Haha no I like ZML, and I like Fintech... but real fintech, not quasi low doc finance companies moonlighting as fintechsI just think ZML doesnt have the same quality merchants as AFY, and some book metrics that scare me, but i think its got a smarter, broader product suite and its own stack, coupled with smarter more experienced management... They are all overvalued to me, so I wouldnt buy either share... but it doesnt mean I think they are rubbish.
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Ann: Business and Funding Facility Update, page-69
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