The market seems to be ignoring the very positive impact of the change in distribution to a broker network. In the last quarter the growth over the previous corresponding period was 94% for new loans written. That follows two periods of 100%. The full benefit will be felt on the bottom line in 2023 and beyond.
In my forecast I have slowed the rate down considerably for the derived forecast profit so that by this time next year they will e only growing at 50%.
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Ann: hummgroup 3Q22 business update, page-60
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