Ann: Money3 Secures $150m Debt Facility, page-17

When you boil it down, it's a easy to understand business servicing a clear and needed niche in the lending market trading at less than 10 times earnings. In addition to this, MNY is telegraphing to investors 10-15%+ P/A earnings growth over the next few years via a massive increase in the loan book and market share. (Accounting changes obscuring FY18 growth.)

But yeah, downgrade to hold over at Bell Potter.