Yes, must be the big miss on consensus FY24 NPAT.
US metrics and ROA still way below Aus/NZ historic returns.
Still no sign of relief in Aus/NZ. It was mentioned that even though competitors in Aus are constrained, the reduction of supply offsets any of that benefit.
Lending only bright spot, and that obviously has questions around bad debts rising more.
lastly rising interest rate are also a big headwind. CCP is naturally better off in a lower rate environment because it always relies on some leverage.
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