So many positives. Apart from the stellar growth, its been...

So many positives. Apart from the stellar growth, its been managed without taking additional risk. Demonstrates the strength in the technology. Massive jump in active users while maintaining a high Net Promoter Score - which will translate to easy-to-win repeat business. Such an easily scalable business.

You get the feeling that existing clients won't need to bother looking at alternative debt providers.

Can't see how this doesn't generate $30m in free cashflow in FY23 - almost 17cps. Easy a $1.50 valuation.

And we know that if the SP doesn't respond, they'll keep buying back shares. Brilliant.