"Fxl is the only bnpl on the asx which is profitable and has a solid bank balance"
APT have $1b cash in the bank. The others also have respectable bank balances.
It's profitable from its legacy businesses, not the BNPL. The BNPL is the slowest growing in the market and isn't adequately funded.
They are fighting a battle they can't win.
Next week FXL share price will overtake SPT, page-254
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