Sunday, August 9, 2015

Time to Consider Portfolio Protection


Market internals continue to deteriorate and leaves this humble investor wondering if a stock market correction looms on the near-term horizon. Our strategy thus far has been to raise cash through the collection of interest and dividends without automatically reinvesting the proceeds in the hopes of a better entry point. This coming week our investment committee will meet to have a serious discussion about putting portfolio insurance in place should this prove to be the start of a soft patch.

Sector Strength

Over the past six months or so the sectors leading the market have been Consumer Discretionary, Health Care, Technology and Financials.




One measure we like to track is the strength within the strongest sectors by comparing the sector performance (which is a market capitalization weighted measure) versus an equal weighted measure of the same sector constituents. There has been noticeable deterioration in sector leadership within three of the top four performing sectors mentioned above. We commented on lack of leadership in a blog entitled Size Matters as it related to the overall markets and we are finding disturbing evidence that the sector leaders are breaking down internally. It would appear that fewer and fewer of the largest companies are supporting the stock market. This isn’t a bullish signal.











One can see the battle between the bulls and the bears over the past several months as the S&P 500 waffles in a tight trading range. Once the market makes up its mind as to the new trend, the movement will be sudden and sharp in my opinion. I came across a great article from Lance Roberts from the Street Talk blog. He references analysis by Charles Hugh Smith in the blog and shows the indecision of the markets of late. I agree with their analysis that the risks at this point are weighed to the downside. He writes, “While we do NOT know for sure which way the market will break, there is mounting evidence that such a break will likely be to the downside. As my friend Charles Hugh Smith penned recently:”

“"What's "saved" the market seven times in seven months? The usual burps of hot air: the Federal Reserve issued more mewlings (zero rates forever), Greece was "saved" again, China's crumbling stock bubble was "saved" again, and so on."”





“"The problem for bulls is they keep hitting their head on the ceiling after every "save": instead of running to new highs in an extension of the six-year uptrend, the S&P 500 reverses once it reaches the narrow band of recent highs. As soon as the SPX hits this range, somebody starts selling. It's called distribution: the smart money sells to whomever is buying--bot, trader, hedge fund, it doesn't matter, as long as someone takes the shares off their hands. This raises the question: how many more "saves" can there be? How many more times can Greece be "saved" so global markets rally? How many more times can China's imploding stock market be "saved," bailing out global markets again? How many more times can the Fed talk up zero interest rates and put off an eventual click up in rates? History isn't especially kind to the faith that the market can be "saved" every month for years on end. China's authorities and stock market punters are learning this the hard way: when the sentiment has turned, every "save" gets sold by the smart money, and then by the "dumb" (i.e. margined) money as their hopes of new highs are shredded once again. Can markets be saved an eighth time, a ninth time, a tenth time this year? How about next year? Another 12 months, another 12 saves? If the "saves" are going to run out, why wait to be the last sucker holding the bag when the Fed's fetid hot air fails to work its magic?"”

Further Evidence of Coming Market Weakness

Cam Hui, author of Humble Student of the Markets pointed out problem spots within the IPO market as a potential sign of trouble. He writes, “There are trouble signs ahead. Conor Sen recently warned that the market action looked "heavy" and the market is not prepared to accommodate the companies in the IPO pipeline:

Good companies like LinkedIn and Tableau are trading down heavily on good earnings reports. Same to a lesser extent for Facebook – multiples are coming down as valuations shift from revenue multiples to EBITDA and earnings multiples. If 80 unicorns all wanted to go public now, it’s not clear if there are enough I-bankers and underwriters to work the roadshows and make the deals all happen in a short period of time (the whole liquidity problem), to say nothing about prospective investor demand in the public markets.

In a separate post he warned about the health of the IPO market:

Most of the tech IPO’s of this cycle have ranged between disasters and underwhelming. And yet there are 80+ unicorns in the pipeline, all of whom are dreaming of IPO riches to afford a middle class life in the Bay Area. Companies that…are trying to avoid going public as long as possible. While I’m always impressed by the talents of my friends in I-banking, it strains credulity to think that public investors will continue to line up at the trough for IPO’s when so few of them are winners. Watch out for the Square S-1. Box took 6 weeks to go from confidential filing to S-1. If Square takes the same amount of time that’ll be mid-September. Tech market leadership has been thin, with a handful of companies accounting for all of the YTD index gains. If it looks like Square will be a busted IPO that could create a race to the IPO exits for unicorns.

Callum Thomas of AMP Capital also highlighted similar concerns about the health of the IPOs:

IPO (initial public offering) activity can provide clues to a top in the market and the cycle more broadly – but it’s not a perfect indicator. As I was trawling through various datasets and trying to think up new things I thought it worthwhile comparing IPO stats to the SP 500 index to see if it provides any clues. There are some tentative clues but before we discuss the data and charts it’s worth thinking about the logic or intuition. More IPOs mean more supply of stock (all else equal – although it’s not quite equal because strictly speaking you should look at *net* supply - IPOs and capital raisings less buybacks). IPOs also happen in greater frequency in boom times because usually in boom times the economy is going well and it’s much easier for new companies to be successful and thus go on to do IPOs. Also, the pricing is better and the greater market enthusiasm increases the likelihood that the IPO will be successful. So we can therefore say that there will be more IPOs when the market and economy are booming, and if the economy or market stops booming it will be harder to sustain IPO activity. So, we have a supply argument and a cycle argument that says there should be information in IPO activity. In terms of the charts there is a loose link: IPO proceeds (amount of capital raised) moves in line with the market as you would expect. When it rolls over it can mean a change in trend or rolling over of the cycle – however, it is more or less a coincident indicator. The monthly pace of IPO filings is also a potentially useful indicator where a surge in filings can flag a short-term top in the market. Looking at the longer-term data for the number of IPOs, it’s a little tricky because in the past there were many more IPOs than in recent times. So in terms of its efficacy it is ‘mixed’ but it is another information point worth considering. There is a potential red flag in that there was a surge in filings and the volume and proceeds seem to have rolled over.”









VIX Reading

I like to track the relative correlated volatility between the VIX and the S&P 500. Similar to a beta reading, it is a measure of the sensitivity of the VIX returns to market returns. The formula can be found below.




I then track the dispersion of readings to find certain outlier activity. This model will move inversely to the market so it has been in a down trend since the market bottomed in 2009. When this model showed larger movements to the downside, market weakness soon reared its ugly head and a few of the moves have been sudden and sharp, albeit short lived.





Fundamentals are stretched

We have written several times in this blog that it is our opinion that the market appears to be overvalued currently. That said, we understand that stretched valuations are not a precursor to a market correction. Clearly market sentiment has taken over and thus we are attempting to track market psychology in an effort to mitigate our portfolio downside should the next correction take hold. We have found some interesting fundamental points that confirm our belief that the market is overvalued currently.

3 charts that show the stock market is almost in a bubble – Commonwealth Financial Network (via Business Insider) – “Let’s start with the Shiller price/earnings ratio, which uses current prices and 10-year average earnings. This metric has leveled off since February and remains around where it was in 2006–2007, though well below the levels of 2000. The question going forward is whether valuation levels will continue to increase, which, with earnings growth, would allow higher market returns; remain stable, which would limit market returns to earnings growth levels; or start to pull back, in which case earnings growth still might not drive the market higher. In any case, future strong market returns now require valuations to move above 2007 levels and closer to the levels of 2000.”






“Any P/E analysis relies on interest rates. Lower rates make a given stream of earnings worth more, and lower rates can justify higher P/Es. In many respects, the high valuation levels of the past couple of decades may have been due to declining rates, and the leveling off of valuations recently may reflect the possibility that rates will start increasing again. One market valuation metric that isn’t dependent on interest rates is the level of margin debt. Historically, high debt levels have often preceded market trouble in many asset classes—not only stocks but also real estate and, most recently, housing. We can look at the ratio of debt to market capitalization as a reasonable risk measure.

This chart tells us several things:

Since 1994, margin debt has been higher than it was in 1987. Arguably, this represents a new normal, but it might also be a force that has allowed the market to continue to climb higher.

After a decline earlier this year to below 2007 levels, the ratio has climbed again to heights above those of 2000. Note that, despite the absolute levels, local peaks (in 1973, 1987, 2000, and 2007) all led in reasonably short order to market pullbacks. The fact that this ratio has jumped to a new peak is a concerning data point.”




“A final way to evaluate market valuations is to compare them to the economy overall. This is often known as the Warren Buffett indicator, as he is said to favor it. A benefit of this metric is that it's based neither on interest rates nor on debt, but on the country as a whole. Once again, valuations are at levels above those of any point prior to the late 1990s but have recently leveled off slightly below the 2007 peak and somewhat below the 2000 peak. The conclusions here are similar to those for the Shiller P/E: growth may come, but it will require a move back above 2007 levels and closer to the 2000 high.”





The Tide has Turned and These Charts Predict the Next StopDavid Stockman’s Contra Corner – Thad Beversdorf. “I’ve been writing for almost a year now about the economic cannibalism that has been feeding earnings growth.  I have discussed this concept with a dire warning that feeding earnings expansion through operational contraction is a short lived meal.  And well we are now seeing the indications that the growth through contraction has now hit its inevitable end.  Have a look at the following chart which is really the only chart one needs to study at this point.  The chart depicts S&P 500 adjusted earnings per share (blue line), S&P Price level (green line), S&P 500 Revs per share (red line) and US Productivity of Total Industry (olive line).”




“The initial observation is that the past 25 years has been a series of large bubbles and subsequent busts, at least in both the price level and adjusted eps of the S&P.  Focusing on the price level we see the normalized index having two similar peaks and now into a third peak quite substantially higher than the previous two.  The first two peaks top out around 400 on the index and each subsequent reset price was down around 220.  Now one might expect that the sources of these two very similar bubbles were thus the same.  But one would be wrong.

Notice in the first bubble that adjusted EPS topped out around 275 whereas in the second bubble they reached 450.  We often hear that because of this phenomenon equities were far more overvalued in the tech bubble than in the credit bubble.  While the conclusion is correct it creates a strawman analogy for this third and current bubble.  Specifically, that because current price to earnings is similar to that of the credit bubble that equities are fairly priced or at least relative to the tech bubble.  But this argument is a strawman fallacy.

The tech bubble was a bubble of massive direct capital allocation stupidity. The credit bubble was a bubble of massive indirect capital allocation stupidity.  What I mean by that is the tech bubble was created by absurd capital injections directly into the secondary market (bypassing earnings), driving stock valuations to the moon.  The credit bubble was done via flooding consumers with debt which was used to prop up personal consumption which led to growth in revenues, earnings and thus stock valuations.  You can see a large increase of revenues per share between 2001 and 2007.  Now revenue growth is supposed to lead earnings growth which in turn pushes up stock valuations.  However, when revenue growth is driven by debt consumption it is temporary.  And we all learned that cold, hard fact in 2008.

But so the argument that EPS is the figure one needs to pay attention to really misses the actual driving force which is revenue based earnings growth.  The above chart depicts that while EPS has been rising significantly for the past 7 years, revenues have been absolutely flat.  And so what we have is earnings growth pushing stock valuations massively higher but without the consumer onboard.  Very different from the credit bubble.  How does this happen?

Well again, stock valuations are being pushed  higher through another temporary effect.  EPS growth is coming by way of operational contraction and financial engineering – meaning dividend payouts and share buybacks. This is evident in the following chart of just this latest bubble that depicts growth in stock valuations relative to growth in revenue per share, which have (notably) declined since Aug 08 (the base period).”




“Now EPS growth from anything other than earned consumption, meaning consumption from income rather than debt can only be temporary.  (One arguable exception would be if EPS growth came from productivity, however, we see in this first chart that productivity is flat and so not the driver of EPS growth.)  And if the EPS growth is temporary it follows that the stock valuations that have grown on the back of EPS growth too is temporary.  What we are about to find and already are seeing the signs of with major technical supports breaking down is that stock valuations will reset to match each firm’s operational propensity for earnings growth (i.e. each firm’s expected sustainable future free cash flow).  We saw this inevitable result in each of the last two major bubbles.”

Mr. Beversdorf goes on to further his point that the market is susceptible to a significant drop from here and the article is very interesting. I would suggest going to the link provided and read the article in its entirety.


Final Thoughts

We understand that fundamentally the market appears overvalued but we were tracking market sentiment as a gauge for us to stay invested in the stock market. We are currently seeing cracks in sentiment as market internals are starting to deteriorate. We have written in the past that we use the long term MACD for the S&P 500 as one of the final decision points in our analysis to add portfolio protection. Recently the long term model that we track has indeed started lower confirming our fears that momentum is quickly fading and could result in a sudden reversal to the downside for the general markets.




Bottom Line: Market fundamentals are signaling over-valuation and market sentiment/momentum appears to be weakening. This along with less accommodative monetary policy on the horizon increases the risk of a market correction, in our view. We will maintain our existing portfolio but will start introducing “portfolio insurance” in the coming weeks and months as the market dictates. It is impossible to predict market tops and bottoms but it is prudent to alter the risk profile of the portfolio with changes in market data. We’d rather risk a portion of future upside if we are wrong in our analysis than risk previous gains if we’re right.

Joseph S. Kalinowski, CFA

 

Further Reading:

Stocks are a 'disaster waiting to happen': Stockman - CNBC

 

This is great stuff…

Why stocks could drop up to 40 percent – Marc Faber

 Swedroe: ‘Gurus’ Without A Clue – ETF.com

 

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This analysis should not be considered investment advice and may not be suitable for the readers’ portfolio. This analysis has been written without consideration to the readers’ risk and return profile nor has the readers’ liquidity needs, time horizon, tax circumstances or unique preferences been taken into account. Any purchase or sale activity in any securities or other instrument should be based upon the readers’ own analysis and conclusions. Past performance is not indicative of future results.























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