what really blows your mind affirm market cap is now 24 billion...

what really blows your mind affirm market cap is now 24 billion USD. And it has similar offerings in some respect to Zip with zip money and also traditional bnpl.
Affirm did 500 million in revenues. Zip is currently doing 7.6 percent revenue off TTV and in November last year it was annualising at 6.95 billion. So if you look at Nov2020 to Nov 2021 TTV I think we can expect that year period to be around 10-11 billion TTV. 7.6 percent off that is about 760 million revenue or 50 percent higher than affirm is now.
Affirms market cap 24 billion USD (30 billion AUD).
Zips market cap 3.2 billion.
Doesn't take Einstein to see which way the shareprice is heading. We have seen Afterpay get the same valuations as Affirm and there is nothing unique about them. It's not like quadpay and zip are struggling. Afterpay does 4.5 percent off their TTV, nowhere near as high as zips business model even with their pay in 4.
If zip gets valued at 30 billion by Nov 2021 we are looking at a share price of ballpark 50-60 dollars

The apt fan club will.be saying no way Afterpay is the gorilla and market leader. But they aren't. The market knows that.
Company metrics will really come into play soon.
Zip is ridiculously undervalued given in a year's time they will be done 50 percent more revenue than affirm are based off its IPO. And affirm is only in America's so far. Zip is global.