The revenue multiplier applies if you're making profits & have considerably less debts.
All those companies on the ASX with BNPL listed have made considerable losses and have huge debts. Hence their SP decline. So the revenue multiplier obviously has decreased.
The companies listed on the ASX are in a market which is overpopulated with competitors. IOU operates in a different demographic and is on track to show profits with no debts as of yet.
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