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Nearly two years after Elon Musk’s acquisition, X’s business is still struggling to climb out of the deep hole it fell into under his ownership.

The $13 billion that Elon Musk borrowed to buy Twitter has turned into the worst merger-finance deal for banks since the 2008-09 financial crisis.

The seven banks involved in the deal, including Morgan Stanley and Bank of America, lent the money to the billionaire’s holding company to take the social-media platform, now named X, private in October 2022. Banks that provide loans for takeovers generally sell the debt quickly to other investors to get it off their balance sheets, making money on fees.

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[–] WoahWoah@lemmy.world 42 points 3 months ago (3 children)

Isn't the difference here that Musk has a tremendous amount of assets in the form of Tesla stock that can be used to repay the debt? It's not like he can declare bankruptcy and stiff them on the bill.

[–] Stopthatgirl7@lemmy.world 28 points 3 months ago (5 children)

The thing is, selling off the amount of Tesla stock that he’d need to to pay off the debt would cause Tesla stock to plummet, leaving him significantly less wealthy and putting Tesla in danger. So even though he technically has the money to pay them, he functionally doesn’t.

[–] WoahWoah@lemmy.world 40 points 3 months ago* (last edited 3 months ago) (3 children)

He both technically and functionally does have the ability to repay them, which he will find out soon if he doesn't restructure the debt, and implying this is in anyway similar to the financial crisis is absurd clickbait.

It could possibly tank Tesla and make Elon less rich if he had to pay his debt. Oh no. As if Tesla being valued at more than 9 major other automakers combined isn't outlandish in the first place.

But won't someone please think of the oligarch and his shareholders! 🙄

[–] Dkarma@lemmy.world 10 points 3 months ago

This is so spot on.

[–] Good_morning@lemmynsfw.com 5 points 3 months ago

Him being kicked out of the billionaire club would be a net gain for humanity

[–] Laser@feddit.org 2 points 3 months ago

and implying this is in anyway similar to the financial crisis is absurd clickbait.

I think it's similar in the fact that banks once again gave credit where the securities are massively overvalued; and I'm not sure there are enough investors around to pay that much money for shares. What are bag holders gonna do when the price goes down because a lot of shares are selling?

Anyhow, this assumes a sane market, which hasn't been the case for Tesla for 5 years.

[–] nondescripthandle@lemmy.dbzer0.com 14 points 3 months ago* (last edited 3 months ago) (2 children)

No debt holder is obliged to consider the reprecussions of collecting their debt, just look at house foreclosure. The wellbeing of a thrid party company has no bearing on the ability to pay back a debt, and there are stock sell off plans that facilitate large liquidation over a period of time to ameliorate the stock price drop and prevent it from a full crash. Anyone who tells you otherwise is simply licking billionaire boots.

[–] WoahWoah@lemmy.world 8 points 3 months ago* (last edited 3 months ago) (2 children)

The person you're responding to is literally arguing that Elon can't "functionally" pay the debt because it would make him less rich and lower Tesla's share price.

Their breath smells like Italian leather.

[–] Sway_Chameleon@lemmy.world 2 points 3 months ago (1 children)
[–] shinratdr@lemmy.ca 1 points 3 months ago (1 children)

Corinth is famous for its leather!

[–] Sway_Chameleon@lemmy.world 1 points 3 months ago

Ricardo Montalban approves.

[–] Stopthatgirl7@lemmy.world 0 points 3 months ago

If you think for one minute I like Elon Musk, I invite you to check out all the negative articles, including this one, that I’ve posted about that piece of shit. I’d love for him to lose every red cent he’s got. I’ve hated him since before it was cool.

[–] Laser@feddit.org 2 points 3 months ago* (last edited 3 months ago) (1 children)

You don't really understand the point I think, whether it's correct or not I don't know. His theoretical wealth is derived from the price of the last share sold. He probably can't just sell ($13bn/current share price) shares and get $13bn out of that, there aren't enough buy orders at that price, and you risk a panic sell by other holders. These other holders possible also include the banks were talking about, or at least related businesses and their clients.

Long story short, if banks had him liquidate shares worth $13bn, his net worth would fall (not the banks direct problem, bit probably wouldn't make future client acquisition easier); but it might be that they lose more money indirectly. All this calculation with a stock's market cap is a bit like a house of cards; it's really high, but don't shake it too much. At least that's an issue with overvalued stocks; sound businesses where the stock price reflects the company's actual value, maybe even pays dividend, don't have that problem.

[–] Eximius@lemmy.world 2 points 3 months ago (1 children)

He said it perfectly. There are sell off plans.

If not only Musk but also the banks are stuck in this problem, it's their own fault and incovenience. Not sure why you ignored his completely verbose explanation of how this problem is only Musk's (and maybe the banks he made the deal with).

Talking about individuals/market makers and their bots panic selling the stock is ridiculous, and subverts the idea of a free market. And as you say, the company's value barely reflects it's output, so it should happen, and it is odd that it didn't.

[–] Laser@feddit.org 1 points 3 months ago (2 children)

If not only Musk but also the banks are stuck in this problem, it's their own fault and incovenience. Not sure why you ignored his completely verbose explanation of how this problem is only Musk's (and maybe the banks he made the deal with).

That's the thing, the banks fear it will be their problem. They don't care about Tesla as a third party, but themselves.

I'd love Musk to get fucked by this whole ordeal. This was rather about if the creditors allow it or of they're afraid of the fallout.

And you're right, it won't be all instantly sold, but it is a large amount of shares and I'd think it would have a negative impact on share price.

[–] Sway_Chameleon@lemmy.world 1 points 3 months ago

So, if his divestment of such a large amount shares in either company would have a negative impact on stock price, wouldn't the other share holders have a say in the matter? They typically frown upon someone acting in a manner that will devalue their share prices. I'm honestly asking bc I don't know the ins and outs, but I would assume that if Elon were to just try and sell shares to pay off his problem the pitch forks are going to come out from other share holders.

Also, wouldn't the banks potentially be in a conflict of interest? Presumably those institutions who gave him the loans have invested clients money into those stocks potentially? Again, just asking the question, bc this seems like a major boondoggle that could really fuck over a lot of people in a variety of ways.

[–] Eximius@lemmy.world 1 points 3 months ago

I guess it's possible. But to me it sounds too much like an extra conspiracy. The banks could just sell off the stock (give zero fucks about other banks), and then force Musk to liquidate.

[–] Valmond@lemmy.world 4 points 3 months ago (1 children)

Of course he can, it would just inconvenience him.

[–] Stopthatgirl7@lemmy.world 2 points 3 months ago (1 children)

Does he seem for even a split second like someone who can handle being temporarily inconvenienced?

[–] Valmond@lemmy.world 1 points 3 months ago

Fair enough😂

[–] qjkxbmwvz@startrek.website 2 points 3 months ago

Does the stock necessarily get liquidated for these sorts of transactions though?

Obviously if I owe the bank $100, they will want that in cash, not in $SPY or whatever. But for the Twitter levels of debt could stock just be transferred without being sold first? (Not a rhetorical question, I don't know how this works.)

[–] JovialMicrobial@lemm.ee 2 points 3 months ago

Oh, so he gets to be treated like the rest of us now....right?

If I stopped paying my mortgage, regardless of how bad off I may be, the bank is taking my house.

Guess he should've been more responsible, not eaten avocado toast, and saved more or whatever the fuck conservatives say to struggling millennials and younger folks.

[–] Cethin@lemmy.zip 12 points 3 months ago (1 children)

My understanding is the money he used to pay for Twitter was from loans by banks, where they got mostly Tesla stock as collateral. Musk can pay back the loan to get the stock back, or the banks can sell it. This is done because loans aren't taxed, but selling the stock would be. Now the banks are stuck with stocks that are worth less than the loans they gave out, so they are at a loss.

[–] NotMyOldRedditName@lemmy.world 7 points 3 months ago* (last edited 3 months ago) (1 children)

AFAIK that was the original plan, but wasn't the final outcome.

Elon doesn't have anything tying up his stock on the purchase anymore. It's one of the reasons for why he sold so much when he did the purchase.

He may still have to sell stock to keep it alive, but it's not collateral.

edit: Here's when the change happened

https://www.theverge.com/2022/5/25/23141940/elon-musk-tesla-twitter-margin-loan-buyout-deal

After a brutal month for Tesla stock, Elon Musk will no longer fund his Twitter buyout by borrowing against his Tesla ownership stake.

In a filing with the US Securities and Exchange Commission, Musk announced the expiration of a series of margin loans against Tesla stock, which had been included as part of his original financing plan to acquire Twitter. As part of the announcement, Musk committed to providing an additional $6.25 billion in equity financing, bringing his total commitment to $33.5 billion.

Just to reiterate what I said above though, he still has loans, they just aren't collateralized by Tesla. He could lose twitter if he doesn't pay the loans, and the only way he can pay them is either twitter making money, selling or collateralizing tesla/spacex shares, or finding additional funding.

[–] OhNoMoreLemmy@lemmy.ml 3 points 3 months ago (1 children)

If Musk doesn't pay the loans the banks can take Twitter off him, but then they're stuck with Twitter.

It's always lost money, but now Musk has driven off the advertisers and many of the high prestige users; got stuck in a bunch of pointless lawsuits he's going to lose; and run up a lot of debt by refusing to pay people.

And Musk knows this. The banks are fucked.

[–] NotMyOldRedditName@lemmy.world 3 points 3 months ago

They might be stuck with Twitter, but then they could hire someone who doesn't run off the advertisers and maybe turn it around for a smaller loss.

[–] portifornia@lemmy.world 0 points 3 months ago* (last edited 3 months ago) (4 children)

I'm guessing here, I don't think Musk, the person, took out the loans, I think xitter did. So if xitter defaults, Musk's assets aren't on the line.

Edit for clarity: 'leveraged buyout with debt reassignment post acquisition'

[–] Mataresian@lemmy.dbzer0.com 2 points 3 months ago (2 children)

Xitter may have taken in more loans after Elon's take over. But a company can't borrow money to buy itself. So yea his assets are very much on the line. I wonder what deal he struck with the Saudi lenders.

[–] shottymcb@lemm.ee 2 points 3 months ago* (last edited 3 months ago)

Pretty sure they can. It's how a lot of private equity firms finance their purchases. Also the reason that Toys R Us went under. They were doing fine except the massive loan payments they had to pay. Those loans financed the companies' buyout.

[–] WoahWoah@lemmy.world 2 points 3 months ago

I'm pretty sure they lent him $12B and he largely put up the remaining $30B.

[–] buddascrayon@lemmy.world 1 points 3 months ago

No Musk had to take the loans out in order to buy Twitter and turn it into the shit hole that is xitter. Now whether or not they are personal loans or he bought them under another company he owns, that's a different question.