Possible price target $3, page-106

Year ago, credit cards (visa in specific) put up an announcement to allow for partial repayments of credits offering & apt & zip SP wobbled from 26$ to 23$ And zip from 3.5 to 2.8....year later turns out BNPL is now offsetting credit cards, this is called nailing competitors!

a lot of jibber jabber going on all bnpl threads about credit losses/ bad debts etc etc...think about it our banking sector survived global financial crisis and even paid interest & dividends after that along with growth...those who are anticipating that bad debt will kill the sector after job keeper/job seeker allowances will eventually be turned off, well by the that time there will be news of vaccine and economy reopening so market will be looking forward to that and COvid will become a flu...doubling the BNPL sector in next two years simply means doubling the MC of BNPL companies...those who are calling of apt at 100+ stock & zip a 10$ stock are not stupid because these were stupid who were calling xro a 100$ stock as well when xro was trading around 59$...well guess what xro has been traded at 95$ two days ago! Buy now or there will be regretful stories that remember when apt came down to 8.2$ & we didn’t buy, there will still be regretful stories remember apt was 66$ six months ago and so on so forth for zip! P/S ratio of 9 and apt is 25 which makes zip way undervalued than apt hence my money on zip!