Great Q: Accelerating Growth on ExpandingA Beat on the top and bottom line with upgraded margin guidance for 2016 and beyond. Just looking at the remainder of 2016 the boosted margin should add another aprox 0.25-0.30 to EPS and expanding in out years. Numbers have to go up now that they proved their ability to keep loan losses down while expanding margins and loan book. Put a 10x multiple on $3.00 of 2017 earnings and you get a 30 SP.