I tend to agree re the UK. If you draw a line through Afterpay, they commenced operations in the UK in May 2019, so their first full quarter was Sept 19 and they did A$70m of GMV compared to Zip's A$14m in this latest quarter. At this stage it is hard to see the UK as anything other than a money pit for Zip. Lets' see what the next 2 quarters bring - I hope I'm wrong.
Ann: Q4 FY21 - Record Results Building on Global Momentum, page-539
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