The company's stock has experienced significant declines recently, with shares down 25% over 30 days and 36% year-to-date. This drop is attributed to rising early-stage credit delinquencies across all borrower tiers, including prime consumers, which has negatively impacted online lenders and buy-now-pay-later providers. The broader sector faced pressure after a strong inflation report and widespread credit concerns. Despite a strong three-year return, recent performance reflects investor worries about credit risk in consumer lending.