Neutral/Negative Catalysts
- Price action remains weak immediately after earnings (stock down ~1.6% regular session, ~1.9% pre-market noted), implying “sell the news”/risk-off tape.
- Revenue pressure: Q4 revenue noted down ~14% YoY to $1.29B (headline negative even with EPS beat).
- Macro/credit sensitivity: Specialty consumer finance is highly exposed to employment/credit cycle; any deterioration can pressure charge-offs and valuation.
- Elevated implied volatility suggests the market expects bigger swings; combined with bearish MACD, downside continuation risk is non-trivial.
