deloitte was their auditor prior to the acquisition but PriceWaterHouseCoopers, being Valeant’s auditor, signed off on both 2011 and 2012 financials, albeit they issued qualified opinions. The opinions were qualified for a couple of items that don’t really affect our analysis but any investor should read them anyways. 
  • Were they translated into English? Also a yes. (Thank God!). 
By the way, if you go on their website right now you won’t find the annual reports because they finally got around to removing them. It took them quite a while to do it and I used to check every other month or so and was always surprised that they were still there. But don’t worry, I knew it would happen and had made sure to download them, so for anybody bored enough to want to read them you can find them here: Sanitas Annual Reports. Really nothing to write home about as far as the company itself except for this one important factor: those annual reports provided me with a set of audited financial statements for a company after it had been acquired by Valeant. This allowed me to verify some of the claims they make, which for me was a bit like finding the Holy Grail at the time.

As for why they filed those annual reports, as far as I can tell the answer has to do with ownership of shares. VRX first negotiated the acquisition with all the funds that were major shareholders in Sanitas to buy roughly 90% of all the shares outstanding. After that they were allowed to initiate a mandatory tender offer or “squeeze-out” of the remaining shareholders, which they did. But for some reason a tiny portion of the shareholders (0.6% to be exact) held out in 2011, which presumably meant that, under their rules, they still had to file audited financial statements because the company wasn’t 100% private. The following two tables are from Sanitas’ 2011 and 2012 annual reports: 


And surprisingly, they went the whole of 2012 with that tiny 0.6% still outstanding:



It wasn't until after Q1 2013 that Sanitas stopped reporting, presumably because Valeant finally bought out the remaining shareholders. So like I said earlier, sometimes the Investing Gods will throw you a bone and hold out 0.6% of a mandatory tender offer in order for you to have actual numbers to use in your analysis.

Before we jump back into the numbers, let me add one last thought to illustrate my little rant about effort from a few paragraphs ago. You see, Sanitas’ financials were in their local currency, the Lithuanian Lita, which meant that once I got my hands on them I had to manually transpose years of those financials into Excel and convert them into USD to analyze them. It’s not that it’s a hard thing to do, getting average exchange rates for the income statement and spot rates for the balance sheet is very easy. It just takes a little bit of effort.

Fast forward many months after that, I found myself using Capital IQ for the very first time to look up a company I was reviewing when the thought came to me that I should run a search for Sanitas and see what comes up. To my surprise the 2011 and 2012 numbers were available for anybody to look at. Already converted into USD and everything. The point I’m trying to make here is that all this information was always a few clicks away for everybody with this kind of access. As a matter of fact you can fire up your Bloomberg terminals or log into your Capital IQ account right now and run that search and you will find all the Sanitas financials and annual reports I’m talking about. And yet I haven’t seen anyone, not a soul, bringing this up as a way to at least make an attempt to check the veracity of some of the numbers VRX has fed analysts over the years, while I, on the other hand, had to (figuratively) go to Vilnius - Lithuania to find it.

Right now we’re about to do a very brief check on basic top line revenue numbers, but later in the analysis I will show you how this information can be used in a much more damning way to disprove Valeant claims (so stay tuned). The key point here, again, is that analysts at big funds or big firms that publish sell side reports always had access to information that I personally didn’t and yet they somehow never used it. This, in a nutshell, is exhibit A for why the Efficient Market Hypothesis is an asinine concept.
Alright, back to the numbers. Here are Satinas’ actual revenue numbers for the 5 years 2008 – 2012:



And if we compare these numbers to those provided by Valeant: 
2011 sales per Valeant: $147M. That’s a pretty big difference from the actual of $125M, almost 20% off.
2012 sales per Valeant: $144M. Again, a pretty big difference compared to the $128M actual sales numbers. 
So at the very least we know for a fact that, as far as Sanitas is concerned, the numbers those slides are providing us are constantly higher than the actuals. Not exactly in line with how Valeant always says that they are conservative with all their forecasts, hence why they always beat them. Also noteworthy is the fact that the 2011 and 2012 estimates were given on November 3rd and November 2nd respectively so having a 20% discrepancy with less than 2 months to go to close the year is almost impossible in an industry where companies are supposed to constantly be on top of what is in the channel because products have to be manufactured ahead of time.
Of course if you’re really thorough you could also go back to the time of the acquisition to look at what Valeant was saying about Sanitas to compare it to reality. Little excerpt from this (http://prn.to/1I7P0Ft) news release announcing the deal: 
"Annual revenues for Sanitas are expected to be over EUR100 million in 2011, with an approximate revenue growth rate in the low double digits over the coming years.”
The expected €100M revenue would have been around $140M when converted into dollars which is still above actual revenues but more importantly and more telling to me is the little blurb where they claim double digits revenue growth in the coming years (this is a recurring theme with Valeant as we’ll see a lot during our analysis). I don’t know about you but there is nothing about those sales numbers from 2008 to 2012 that says double digit growth to me.

Alright, let’s put Sanitas aside for now, we’ll get back to it later I promise.

Let’s say you didn’t go through the effort of finding Sanitas’ financials to get actual audited numbers you can compare with the VRX slides. Well, in my eyes, if you’re an analyst paid to analyze VRX, you still don’t get a pass. Analysts shouldn't just buy everything they’re shown without even trying to independently verify whether or not it makes sense. And there are many ways to do that just using common sense. Let me give you an easy example of how I would think through whether what I’m being shown is reasonable or not:

Let’s use the Medicis numbers that we’re given in the 2013 slide. We’re told that Medicis sales grew from $745M to $753M.

One key historical fact about Medicis to be aware of is that 50% to 60% of all the money that they brought in was from sales of their acne drug Solodyn. Here are tables from analyst reports on Medicis published right before the completion of the acquisition that give us historical sales (focus on the Solodyn line item): 

Deutsche Bank report published: 08/09/2012 



JP Morgan Report published: 08/09/2012 



RBC Capital Markets report published: 08/09/2012 


As a reminder, the Medicis acquisition was closed in December 2012. 

In 2011, all 3 analysts had Solodyn sales at roughly $370M. Their estimates for 2012 sales ranged from $322M to $330M and for 2013 the average of the 3 estimates was $358M and sales were expected to rise thereafter. 

Well, in 2013 as soon as Valeant acquired Medicis, Solodyn sales began collapsing pretty rapidly. Here are a few excerpts from various VRX conference calls throughout 2013: 

2013 guidance conference call on 1/4/2013
“(…) We are also projecting SOLODYN sales of $250 million to $275 million in 2013, and we believe this is a conservative assumption. (…)” – Howard Schiller 
“(…) When we mentioned or when we talked about when we acquired Medicis, we talked about taking a very conservative approach to the revenues and the forecast, and so we continue to do so with SOLODYN. As Howard mentioned, we would hope to beat those numbers, but we thought it was useful for our investors to know what were -- what was the basis of SOLODYN revenues that we included in the budgeting process we went through. So again, we would hope that over the course of the year that would prove to be conservative. (…)” – Michael Pearson
JP Morgan Healthcare Conference on 1/8/2013:
“(…) As we mentioned last week, we've included $250 million to $275 million for SOLODYN, which we believe is conservative. (…)” – Howard Schiller 
Q1 2013 Earnings Call on 5-2-2013:
“The other brands that are showing on the slide are Ziana and Solodyn, which are performing at budget, and Zyclara, which is performing behind budget.”– Michael Pearson
Goldman Sachs Annual Global Healthcare Conference on 6-11-2013:
“(…) I'd say Solodyn and Ziana are running according to plan. (…)” – Howard Schiller
Q2 2013 Earnings Call on 8-7-2013:
“(…) Just a couple of product-specific questions. Just first on Solodyn, what's your level of confidence that you can return that to a meaningful growth? Or should we be thinking of that asset as something where you'd probably wind down promotion on as we get closer to generic entrants in 2018 and 2019? (…)” – Question by David Amsellem, Piper Jaffray Companies
“Now Solodyn has been an important product for us. And we will continue to promote Solodyn. It's promotionally sensitive, stabilized at this point and [indiscernible] a lot of money for us. And it's one of our largest, if not probably our largest product. And so we're not going to be backing off on Solodyn. And in fact, the recent trends are positives. (…)”  – Michael Pearson
And suddenly in Q3, the truth begins to come out:

Q3 2013 Earnings Call on 10-31-13:
“(…) Solodyn, while seeing some erosion this year, appears to have stabilized at roughly $200 million on an annualized level. (…)” – Michael Pearson 
“(…) And on Solodyn, you talked about $200 million for stabilization level, earlier in the year I think you got into high 200s or mid to high 200s. Is there still some price flexibility there, or there other things you're doing to still achieve that given that, that may be the most important asset that came with Medicis?” – Question by Gregory B. Gilbert, B of A Merrill Lynch
“(…) This relates to Solodyn, I believe we said originally it would be about $250 million. We're clearly seeing some erosion. We believe it's been stabilized. We're exploring opportunities to continue to grow that. (…)” – Howard Schiller
Alright, let’s recap what we've just learned about Medicis and Solodyn during 2013.

So the year began with Valeant “conservatively” forecasting Solodyn sales of $250M to $275M. Before we go any further I’d like to point out that even the high end of that estimate is about 17% below 2012 sales and 24% below the 2013 sales that were projected by analysts following Medicis.
And then they went on to spend more than half the year saying that Solodyn was performing in line with their budget before eventually admitting that it had been far below that and “stabilized” around $200M. Again, that final $200M level would be about $130M below 2012 sales or a 40% drop and $158M below 2013 sales that were projected by analysts.
Add to that other facts like another important Medicis product, Vanos, going generic in 2013 or another one like Zyclara that came with Medicis acquiring Graceway before the Valeant deal being “behind budget” according to them and all this leads me to ask this simple question: 

How is the statement “Medicis sales grew from $745M to $753M” possible because that’s what that table on the 2013 slide tells us.

The product that made up 50%+ of Medicis sales collapsed by $130M, another one went generic and somehow sales still managed to grow.
There simply wasn't any way Medicis could have made up the Solodyn collapse by growing another product. To me it’s really incredible to think that an analyst would have looked at that table and not questioned how those numbers made any sense. And yet they didn’t, at least not publicly as far as I can tell. So like I said earlier, in my mind, not having the Sanitas annual reports still doesn't absolve any analysts from being critical. 

Alright, now a brief apology because I imagine many among you have had enough of those slides/tables and want to carry on with the analysis so I have to ask you to bear with me and understand that I wasn't kidding when I said that I saw a lot of people using those slides as proof of “how well the acquisitions are doing”, so I want to (figuratively) kill them once and for all with the hope that nobody will ever send them to me again. 

So, with that in mind, one more thing. 

Here’s something strange going on in those tables that I’m sure many of you noticed, (focus on the LTM prior to close columns): 



Pretty weird to see that trailing twelve months sales numbers PRIOR to the deals even closing are changing so much isn’t it? I think it’s awfully convenient to see that for instance as the 2012 Sanitas sales forecast is adjusted down to $144M from the previous year’s estimate of $147M, the trailing twelve months sales number BEFORE even acquiring the company is adjusted down by Valeant from $139M to $120M allowing them to show a nice (read fictional) 12% CAGR. 

Let me first say that I think the idea behind those changes is that Valeant is adjusting for currency fluctuation to show the numbers on a “constant currency basis”. And that is not uncommon, most companies will do this as to show the growth/decline excluding fluctuations in exchange rates. However most companies do not go back and adjust historical numbers like this, they usually adjust the current period to reflect what the numbers would look like if the prior year exchange rates were maintained, but the answer shouldn’t be affected by that anyways. What is really striking is the magnitude of the changes, a drop from $254M to $221M is a pretty big one if the explanation is exchange rates only. 

Of course, as always, our concern here should be whether or not there is a way for us to verify these changes. So, can we test these numbers? Well, the answer is a bit complicated in my opinion. It’s both yes and no. 

Yes because if all we had to do is just test one currency then it would be easy to see if the change is reasonable or not. It’s as easy as knowing how to type www.oanda.com

Take Pharmaswiss for example, knowing that the company operates mostly in the Euro zone and if we were to assume that they do most of their business in Euros then we could test the drop from $254M to $221M and see if we can get a number that is somewhat in the ballpark. It would only take a few steps:
  1. We know that Pharmaswiss was acquired in March 2011 and we’re told that the previous 12 months sales were $254M at the time.
  2. So we can go and get the average exchange rate between the Euro and the USD for March 2010 until March 2011 which would be 0.7553.
  3. From there we can convert back the $254M to the original amount in Euros, which would give us about EUR192M.
  4. Next step is to get the average exchange rate for the current period (that is first 3 quarters of 2012), which would be 0.7793, and then apply that to the EUR192M and the adjusted sales figure we’d get would be $246M. So the adjustment would have been to go from $254M to $246M instead of $254M to $221M, Which is a pretty big difference. 
However, like I said earlier, it’s probably not that easy because Pharmaswiss operates in numerous countries and presumably currency adjustments involve more than the Euro so there really isn’t a way for us to know for sure. But again, what we can tell for a fact is that those adjustments are pretty drastic and opportunistic as far as helping mitigate a downward revision of estimated sales figures in dollar terms. This is another testament to how important 10-Ks are because if those numbers were presented in a 10-K as opposed to being a PowerPoint presentation then we’d all have more confidence in them. 

As a matter of fact, let me take a brief moment and use my blog to run a public service announcement. Actually, let's call it an advertisement: 
What I want to advertise is not a product nor a service. It’s a document. A document that everybody knows but unfortunately many people overlook. That document is the “10-K”, also called the annual report, cool kids just call it the “K”. You see folks, on top all the information they give us, like audited financial statements and stuff, there is a VERY important factor that makes the 10-K the single most important document in financial analysis. And that factor is that in countries like ours we have securities laws passed by Congress, which means that the entire U.S. Justice System stands behind that document. Put simply, those who lie in 10-Ks eventually end up in front of a judge explaining themselves. 
If you think back to Part I, it’s no surprise that we had such a hard time finding numbers that would allow us to do our analysis like we wanted to. The Valeant folks aren’t crazy, they would never put in their 10-K that Sanitas made $147M in 2011 when they know very well that it was more like $125M. So what do they do instead? They give you those numbers in these nice presentations with the disclaimer that these are just “Estimates”. And estimates can be wrong, can’t they? 

Actually, if you’re like me, there probably is something that made you uncomfortable as soon as you started reviewing those tables; if you go back to all three of them (one last time, I promise) and just focus on the headers you’ll see that there is something that is constantly missing. How often is it that you analyze a company that gives you the same information every year and yet they never give you an “Actual”? Every year we get an estimate coupled with a compounded growth rate based on that same estimate but never what the actual numbers were the previous year. I reckon we’d all be capable of computing CAGRs on our own if given actual numbers. Here’s a nice little quote to live by for all you analysts out there: 
“Always be wary when management gives you growth numbers without giving you numbers!” 
Before we move on to the next episode in our analysis, let me share with you the last straw as far as these slides are concerned. Some of you may be wondering why I haven’t shown you the 2014 tables. Well, in true Valeant fashion, that table is no more. I, for one, anxiously waited for the 2014 version of these tables in Q2, Q3, and Q4 to no avail. I really wanted to see what kind of numbers Valeant would cook up for us this year but they decided they had shown us enough, never mind that Mr. Pearson always introduced those tables by saying that they were part of an annual review of performance of their acquisitions that they present to the Board of Directors as well as shareholders. 
I guess those tables are no longer part of the review then. Fair enough. It’s not like I really trusted them anyways.

So here’s my advice to all the people who have based themselves on these slides, and many other that we're yet to go over for that matter: 
  1. Please do yourselves a favor and stop. 
  2. Throw them in the garbage, where they belong. You aren't learning anything from them at all. They’re just a way to legally mislead you. If Valeant wants us to take their numbers seriously my advice would be that they start including them in their 10-Ks. 

Alright folks, for those of you still following, I have good and bad news. The bad news is that even though we've already covered quite a bit of ground, we still have a ways to go, we've barely scratched the surface believe it or not. However, the good news is that I think the next chapter in our Valeant journey will be the most important, so you have that to look forward to I guess.

You've certainly noticed that we haven't done anything other than try to confirm basic top line revenue numbers for the companies that Valeant acquires.

My goal in this first episode was simply to set the stage and show you what kind of animal we're dealing with in Valeant. I did that by pointing out how many red flags one can raise simply by trying to answer that simple and yet fundamental question about revenue because companies like Valeant that continuously make acquisitions can easily hide a lot of stuff as long as they keep acquiring bigger and bigger targets.

In our next installment, Part IV, we're going to cast a wider net and take on the whole Valeant story. All of it! (so be ready for it to be an even longer post)
We'll tackle valuation and their use of non-GAAP measures, we'll tackle claims they make about their products, claims they make about their returns and much more. As a reminder, here's the outline of what is coming up next:
PART IV: Unpacking the Valeant Story
  • The Cash Earnings Fallacy 
  • The Durability Fallacy 
  • Medicis Case Study 
  • The IRR Fallacy, the Stuff Crooks Are Made Of and the Synergy Conundrum
  • Murky Accounting and Warren Buffett's Cockroach Principle 
  • Delusion of Grandeur and The Expert Fallacy 

They've built a whole fantasy about how exceptional they are and it is time it stopped before investors get really hurt. 

Until next time, please be careful everybody and I bid you all good investing.


AZ Value

368 comments:

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  2. very interesting and well done!!

    ReplyDelete
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    2. PLEASE READ: My name is Grace Curran, I would like to talk about an experience that has been of great help to my business and my family in general, after I lost my husband. Just last month I suffered a great loss in my business that got me in so much debt, I couldn't help it. I was at the verge of being homeless and loosing my business due to bad credit and debts. I became so desperate that I didn't know where to get help, I couldn't get a loan from banks and other financial institution I contacted due to my bad credit. Then I set out to seek other alternative, where I got scammed of $3,100. Until I read about Juan Limited. where I got a loan without stress. I now have a decent credit, my debt paid and my business running more than ever and my credit fully settled. You can as well reach them at: juanfinanceltd@gmail.com or call/ text: (802) 242-0036, for more Information. All thanks to God almighty and the management of Juan Limited for making this come through. I am sharing this so that everyone who are in need can be a part of it.

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  3. Fantastic post. I briefly looked into Valeant months ago but I quickly passed because I didn't trust management. Look forward to the next entry!

    ReplyDelete
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  5. Excellent Analysis, I quickly become your fan! The computer shows VRX short term 2 bullish and 11 bearish events when analyzing the stock graph, is this on your Short Candidate List?

    ReplyDelete
  6. All the shorts that followed any intimation of fraudulent accounting are broke.
    Thanks for muting me on twitter. I've enjoyed this long for quite some time.
    Nothing is forever but I've banked plenty of coin on your twitter short scheme,
    Baldwin United notwithstanding

    ReplyDelete
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      Delete
  7. Thank you for sharing your analysis, I look forward to Part 2

    ReplyDelete
  8. Thx for the lesson!

    ReplyDelete
  9. This is probably the best analysis by a VRX's detractor that I come across. Well done. Just a little something that I came across which I found confusing some time ago when they release their latest 10Q. See pg 14 (https://www.sec.gov/Archives/edgar/data/885590/000088559015000064/valeantq22015.htm), the pro forma revenue. The first 6 months numbers YOY proforma revenue both shows a decrease.

    But yet, here's the 10Q from 1Q, pg 10 (https://www.sec.gov/Archives/edgar/data/885590/000088559015000032/valeantq12015.htm), the first 3 months show an increase.

    Kind of impossible to square up the both reports.

    ReplyDelete
  10. One reason for adjusting the pre-deal sales numbers down (rather than adjusting current sales using prior exchange rates) is that it makes those deals look smaller. Notice that all the deals are below their "12%" CAGR. I normally wouldn't be so skeptical, but when they are dumb enough (wink, wink) to calculate an incorrect CAGR, I wouldn't put anything past them.

    ReplyDelete
  11. Thanks for a well written and researched report AZValue! I understand that the classic roll up strategy is buying a company at say 10 P/E for say $100, when you are trading at 15 P/E. Now suddenly the earnings of the acquired company get a 50% boost in the sense that your market cap goes up by $150. Voila! you have created $50 in value out of thin air! Right?
    But what confuses me is this. Pearson has about $600M tied up in VRX stock. Believing his own "lies"?
    Also,
    VRX's Revenue per share has been going up. This is good right?

    Year 2006 2007 2008 2009 2010 2011 2012 2013 2014
    Revenue per share (millions) 1067.72 842.82 757.18 820.43 1181.2 2427.5 3480.4 5769.6 8263.5
    Diluted Share count (millions) 160.5 161.03 159.73 158.24 195.8 326.1 305.4 321 341.5
    Revenue per share 6.65 5.23 4.74 5.18 6.03 7.44 11.40 17.97 24.20
    %change in revenue per share -21% -9% 9% 16% 23% 53% 58% 35%
    %change in revenue -21% -10% 8% 44% 106% 43% 66% 43%

    ?

    ReplyDelete
  12. Fantastic work! Looking forward to the next piece!

    ReplyDelete
  13. I would rank this analysis right up there with the best that I have seen of any company.

    It is also humbling to me about the level of effort required for proper analysis.

    ReplyDelete
  14. Very intriguing and well-written. Need to see more for a proper takedown. When does part II drop?

    ReplyDelete
  15. I hear all the arguments, yet when I look who owns the stock, you see some really smart people, so it doesnt square up. Like or dislike ackman but he does do his homework.

    ReplyDelete
  16. Fantastic work! I really like how you included your internal thoughts as you were going through things. I can relate. Can't wait for the next piece!

    I haven't been comfortable with the 10-K's either. I'm also skeptical when a company takes on so much debt in such a short period of time. Especially when it is relatively short term in nature, less than 10 year maturities.

    ReplyDelete
  17. Very interesting piece. You certainly raise some points to look closely at.

    ReplyDelete
  18. One thing to note. Could the pre-close numbers be low for the acquired company because V tells them to hold sales? While it shouldn't be done, maybe it is? This will artificially lower the sales prior to close and then inflate them (when weeks worth of sales come in) post-close. This will give V a nice boost and help with the story that they accelerate the growth of these products. I have heard rumors that this is a tactic employed. This can be quite an effect. Say a deal closes July 1. If a company hold for even 2 weeks prior to close, that will reduce sales for the year under them by 7% and bump up V's sales by 7%. That is a big swing. I have seen some articles that suggest this happens.

    ReplyDelete
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      Delete
  19. I'm not sure that Sequoia and Greenberg and Ackman don't understand the acctg at Valeant, but I guess we will find out!

    ReplyDelete
  20. For the U.S. to get involved stating that price of certain product has gone up 1000%, this it's going on for years, the problem for VRX started with BOTOX and I do have this strangest feeling that the CEO of BOTOX as something to do in this. Don't fregat VRX is a Canadian Comp.

    ReplyDelete
  21. Parts I-III here are a lot more solid than part IV which the commenters explain

    ReplyDelete
  22. "I'm not sure that Sequoia and Greenberg and Ackman don't understand the acctg at Valeant, but I guess we will find out!"

    Add Value Act and Lou Simpson et al...

    Sure they do and they are part of the greedy schemers - now caught in the fraud with their pants down. What a shame, they should be on trial too !

    ReplyDelete
  23. Hey AZ Value,

    There's been a lot of news and heavy trading in this security since this post. Is it time for your next part yet?

    ReplyDelete
  24. Looking forward to listening to Pearson, et. al with fresh ears during their Q3 2015 conference call on 19 October, 8:00 AM EST; and thanks for providing some guide posts, AZ Value. (Hope you will weigh in with some post-game analysis.)

    ReplyDelete
  25. from a different site -

    Jublia is less effective (15% cure rate) than applying vicks vaporub (28% cure rate) http://www.ncbi.nlm.nih.gov/pubmed/21209346 and costs $20K per person http://www.peoplespharmacy.com/2015/02/16/jublia-fights-nail-fungus-at-a-price/ yet is now a $450M/year drug!

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    Subsidizing co-pay is illegal (as it shouldvbe) for patients on government sponsored plans yet is legal when it comes to commercial plans.

    ReplyDelete
  26. This is great work. Wish analysts 'read' and 'analyze' rather than lapping up management led presentations. VRX does not just stop with financial gimmicks - but does have some questionable business practices too. The link below has an interesting story - perhaps one of the reasons for the stock drop.....

    http://sirf-online.org/2015/10/19/hidden-in-plain-sight-valeants-big-crazy-sort-of-secret-story/

    ReplyDelete
  27. Has anybody seen parts 4 and 5 of this report?

    ReplyDelete
  28. It was amazing to read your post on VRX. I didn't know about this company until last Friday November 06, 2015. Thank you so much for providing this detailed information.

    ReplyDelete
  29. Valent is trying to discredit your work. Their dubious explanations are located at http://www.valeant.com/Portals/25/PDF/151108%20Rebuttal.pdf. I hope you have some fun with this.

    ReplyDelete
  30. Interesting reading about investing things.

    ReplyDelete
  31. Hi, i read your web blog. it is too good.
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    Sales and Acquisitions

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  32. Is Chris DeMuth and his 20m hedge fund still trying to take Valeant down? If he had such a big following of investors why is his face constantly all over Seeking Alpha? I guess if he were to end up being right, it would be easier to raise money. Maybe he should just buy lottery tickets.

    ReplyDelete
  33. Fantastic post. Look forward to the next entry!

    ReplyDelete
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  52. Hello my name is Evelyn, yesterday i applied for a Emergency loan from Capital Funding, and the same day i applied i receive my loan in my BOA Bank account so i will advise people out there that need Emergency loan for the kinds should apply from the company because they are Legitimate and guarantee loan company email: (acgbusinesscompany@gmail.com) for more details.

    ReplyDelete
  53. I am Hans Kussy from singap i have never seen a legitimate lender like this before i have been scam by different lender and a friend introduc me to Mr Akim Lim he gave me loan of S$60,000SGD without stress contac him akimlim_loanfirn19@yahoo.com

    ReplyDelete
  54. Good day my Dear brothers and sisters, I am a Reputable, Legitimate & an accredited money Lender. I loan money out to individuals in need of financial assistance. Do you have a bad credit or you are in need of money to pay bills? i want to use this medium to inform you that i render reliable assistance as I'll be glad to offer my Services which include;*Refinance *Home Improvement*Auto Loans*Debt Consolidation *Line of Credit*Second Mortgage*Business Loans*Personal Loans*International Loans If interested kindly apply via email;. Upon Response, you'll be mailed a Loan application form to fill.(No social security and no credit check,100% Guaranteed!) I Look forward permitting me to be at your service Contact us via email:erivanloancompany@yahoo.com

    ReplyDelete
  55. Hello ,
    Am Mrs Cynthia corvin . Am a lady with a great testimony I live in USA and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave happiness to me and my family, i was in need of a loan of $360,000.00 to start my life all over as i am a mother with 2 kids I met this honest and GOD fearing man loan lender that help me with a loan of $360,000.0.Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs cynthia corvin, that refer you to him. contact Mr.Zuraib,via email:- islamicfinancial01@gmail.com

    ReplyDelete
  56. nice post keep doing more and search here best FHA loan services in Florida and Connecticut

    ReplyDelete
  57. HOW I GOT A LOAN BY BRYAN ROLAND

    I’m Bryan Roland by name, i want to use this medium to alert all loan seekers to be very careful because there are scam everywhere, Few months ago I was financially strained, and due to my desperation I was scammed by several online lenders. I had almost lost hope until a friend of mine referred me to a very reliable lender called Mr Roy Smith ( A God fearing man) who lend me a loan of $145,000 under 72 working hours without any stress. I explain to the company by mail and all they told me was to cry no more because i will get my loan from this company and also i have made the right choice of contacting them i filled the loan application form and proceeded with all that was requested of me and to my shock I was given the loan, If you are in need of any kind of loan just contact him now via: barclaysloanservice247@yahoo.com,

    I‘m using this medium to alert all loan seekers because of the hell I passed through in the hands of those fraudulent lenders.

    Thanks you Barclays Loan service for your help.


    ReplyDelete
  58. Do you need a loan/financial assistance ? We can help you secure your
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    Name: Sex: Country: Phone Number: Amount: Duration:

    Note : All loan interested applicants should send their replies to :
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    ReplyDelete
  59. HOW EDWARD LOAN COMPANY GRANTED ME A BUSINESS LOAN!!!
    Hello everyone, I am Oliver Johnson Moore from Zurich Switzerland and want to use this medium to express gratitude to EDWARD JONES for fulfilling his promise by granting me a loan, i was stuck in a financial situation and needed to refinance and pay my bills as well as start up a Business. I tried seeking for loans from various loan firms both private and corporate organisations but never succeeded and most banks declined my credit request. But as God would have it, i was introduced by a friend named Lisa Rice to EDWARD JONES LOAN COMPANY and undergone the due process of obtaining a loan from the company, to my greatest surprise within 28hrs just like my friend Lisa, i was also granted a loan of $387,000.00; So my advise to everyone who desires a loan, "if you must contact any firm with reference to securing a loan online with low interest rate of 2% and better repayment plans/schedule, please contact EDWARD JONES LOAN COMPANY. Besides, he doesn't know that am doing this but due to the joy in me, i'm so happy and wish to let people know more about this great company whom truly give out loans, it is my prayer that GOD should bless them more as they put smiles on peoples faces. You can contact them via email on {Jonesloanfinance@yahoo.com} or Text +1(307) 241-3712

    ReplyDelete
  60. TESTIMONEY OF TRANSFORMATION WITH THE HELP OF LEXIELOANCOMPANY@YAHOO.COM
    I am writing this Testimony because am really grateful for what MARTINEZ LEXIE did for me and my family when I thought there was no hope he came and make my family feel alive again by lending us loan at a very low interest rate of 2%, well I have been searching for a loan to settle my debts and bills for the past months all I met scammed and took my money total 6,500usd until I finally met a God sent Lender. I never thought that there are still genuine lenders on the internet but to my greatest surprise i got my loan form this great company without wasting much time, so if you are out there looking for a loan of any kind for business or other purposes i would advise you to email Mr MARTINEZ LEXIE via: ( Lexieloancompany@yahoo.com ) OR text: +18168926958 and be free of internet scams. thanks… Jenny Hills Alcott Resident: Los Angeles California, United State

    ReplyDelete
  61. Are you in any financial problem? Do you need quick loans to clear your debit and get back to business. Please do provide us with the following below via Email:dereknels
    onloanfirm@gmail.com APPLICATION FORM * Name Of Applicant: * Country: * Sex: * Age: * Occupation: * Amount Requested: * Loan Duration: * Loan Purpose: * Phone Number: All mail should be send to our private email:
    Contact Email:dereknelsonloanfirm@gmail.com
    Thanks

    ReplyDelete
  62. Hello, this is Home bridge financial Service. A reputable, legitimate & accredited lender. We give out loan of all kinds in a very fast and easy way. We offer both commercial loan, business loan, Debt Consolidation, student loan or any kind of loan of your choice at 2% interest rate. If you are Interested get back to us on this Email address homebridgefinance@usa.com With the following information's below:.

    Name:
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    Duration of loan :
    Monthly Income:

    ReplyDelete
  63. HOW I GOT MY LOAN FROM A REAL AND LEGITIMATE LOAN COMPANY

    Hello Everyone, I Celina Wheels a single mom from California USA, will like to share this great testimony on how i got my loan from P.F.C LIMITED...CEO Mr Richard when we were driven out of our home when i couldn't pay my bills anymore, After been scammed by various companies online and denied a loan by my bank and other some other credit union i visited. my children were taken by the foster care, i was all alone in the street. Until a day i shamefully walked into an old school mate who introduced me to Mr Richard Brown the CEO of P.F.C LIMITED BASED IN INDIA. At first i told her that i am not ready to take any risk of requesting a loan online anymore, but she assured me that i will received my loan from them. On a second thought i took due to my homelessness i took a trial and applied for the loan, luckily for me i received a loan of $50,000.00 from( richardbrownservices34@gmail.com ). Am happy i took the risk and applied for the loan. my kids have been given back to me and now i own a home and a business of my own. All gratitude goes to Mr Richard for giving a meaning to my life when i had lost all hope...

    Please forward your application to him: richardbrownservices34@gmail.com

    ReplyDelete
  64. Do you need a Loan? if yes please email us now at charles_din@hotmail.com with the below information filled

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    ReplyDelete
  65. Hello ,
    Am Mrs Cynthia corvin . Am a lady with a great testimony I live in USA and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave happiness to me and my family, i was in need of a loan of $360,000.00 to start my life all over as i am a mother with 2 kids I met this honest and GOD fearing man loan lender that help me with a loan of $360,000.0.Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs cynthia corvin, that refer you to him. contact Mr.Zak,via email:- feroozsuptoo@outlook.com

    ReplyDelete
    Replies
    1. MOORE LOANS SAVE ME WHEN THERE WAS NO HOPE {mooreloancompany@yahoo.com}

      Hello everyone in this forum, I am Luis Root from USA, I cannot believe that God really exist not until i was Redeemed and saved from Financial bondage.. l was into financial crisis and needed to pay some bills. l tried seeking help from banks but all to no avail,l also tried seeking help from the internet only to meet scammers who pretended to be private lender and made away with my $15000 and did not get my loan, not until GOD introduce me to Moore Robbinson through a friend who was rescued from financial problem and a loan of $100,000.00 was granted to him by Moore Robbinson, so l took his advise and contacted Moore Loan Company and in the space of one week my loan of $200000 was granted to me.so my advise to everyone seeking for loan at low interest rate of 2% .l am doing this because l am so happy am out of financial bondage and am once again full of joy and life is easy all thanks to GOD and Moore Robbinson. You can contact Moore Loan Company via {mooreloancompany@yahoo.com} OR Text (414) 454-9493

      Delete
  66. GOOD NEWS!

    To properly introduce myself,
    My name is NADIRA MUHAMMAD of [NADIRA MUHAMMAD LOAN COMPANY]

    I am a private lender, my company provides loans of all kinds with an interest rate of 2% only. It is a financial opportunity at your door step, apply today and get your quick loans.

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    ReplyDelete
  67. Welcome to HENRY LOANS COMPANY
    ( henryloanscompany@yahoo.com )
    Henry loans Company Provide offer loan
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    FORWARDED TO THIS EMAIL:( henryloanscompany@yahoo.com )
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    Yours In Service,
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    We offer all kind of categories of loan they
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    When it comes to financial crisis and loan then Henry loan financial is the place to go, Good Luck.......................

    ReplyDelete
  68. "HOW SIR BERRY LOAN COMPANY GRANTED ME A BUSINESS LOAN!!!: EMAIL, ( bnunoloans@yahoo.com ) GRANTED ME A BUSINESS LOAN!!!

    Hello everyone, I am Oliver Johnson Moore from Zurich Switzerland and want to use this medium to express gratitude to SIR BERRY for fulfilling his promise by granting me a loan, i was stuck in a financial situation and needed to refinance and pay my bills as well as start up a Business. I tried seeking for loans from various loan firms both private and corporate organizations but never succeeded and most banks declined my credit request. But as God would have it, i was introduced by a friend named Lisa Rice to SIR BERRY LOAN COMPANY and undergone the due process of obtaining a loan from the company, to my greatest surprise within 28hrs just like my friend Lisa, i was also granted a loan of $387,000.00; So my advise to everyone who desires a loan, "if you must contact any firm with reference to securing a loan online with low interest rate of 2% and better repayment plans/schedule, please contact SIR BERRY LOAN COMPANY. Besides, he doesn't know that am doing this but due to the joy in me, i'm so happy and wish to let people know more about this great company whom truly give out loans, it is my prayer that GOD should bless them more as they put smiles on peoples faces. You can contact them via email on { bnunoloans@yahoo.com }

    They offer all kind of categories of loan they
    Short term loan ( 5_10 years)
    Long term loan ( 20_40 )
    Media term loan( 10_20 )
    They offer loan like
    Home loan............., Business loan........ Debt loan .......
    Student loan..........,Business start up loan
    Business loan....... , Company loan.............. etc
    Email..........( bnunoloans@yahoo.com )

    ReplyDelete
  69. I am Sam Toh i was in need of a loan of S$60,000 and was scammed by those fraudulent lenders and a friend introduce me to Mr Akim Lim,and he lend me the loan without any stress,you can contact him akimlim_loanfirm19@yahoo.com

    ReplyDelete
  70. How I Got My Loan From A Genuine And Reliable Loan Company

    My name is Mrs SMITH STEPHANIE. I live in Malaysia and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of $100,000,00 and was scammed by those fraudulent lenders and a friend introduce me to MR IBRAHIM MUSA,and he lend me the loan without any stress,you can contact him at (powerfinance7@gmail.com)

    1. Your Full names:_______
    2. Contact address:_______
    3. Country Of Residence:______
    4. Loan Amount Required:________
    5. Duration:_____
    6. Gender:_____
    7. Occupation:________
    8. Monthly Income:_______
    9. Date Of Birth:________
    10.Telephone Number:__________

    Regards.
    Managements
    Email Him at: powerfinance7@gmail.com

    ReplyDelete
  71. Do you need a quick long or short term loan with a relatively low interest rate as low as 3%? We offer business loans, Personal Loans, home Loans, Auto Loans,Student Loans, Debt Consolidation Loans...Contact us now: pastorjosephloanfirm@gmail.com

    ReplyDelete
  72. Do You Need a loan…..?
    Contact Michael Financial Service , a private money lenders and also in
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    Financial assistance at a low rate of 3%. With Red Cross loan
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    Apply with details.

    1. Your names:
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    (International or National)

    Contact Person: Mr Michael
    E-mail: michaelnordmannloanfirm@gmail.com

    ReplyDelete
  73. Do You Need a loan…..?
    Contact Michael Financial Service , a private money lenders and also in
    real estate management. Here comes a good loan offer for all those who
    needs
    Financial assistance at a low rate of 3%. With Red Cross loan
    Improvement, you can say goodbye to all your financial crisis and
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    Apply with details.

    1. Your names:
    2. Amount Needed:
    3. Your country:
    4. Loan Duration:
    5. Your address:
    6. Phone Number:
    7. Monthly Income:
    8. VALID ID:
    (International or National)

    Contact Person: Mr Michael
    E-mail: michaelnordmannloanfirm@gmail.com


    Do You Need a loan…..?
    Contact Michael Financial Service , a private money lenders and also in
    real estate management. Here comes a good loan offer for all those who
    needs
    Financial assistance at a low rate of 3%. With Red Cross loan
    Improvement, you can say goodbye to all your financial crisis and
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    Apply with details.

    1. Your names:
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    5. Your address:
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    7. Monthly Income:
    8. VALID ID:
    (International or National)

    Contact Person: Mr Michael
    E-mail: michaelnordmannloanfirm@gmail.com

    ReplyDelete
  74. Do you need an urgent financial loan? * Very fast and direct transfer to your bank account * Repayment starts eight months after you get the money bank account *With a Low interest rate of 2% * Long-term repayment (1-30 years) * Flexible loan terms and monthly payment *. How long does it take for me to be financed? After submitting the loan application You can expect a preliminary answer less than 24 hours. And funding in 72-96 hours after receiving your information, . Contact us today legitimate and licensed company authorized giver of financial assistance to anyone. For more information and loan application, email: William_Pham2020@yahoo.com.
    Best regards William Pham.

    ReplyDelete
  75. Do you need an urgent financial loan? * Very fast and direct transfer to your bank account * Repayment starts eight months after you get the money bank account *With a Low interest rate of 2% * Long-term repayment (1-30 years) * Flexible loan terms and monthly payment *. How long does it take for me to be financed? After submitting the loan application You can expect a preliminary answer less than 24 hours. And funding in 72-96 hours after receiving your information, . Contact us today legitimate and licensed company authorized giver of financial assistance to anyone. For more information and loan application, email: William_Pham2020@yahoo.com.
    Best regards William Pham.

    ReplyDelete
  76. Do you need a loan .We are Legitimate and guarantee loan lender. We are a company with financial assistance. We loan funds out to individuals in need of financial assistance, that have a bad credit or in need of money to pay bills, to invest on business. I want to use this medium to inform you that we render reliable beneficiary assistance as We'll be glad to offer you a loan Contact us via Email: hmloans2@gmail.com

    ReplyDelete
  77. Do you need a loan .We are Legitimate and guarantee loan lender. We are a company with financial assistance. We loan funds out to individuals in need of financial assistance, that have a bad credit or in need of money to pay bills, to invest on business. I want to use this medium to inform you that we render reliable beneficiary assistance as We'll be glad to offer you a loan Contact us via Email: hmloans2@gmail.com

    ReplyDelete
  78. Do you need a loan .We are Legitimate and guarantee loan lender. We are a company with financial assistance. We loan funds out to individuals in need of financial assistance, that have a bad credit or in need of money to pay bills, to invest on business. I want to use this medium to inform you that we render reliable beneficiary assistance as We'll be glad to offer you a loan Contact us via Email: hmloans2@gmail.com

    Services Rendered include

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    Write back if interested with our interest rate of 4% annual. Contact us via Email: hmloans2@gmail.com

    Please Note: All interested individual must send a message to our email for urgent response and details to obtain a Loan.

    Best Regards.
    Email: hmloans2@gmail.com
    +15175650123

    ReplyDelete
  79. WE OFFER ALL KIND OF LOANS APPLY FOR AFFORDABLE LOANS.

    ADAM FRED Loan Company is a well established finance company who are committed to providing our customers and suppliers with simple and competitive forms of finance solutions for all business users. An independent finance house and brokerage specializing in vendor finance schemes.

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    we give out loan with an affordable interest rate of 2% Do
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    Yours Sincerely,

    We look forward to hear from you ASAP

    ReplyDelete
  80. Are you tired of seeking loans and Mortgages,have you been turned down constantly By your banks and other financial institutions,We offer any form of loan to individuals and corporate bodies at low interest rate.If you are interested in taking a loan,feel free to contact us today,we promise to offer you the best services ever.Just give us a try,because a trial will convince you.What are your Financial needs?Do you need a business loan?Do you need a personal loan?Do you want to buy a car?Do you want to refinance?Do you need a mortgage loan?Do you need a huge capital to start off your business proposal or expansion? Have you lost hope and you think there is no way out, and your financial burdens still persists? Contact us (gaincreditloan1@gmail.com)

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    Contact Us At : gaincreditloan1@gmail.com
    Phone number :+44-75967-81743 (WhatsApp Only)

    ReplyDelete
  81. AFFORDABLE LOAN OFFER

    Hi,
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    Contact us by email: Blessingfirminvestor@gmail.com

    ReplyDelete
  82. Good-Day I am CHESTER BRIAN,C.E.O of this reputable & accredited loan Company who gives life time opportunity loans. We give out all kinds of LOAN in a very fast and easy way, Personal Loan, Car Loan, Home Loan, Student Loan, Business Loan, Investment Loan, Debt Consolidation, And MORE. Have you been rejected by banks and other financial agencies? Do you need a consolidation loan or a mortgage? Search no more as we are here to make all your financial problems a thing of the past. We loan funds out to individuals & company in need of financial assistance at a rate of 2%. No social security Number required and no credit check required, 100% Guaranteed. I want to use this medium to inform you that we render reliable and beneficiary assistance and we will be glad to offer you a loan, So if interested in acquiring a loan of any kind email us today at: via: {Brianloancompany@yahoo.com } OR text (803) 373-2162 and also contact there webpage via brianloancompany.bravesites.com

    ReplyDelete
  83. This comment has been removed by a blog administrator.

    ReplyDelete
  84. HOW I BECOME A BONA-FIDE MEMBER OF THE GREAT ILLUMINATI:
    I am a very happy person today because i am now a full and bona-fide member of the great ILLUMINATI. I want to quickly Say a big thanks to Brother James Watt the agent of the brotherhood who introduced me to becoming a member of the great Brotherhood brothers and sisters here is my story. I was told by a friend that to become a member of the brotherhood is Very difficult, so i was thinking that i can never get the right link to join because i was scammed by three people whom i meant on the Internet and they promised to help me join but they never did. They collected my money and i was never initiated into the brotherhood. Until i was introduced to Brother James Watt and he told me the truth that those in USA Don’t pay any money from their pocket to become a member of the Illuminati, and i am an American. so i was very Interested i called the temple messenger number i was given it was +1(617)663-8926 when i called, the temple messenger Told me what i need to do, i did it and i was initiated i did not pay a dine from my money to become a member. But i was told that those living outside USA may have to do certain things for the purchase of their initiation materials. But those living within the square of USA don't pay a dine. I followed all instructions and after my initiation, I was given all the benefit of becoming a member. As i talk to you am very okay and my future have been settled. I am well protected and i am wealthy and famous. Please if you wish to become a member of the great Illuminati contact Agent Brother James Watt on the Devil Church, (illuminatikingdom56@gmail.com) or those in the USA can call or text directly the Temple messenger on +1(617)663-8926. Those in other countries outside the USA can contact the international agent on call Or WhatsApp +2348166739726. And generally anyone who wishes to become a real member can send email to (illuminatikingdom56@gmail.com) Become a member today and enjoy the benefit of life.

    ReplyDelete
  85. *FOXX Financial Loan Offer*

    We give out loan at the rate of 3% interest rate, if you are interested for a loan, you are here by
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    FULL NAMES:
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    By replying with these details to (foxx.loanfinancialaid@gmail.com),
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    Mr. Howard M Colleman .
    ...

    ReplyDelete
  86. I am Armando Taylor, a private money lender. I give out loans with an interest rate of 2% per annual and within the amount of $1000.00 to $500,000,000.00 as the loan offer. 100% Project Funding with secured and unsecured loans are available. We are guaranteed in giving out financial services to our numerous clients all over the world. With our flexible lending packages, loans can be processed and funds transferred to the borrower within the shortest time possible. We operate under clear and understandable terms and we offer loans of all kinds to interested clients, firms, companies, and all kinds of business organizations, private individuals and real estate investors. Just complete the form below and get back to us as we expect your swift and immediate response. EMAIL:(armandotaylorloanhome@gmail.com)

    Attention!!!

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    Phone Number+1 412-329-4367

    1. Full Names:……………………….
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  87. I am Armando Taylor, a private money lender. I give out loans with an interest rate of 2% per annual and within the amount of $1000.00 to $500,000,000.00 as the loan offer. 100% Project Funding with secured and unsecured loans are available. We are guaranteed in giving out financial services to our numerous clients all over the world. With our flexible lending packages, loans can be processed and funds transferred to the borrower within the shortest time possible. We operate under clear and understandable terms and we offer loans of all kinds to interested clients, firms, companies, and all kinds of business organizations, private individuals and real estate investors. Just complete the form below and get back to us as we expect your swift and immediate response. EMAIL:(armandotaylorloanhome@gmail.com)

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  135. Hello everyone I am mr francis anderson from usa, I am giving a testimony on how I joined the illuminati brotherhood, I was trying to join this organization for so many years now,I was scammed by fake agent in south Africa and nigeria,I was down,I could not feed my self and my family anymore and I tryed to make money by all miss but all avail, I was afraid to contact any illuminati agent because they have eat my money.One day I across a post of someone giving a testimony, thanking a man called Paul mark of being helping him to join the illuminati brotherhood, then I look at the man email and the phone number that was written there, it was a nigeria number I was afraid to contact him because a nigerian agent eat my 5,000$ and go away with the money then I was very tired, confused and I decided to contact the person that was given the testimony and i called him and I communicated with him on phone calls before he started telling me his own story about when he wanted to join, he told me everything to do, then I made up my mind and called the agent called paul mark and he told me everything to do, and I was initiated, surprisedly I was given my benefit of being a new member of the great illuminati brotherhood I was so happy,For those of you trying to join this organization this is your opportunity for you to join CONTACT MR PAUL MARK call (+2348135574788 or WhatsApp him +2348135574788 or email: illuminatiworldoffamous@gmail.com

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  140. MOORE LOANS SAVE ME WHEN THERE WAS NO HOPE {mooreloancompany@yahoo.com}

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  145. Hello Everybody,
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  146. I was searching for loan to sort out my bills & debts, then I saw comments about Premier Lending Company. I doubted thus but decided to give it a try by contacting there email website https://tinyurl.com/ybbac5ly they responded with their loan terms and conditions on how it works. i'was assured that the loan $50, 000 instant will be credited into my account so I applied for a loan & paid the processing fee to obtain the loan. 72 hrs later, I was shock to see that my account has been credited} I got my mortgage and I paid for my husband surgery and thank God today is good and he can walk now and is working and the burden is no longer so much on me more and we can feed well and my family is happy today, I said to myself that I will mourn aloud in the world of the wonders of God to me through Premier Lending Company I advise anyone in genuine and serious need of finance should contact the on there website https://tinyurl.com/ybbac5ly for more info on how to obtain a loan from them.

    ReplyDelete

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  148. Guaranteed loan offer

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  149. Do You Need An Urgent Loan? Are You Financially down ? Do you need a loan to pay off your bills or buy a home Or Increase your Business ? Apply for a loan now and get approved. We can finance up to the amount of $50,000,000.00 (fifty million USD). Contact us for your instant loan process. Email.. highclassloanfund@gmail.com

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  150. Hello Everybody,
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    Hello Everybody,
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    ReplyDelete
  151. Good Day Ugent New year Loan Seeker,
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  152. Good Day Dear New year Loan Seeker,

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  153. VICTIM OF SCAMS BUT NOW A VICTOR THROUGH JOSH LOANS FINANCIAL SERVICE joshloancompany@gmail.com OR +1(215)-874-8060

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  154. Good Day Everyone,
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    ReplyDelete
  155. VICTIM OF SCAMS BUT NOW A VICTOR THROUGH JOSH LOANS FINANCIAL SERVICE joshloancompany@gmail.com OR +1(215)-874-8060

    Helen Truong is my name from 1731 Hilltop Haven Drive, Red Bank, NJ 07701 USA. It lifts my heart to actually use this medium to save innocent people who would have fallen into the wrong hands in quest to obtain an online loan. With all humility I want to personally warn all online loan seekers to be very careful while trying to get a loan, because it is no news that scammers are rampant everywhere all over the internet claiming to offer loan. I was a victim before now and I solemnly hope that you are a victor if you care to take my word of advise. Few months ago I was financially strained, and due to my desperation I was scammed by several online lenders. All hope was nearly lost until a co-employee suggested 'JOSH LOANS FINANCIAL SERVICE' an online reliable and trustworthy lender for me, as I was almost at the edge of taking my life considering a loss of about $83,000; As God would have it, I applied for a loan from 'Josh Loans Financial Service' under Cynthia's (co-employee) recommendation and WOW in less than 72 working hours I got a credit alert confirming that my account has been credited with the loan fund of $220,000.00 which i originally requested. If after loosing much God has shown me light with the help of 'JOSH LOANS FINANCIAL SERVICE', you too without doubt can as well obtain a loan from this reputable lending institution. IN ALL, if you, your relation or any closed person desperately need a loan, DO CONTACT or help that soul to communicate with JOSH LOANS FINANCIAL SERVICE via email on joshloancompany@gmail.com OR text/call them on +1(215)-874-8060

    ReplyDelete
  156. We are an organization set up to help people in need of
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    ReplyDelete
  157. We are an organization set up to help people in need of
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  158. HAPPY NEW YEAR FROM US AT THE WINONA MILLARAY LOAN AGENCY AS WE WISH YOU A PROSPEROUS AND A HAPPY NEW YEAR



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    Hello Everyone,



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    Regards,

    Pastor Mrs Winona Millaray .
    Director of Operations

    ReplyDelete
  159. Are you looking for a loan to clear off your dept and start up your
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    ReplyDelete
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  163. MOORE LOANS SAVE ME WHEN THERE WAS NO HOPE {mooreloancompany@yahoo.com}

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    ReplyDelete
  164. MOORE LOANS SAVE ME WHEN THERE WAS NO HOPE {mooreloancompany@yahoo.com}

    Hello everyone in this forum, I am Luis Root from USA, I cannot believe that God really exist not until i was Redeemed and saved from Financial bondage.. l was into financial crisis and needed to pay some bills. l tried seeking help from banks but all to no avail,l also tried seeking help from the internet only to meet scammers who pretended to be private lender and made away with my $15000 and did not get my loan, not until GOD introduce me to Moore Robbinson through a friend who was rescued from financial problem and a loan of $100,000.00 was granted to him by Moore Robbinson, so l took his advise and contacted Moore Loan Company and in the space of one week my loan of $200000 was granted to me.so my advise to everyone seeking for loan at low interest rate of 2% .l am doing this because l am so happy am out of financial bondage and am once again full of joy and life is easy all thanks to GOD and Moore Robbinson. You can contact Moore Loan Company via {mooreloancompany@yahoo.com} OR Text (414) 454-9493................

    ReplyDelete
  165. Hello every one, i am a happy man today because of OAKTREECAPITAL COMPANY who gave me an loan of $250,000.00 to settle some debts and start a new business and am asking everyone in need of loan to contact them via : oaktreecapital1l@hotmail.com OR cell number +1 (919)375-2749

    ReplyDelete
  166. Hello All

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    ReplyDelete
  167. Are you looking for a loan to clear off your dept and start up your own Business? have you being going all over yet not able to get a legit loan Company that will loan you? Here is your final solution, We can give you any amount you need provided you are going to pay back within the period of time given without any problem. Apply now and contact us for more details via email below. Email:michaelsmithloanfunds@gmail.com or text or call us on;+18305415524

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    ReplyDelete
  168. Are you looking for a loan to clear off your dept and start up your own Business? have you being going all over yet not able to get a legit loan Company that will loan you? Here is your final solution, We can give you any amount you need provided you are going to pay back within the period of time given without any problem. Apply now and contact us for more details via email below. Email:michaelsmithloanfunds@gmail.com or text or call us on;+18305415524

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  169. Do You Need a Loan? Are you in Urgent Need of funds? Then we are here to help
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  170. Do You Need a Loan? Are you in Urgent Need of funds? Then we are here to help
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  171. Do You Need a Loan? Are you in Urgent Need of funds? Then we are here to help
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  172. Attn: We are lending Company located in United States, and we offer from $50,000 to $500 million and above. We have be existing for the pass 19 years here in united States, we are fast and save, we deliver within few hours to you anywhere in the world.. Do please contact the CEO. President of this Company on his private email for processing the loan amount requested. Thanks and God bless. Mr. John CEO/President United States of America Email: homeofhelp01@gmail.com

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  175. Hello All

    This is Tarsha, I want you to know that I just received my loan of $25,000.00 from Larry Finance, after I was let down by other lenders, i saw a post from Mr. Paul Hector on how they helped him also, i quickly applied, and they Have really put a smile on my face, now I can take good care of my business and others personal needs, you can contact them for your loan because they are simply the best. Any serious Applicant can reach them with this email via larryfinance@yahoo.com or phone number: +1 (580) 301-8495

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    Tarsha Crowns

    ReplyDelete
  176. I am so happy for the new blank card that was sent to me to
    withdraw the maximum of $5,000 daily via (melisapetersonhackers@gmail.com).
    I am so happy about this because i got mine last week and I have used it to get $150,000. madam Melisa is giving
    out the card to the public though it is illegal but it
    is something nice and she ALSO GIVE LOAN AT THE RATE OF 3%. get yours from madam melisa today! Just send an email
    to (melisapetersonhackers@gmail.com)
    or watsapp +16315383658

    ReplyDelete
  177. Hello My name is roland boose from united state of americal I want to thank Mr mike for helping me with my loan funds of $60,000.00 after been scammed for so long if you are interested in a loan please contact him so that he can also help you too his loan do not take long in 24 hours time my loan was in my account anyone that need an urgent and trusted loan should contact him now he is a God sent and a good person his email is mikekinsloanfirm@gmail.com

    ReplyDelete
  178. Hello My name is roland boose from united state of americal I want to thank Mr mike for helping me with my loan funds of $60,000.00 after been scammed for so long if you are interested in a loan please contact him so that he can also help you too his loan do not take long in 24 hours time my loan was in my account anyone that need an urgent and trusted loan should contact him now he is a God sent and a good person his email is mikekinsloanfirm@gmail.com

    ReplyDelete
  179. Hello My name is roland boose from united state of americal I want to thank Mr mike for helping me with my loan funds of $60,000.00 after been scammed for so long if you are interested in a loan please contact him so that he can also help you too his loan do not take long in 24 hours time my loan was in my account anyone that need an urgent and trusted loan should contact him now he is a God sent and a good person his email is mikekinsloanfirm@gmail.com

    ReplyDelete