金十数据6月1日讯，英国央行负责金融稳定的副行长莎拉·布里登在接受《星期日泰晤士报》采访时表 示，英国劳动力市场正在松动，且"反通胀浪潮"仍在继续。布里登表示，工人议薪能力和企业通过涨价 转嫁成本的空间都在下降。4月通胀率升至3.5%仅是"阶段性驼峰"，反通胀可能会持续下去。布里登表 示，2008年后实施的银行隔离规则需"强有力证据"才可调整，因英国作为全球性金融中心面临"海内外 双重风险"。她还表示，在放宽资本缓冲和放松对高风险抵押贷款的限制等领域有促进经济增长的空 间，目前正在就此进行磋商。 英国央行副行长：英国劳动力市场正在松动 "反通胀浪潮"仍在继续 ...

Core Viewpoint - The article highlights that both mortgage rates and gasoline prices in the United States are decreasing, which may have positive implications for consumers and the economy as a whole [1] Group 1 - Mortgage rates are reported to be declining, potentially making home buying more affordable for consumers [1] - Gasoline prices are also on a downward trend, which could lead to reduced transportation costs for consumers [1]

全美房地产经纪人协会（NAR）首席经济学家劳伦斯·云（Lawrence Yun）：目前的美国二手房市场"全 靠抵押贷款利率"。 降低抵押贷款利率对于吸引购房者重返房地产市场至关重要。 尽管房屋库存增加，但我们并没有看到房屋销售增加。 ...

Financial Data and Key Metrics Changes - The company reported net sales of $400.4 million for Q4 2025, a decline of 11.7% compared to the prior year [4][14] - Adjusted EBITDA for the quarter was $47.1 million, representing 11.8% of net sales, down from 12.1% in the same period last year [7][17] - Adjusted net income was $24 million or $1.61 per diluted share, compared to $28.2 million or $1.78 per diluted share last year [17] - The gross profit margin decreased by 160 basis points to 17% of net sales from 18.6% in the prior year [15] - For the full fiscal year, net sales were $1.7 billion, a decrease of 7.5% year-over-year [19] Business Line Data and Key Metrics Changes - Remodel net sales decreased by 10.4% in Q4, with home centers and dealer distributors both declining by approximately 10-11% [14] - New construction net sales decreased by 13.4% for the quarter compared to last year [14] - The home center business saw a low single-digit negative comp, while the pro business reported a positive comp for the quarter [5] Market Data and Key Metrics Changes - Existing home sales fell by 0.5% month-over-month to a seasonally adjusted rate of 4 million in April 2025, with a year-over-year decline of 2% [4] - The NAHB housing market index dropped to 34 in May, marking the lowest level since November 2023 [6] - Single-family housing starts experienced negative comps from January to April [6] Company Strategy and Development Direction - The company focuses on three main pillars: growth, digital transformation, and platform design [10] - Key accomplishments include product innovation, capacity investments, and channel expansion despite a challenging macroeconomic environment [10] - The company is enhancing its manufacturing capabilities and transitioning independent distributor customers to a new brand [11][12] Management's Comments on Operating Environment and Future Outlook - Management expects demand trends to remain challenging, with net sales outlook ranging from low single-digit declines to low single-digit increases for fiscal year 2026 [9][21] - The company anticipates that as mortgage rates decline and consumer confidence increases, there will be a potential for higher ticket home projects [9] - Management highlighted the importance of removing uncertainty related to tariffs for future growth [50] Other Important Information - The company repurchased 1.17 million shares for $96.7 million during fiscal year 2025, representing about 7.5% of outstanding shares [20] - Free cash flow totaled $65.7 million for the fiscal year, down from $138.5 million in the prior year [19] Q&A Session Summary Question: Impact of tariffs on full year guidance - Management indicated that the outlook was significantly influenced by tariffs, estimating a cost impact of approximately $20 million [27][28] Question: Improvement in gross margins - The improvement in gross margins was attributed to operational adjustments made in Q4 following a challenging Q3 [30][31] Question: Revenue guidance assumptions for end markets - The revenue guidance assumes a consistent recovery across both remodel and new construction markets, with expectations for better performance in the second half of fiscal year 2026 [37][38] Question: Cost considerations beyond tariffs - Management acknowledged potential commodity inflation and labor costs as additional factors impacting guidance [44] Question: Savings from facility closure - The closure of a components facility is expected to yield annual savings of $5-6 million in EBITDA [46]

Group 1 - The core point of the article indicates that the MBA 30-year fixed mortgage rate in the U.S. rose to 6.98% for the week ending May 23, up from the previous value of 6.92% [1]

Group 1 - The MBA mortgage application activity index for the week ending May 23 in the U.S. is reported at 235.7, a decrease from the previous value of 238.5 [1]

来看详细报道！ 特朗普"伏击"南非总统 据新华社报道，当地时间5月21日，特朗普在白宫会见到访的拉马福萨时突然展示一些视频和剪报，指责南非 正出现"针对白人的种族屠杀"。对此，拉马福萨当场否认，并指出特朗普所谓南非白人正逃离暴力和"种族主 义"法律的说法站不住脚。 在这场被美国媒体称为"伏击"的会见中，特朗普突如其来的举动，导致本想借此行改善两国关系的拉马福萨大 吃一惊。拉马福萨说，在南非，所有种族都受到暴力事件影响，其中黑人受影响最大。 特朗普，又刷屏了！ 日前，美国总统特朗普在白宫"伏击"南非总统的消息，引发全球关注。 据媒体报道，特朗普当地时间21日在白宫会见到访的南非总统拉马福萨。不过，双方在会晤时发生争执，并 就"南非是否正在发生白人种族灭绝"一事展开激烈辩论。针对在白宫的这场会见， BBC、彭博社等媒体评论 称，这是特朗普对拉马福萨的"伏击"。 同一天，特朗普的另外一则言论，也引发市场关注。特朗普周三在社交媒体发文称，他正在"认真考虑"将房利 美和房地美上市。 另据外媒报道，这一事件证实了拉马福萨一些顾问的担忧，他们曾警告说，拉马福萨正被引诱进入椭圆形办公 室，遭遇类似于乌克兰总统泽连斯基今年早些 ...

Core Viewpoint - The U.S. President Trump is seriously considering the public listing of Fannie Mae and Freddie Mac, which could significantly impact the U.S. housing market and mortgage rates [1][3]. Group 1: Government and Housing Market - Fannie Mae and Freddie Mac are government-sponsored enterprises established by Congress to provide stability and continuous support to the housing mortgage market, enhancing the availability of housing loans [4]. - These two institutions together guarantee approximately half of the existing housing loans in the U.S. and have been under government control since the 2008 financial crisis [3][4]. Group 2: Economic Implications - Trump's statement indicates a renewed focus from the White House on the future of these institutions, with expectations that they may exit federal conservatorship during his second term [3]. - Analysts warn that any structural changes to Fannie Mae and Freddie Mac could pose risks to the U.S. economy and potentially increase mortgage rates, especially in the current environment of high interest rates and low affordability [1][3].

Core Insights - Mortgage rates in the U.S. rose to a three-month high last week, leading to a decline in both home purchase and refinancing applications [1] - According to MBA data, home purchase and refinancing application metrics fell by approximately 5% [1] - The data indicates a weakening real estate market, as high borrowing costs and home prices continue to pose significant barriers for many potential buyers [1]

智通财经5月21日电，美国抵押贷款利率上周升至三个月高点，导致购房和再融资申请双双下滑。美国 抵押贷款银行家协会(MBA)周三公布的数据显示，截至5月16日当周，30年期抵押贷款的合约利率上升6 个基点，至6.92%。锁定前5年利率的可调利率抵押贷款的利率也升至2月份以来最高。MBA数据显示， 购房和再融资申请指标分别下降约5%。 美国抵押贷款利率升至三个月高点 购房和再融资申请双双下滑 ...