Shares of this fintech are up 13% today after beating EPS expectations and raising guidance. Some argue despite strength across all three segments (lending, tech platform and financial services) EPS is still negative (its was -$0.09 in Q3), but there is a clear path to profitability. The company’s new bank charter is providing flexibility against the challenging macro backdrop and the student loan business seems less handicapped as competing fed loan forgiveness on hold (at least for now). Rapid revenue growth (+51% y/y), with very large market opportunity.