The company reported record-breaking 2025 results, including strong customer growth to 131 million, record profitability, and rising net income. Management highlighted a strategic 2026 agenda focused on core-market execution, U.S. expansion, and broader AI integration. However, the stock has experienced a significant recent pullback despite strong long-term returns. Analysts are mixed, with some viewing it as undervalued and a buy, while others express caution about its ability to withstand a future credit cycle and question if recent strong performance is already priced in.