why the 2% drop today., page-13

My take on the result:

Good:
- Growth in revenue and customers and shops.
- APT should start to make "large %" profit growth from now on.

Bad:
- Increases in bad credits
- % of income as "late fees"
- Credit Regulations

EBITDA are expected to double every year over next 2 years, so still justify a "Hold/Buy". Results were expected but no good surprises, so the run up from $6.60s was not justified. The potential of the company is still good and more positive updates in the future will push up the SP.

DYOR.
Frank.