u/Historical_Card_6600

The author argues PGY's post-earnings selloff is a sentiment reset driven by guidance expectations rather than fundamental deterioration, since margins continue to improve and the company is moving closer to sustainable profitability. After the drop, PGY trades at a more reasonable valuation relative to growth, especially versus other AI/fintech names, and analyst price targets remain significantly above current levels. The catalyst is management execution over the next few quarters; the main stated risk is that the selloff reflects guidance concerns.