with all the way AJ
playing the long game
bnpl here to stay. customer wins (less fee, less interest), merchant wins (more sales)
just need that one important metric (net credit loss rate) to be under control. when it's on the rise and larry and team says it's well within their 'credit appetite' then I don't think that pitch has worked.
need that loss rate flat or on downward trend to be considered 'under control'.
arrears are in good shape, so hopefully this bodes well for next reporting period
Possible target price of $15-20, page-2888
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