I think some are using the same multiplier for the IDSB, banking and BNPL revenue. Potentially need to seperate out the online transactions and use a lower multiplier, but can then use a higher multiplier for IDSB profit and BNPL revenue (i.e. around 8).
I see FV on what we know as around 24c I guess, but that factors in no growth or expansion. It is getting harder and harder to factor in growth when the business does not provide guidance, but hopefully pre Christmas we hear more on SEA expansion...
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