For those that think that stock looks cheap, not sure it is unless you buy that they are purely a technology company, not a financial services company and that they'll always trade that way. Yes they've had great growth in originations, but they slashed EBITDA projections in half, despite a meaningful reduction in the loss provision. Before earnings were released (and the stock was subsequently slaughtered), they were trading at 35x 2017E EPS. Keep in mind private market multiples for companies in our space that don't trade as a tech platform are closer 4x to 8x LTM EBITDA.