Pre Investor Day - Notes from Q&A session, page-45

thank you for a genuine response.

I don't doubt it is undervalued if used under the same valuation metrics as other BNPL, however the same goes for Z1P vs APT. Z1P should be approx $25.

i struggle with companies that aren't excelling when their market is booming. Hums is in the wierd place that it excels on paper but not on share price.

i think Z1P will be aquired/partnered first, and as a result Hum and Opy would take off in response. counter to that, if Hum or Opy are bought first i could see Z1P declining.

Hum not entering the US market is going to hurt them, i think it's too late now without huge capital expenditure for much less market share. if there's a player with a US base but looking for external markets then Hum would be in it's line of sight. my bet is it is going to be a bank. they can justify buying a BNPL if it's profitable whereas big sexy tech stocks want growth focus like APT