Ann: Openpay furthers US focus and accelerates AU profitability, page-10

either via more debt, which means more interest payment reducing cashflow, or more capital raising, issue more shares, dilute existing shareholders. Either way if you are in it, nothing really gonna change for the near future, 3-4 years. Changing management isn't gonna fix any of these issues. On macro level, BNPL is yesterday's hot sector, the tide is receding, SP isn't gonna go up massively from any speculation. Any way you look at it, high odds of downside and low odds of up.