Agree 100 percent on the risks and the massive dilution from the last capital raising. If they can survive both now and for the next credit cycle (when there's still huge growth potential in massive markets) then value of 12-18c now could become 70c to $1 in 7-10 years. Very high risk but definite 10-bagger potential IF they can survive.
It also looks like the auto lending is where the huge and somewhat novel growth was and is. It would be good to see them split or farm off their home loan book and focus on Autopay.
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