A business hitting its first profitable year, doubling revenue with flat headcount, and crossing $1B in loans while the stock is down 43% is exactly the kind of dislocation where the market is pricing the old story while the fundamentals are writing a new one. The flywheel metrics — 88% retention at three-plus services, 6% population penetration with 94% still untapped — are the numbers that make the transformation case concrete rather than theoretical. The deep dive is worth the time.