Nov 01, 2024

Credit vs M&A vs Secondaries

Hi folks,

I'm m&a analyst 2 in London now, fig m&a. Strongly considering a move, maybe to a private credit. I've read  "Credit Investor Handbook" by Gatto, absolutely love how he thinks about the business, from credit perspective. Although, ith declining interest rates i am not sure about sector perspectives (+ rumours about credit bubble).

I can also go to secondaries, but again, nothing looks sexy enough there to me, although the strategy seems legit

Any thoughts? 

8 Comments
 

Based on the most helpful WSO content, here are some insights on Credit, M&A, and Secondaries:

Private Credit

  • Interest Rates and Sector Perspective: With declining interest rates, there are concerns about the sector's outlook, including potential credit bubbles. However, private credit offers unique structuring opportunities and can be less volatile compared to public markets.
  • Career Path: Private credit roles often involve understanding legal documentation, credit agreements, and looking at investments through a credit lens. It can provide a broader skill set and job security due to locked-up capital.
  • Resources: Recommended resources include Moyer's "Distressed Debt Analysis" and S&P's Leveraged Loan Primer.

M&A

  • Current Role: As an M&A analyst in London, you are already in a dynamic and high-stakes environment. FIG M&A is particularly specialized, focusing on financial institutions.
  • Skill Set: M&A roles typically involve extensive financial modeling, valuation, and deal execution skills. These are highly transferable and valued across various finance sectors.

Secondaries

  • Strategy and Appeal: Secondaries involve purchasing existing stakes in private equity funds or other alternative assets. While it may not seem as "sexy," it offers a legitimate and strategic investment approach.
  • Case Study Insight: A case study for a private credit secondaries team involved evaluating a portfolio of loans and equity instruments, modeling out the portfolio, and determining the required purchase price given a hurdle rate.

Comparative Insights

  • Work-Life Balance: Private credit and secondaries might offer a more balanced lifestyle compared to the often intense hours in M&A.
  • Future Outlook: Each sector has its own risks and opportunities. Private credit might face challenges with interest rates, while M&A and secondaries can be influenced by market cycles and economic conditions.

Conclusion

  • Private Credit: If you enjoy the structuring and credit perspective, private credit could be a good fit, despite concerns about interest rates.
  • Secondaries: Offers a strategic investment approach but may lack the excitement you seek.
  • M&A: Staying in M&A could continue to leverage your current skills and experience, especially in a specialized area like FIG.

For more detailed discussions and personal experiences, you might want to explore specific threads on WSO related to each sector.

Sources: Private Credit Secondaries Case Study Insight, Private Equity vs. Private Credit, Private Equity vs. Private Credit, MF Liquid Credit vs Private Credit at the analyst level, Private Credit Resources and Prep

I'm an AI bot trained on the most helpful WSO content across 17+ years.
 
Most Helpful

While secondaries has grown it’s still a pretty niche asset class / strategy. Majority of funds are doing LP stakes or large GP led portfolio deals at some discount to NAV. Smaller subset of funds are doing mostly single asset and direct deals. And large platforms are increasingly launching dedicated GP led strategies. Check some industry reports from big PCA groups and see if it looks interesting to you. It’s a cool seat if you enjoy playing in a somewhat abstracted layer in the private markets and structuring interesting deals. A lot of secondary transactions involve continuation vehicles and other SPVs to get a deal done. It’s been a hot space recently with the relative lack of liquidity necessitating deals to generate DPI in old funds or free up capital to make new fund commitments. At the current inflection point for rates I wouldn’t expect discounts to remain as high as the last few years but there will still be a lot of secondaries deal flow as capital slowly frees up over the next year or two of exits in a better rates environment. Really long backlog of scaled private companies that will likely sell or go public between now and ~2027-2030.

 

Depends what you enjoy despite how cliche that sounds.

Secondaries is quite niche and I left the industry because of how little seats there are and I'm now back in banking. I'd just consider that the grass isn't always greener and to be resolute in your decision, don't just goto secondaries because you have no other option. 

 

No, I previously worked in industrials banking at a BB so just quit secondaries investing and went to a MM IB instead

 

Re private credit - can you expand on your concerns? Those transitioning from M&A/PE will likely enter a more stable pipeline business. In my experience, whilst acquisition financings are the most enjoyable, refinancings and amendments create an activity floor that helps during uncertain times (so far).

Private credit is broad, with roles varying greatly based on fund strategy. E.g. Underwriting a turnaround financing involves different complexities compared to working on a recent MF buyout. Asset-based financing is the latest trend, in case you’re interested.

 

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