Sorry but both Jefferies and CS have only recently initiated...

Sorry but both Jefferies and CS have only recently initiated coverage so they aren’t trying to catch up to anything. They don’t get thrown in jail if they initiate with a Sell as UBS did. CS actually did a deep dive on the entire BNPL industry prior to coming up with their Price Target.

You seem so wedded to your position that it really wouldn’t matter what anyone says or what alternative viewpoint is put forward. You are right and everyone else is a clown.