Watch This Space, page-7764

So what you are saying is SPT is the only payments company to suffer a share price drop in the past 12 months.

Just open your eyes, the whole industry has undergone a massive scare / shake up / awakening / whatever you want to call it.

Since 2021, at the peak of the hype cycle here are some highlights:
Afterpay sold to an established company that has lost 1/3rd of it's value since
Openpay bust
ZIP down 93% and declining
Latitude halved even though they have other revenue streams
Humm halved and on a downward spiral
Laybuy 96% down and tanking
SPT down 85%, even with ups and downs, it has been flat for the past 12 months.

Based on share price alone, SPT is in the middle of the pack. Based on other fundamentals, SPT is the only one that I see as having a decent long term outlook.

Based on your commentary, you may be more comfortable taking your money out of SPT and investing in one other BNPL companies with a better CEO & future.