Incidentally I think my discovery and first foray into MNY was...

Incidentally I think my discovery and first foray into MNY was over a decade ago. That was at the princely sum of $1.20/share. I made almost a three bagger on the first go and then with covid again when the bonkers market took the stock under $1. Here we are today at ~$1.85. The same attractions exist as over 10 years ago (and we can buy at only 50% more than my first crack). Good revenue/book growth, growth to bottom line, growing Div, manageable gearing, top quartile return on capital etc. The fundamentals generally seem to be undersold with the core product not being particularly discretionary in nature, some pricing power by way of higher loan values and interest rates with inflation, improved funding model and move away from some lending types etc etc. May regret going too early now but I can't pick a bottom and reckon there is a solid margin of safety at these prices. Certainly I'd suggest if one is patient

DYOR