Another point worth adding is that multiples aren't always exact. If positive sentiment picks up the share price could run away into the end of the year. I thought the numbers were on track but not exceptional. There's a few business arms to consider and unfortunately because IOU doesn't have a direct comparison to any other competitor it makes it difficult to create an accurate valuation.
It's a very well run business and imo a company worth investing and holding long term to realize the best return.
$1 Club, page-25628
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