Ann: Quarterly Report (Appendix 4C), page-6

haha

I’ve regretting not buying many stocks, but SPT is not on my list.

It’s not an investment grade stock. Has poor growth & limited potential.

Only reason revenue increased is due to customers taking out longer plans which cost the merchant more in fees. Every other metric points to lower growth ahead.

There are better BNPL players if you really want to be in this space.

Clinging to the days gone of a $2 share price is being a dreamer