Klarna , Afterpay and Credit Checks, page-29

Those numbers are a complete fabrication. Revenue per customer is ~$70 and increasing every year. Taking a total group number to calculate profitability per customer is nonsensical analysis, given that the operations in the US and UK are still in the start up phase. Do some meaningful analysis and calculate the profitability of the ANZ customer base - although that would be a number that doesn't conform to your warped rhetoric.