Ann: IOUpay Acquires 42% of I-Destinasi Malaysian Finance Company, page-204

I had the same thought in 2019 about APT when a friend suggested me to buy at $ 24. Their revenue was less than 150mil and MC was about 2 B. I bought in at $ 46 in 2020 even the revenue was not impressive, MC was very high with huge loss. I sold at $74 because I thought that it was way over price and see how much it is now. I never buy back but looking for another potential BNPL stock and found IOU.

For short, if you want good capital gain, go for a potential company with higher risk. If you want stable income which pay better than bank's interest, go for blue chip with dividends and lower risk. There is no such risk free in investment. Good luck!