May. 16 at 8:59 PM
$PGY
Market just gave a sharper entry after a ~12% pullback.
5 straight GAAP profitable quarters, Q1 beat + raised guide, net income +213% YoY, yet price at ~
$13.5 while earnings trend up.
Now trading ~4x forward earnings vs fintech peers closer to ~10x. That gap is the story: fundamentals expanding, multiple compressing.
AI credit platform sits inside banks/lenders, not holding risk—pricing it. That flywheel (more partners → better data → better pricing) keeps compounding.
Key catalyst: Q2 in August + Experian reach expanding to ~80M users + ongoing funding pipelines.
Main risk is growth slowing or credit cycle tightening—but Q1 didn’t show that yet.
Follow me 👉@ChipDistribution7 for real-time updates and everything. Let’s make moves!
