I dont know how to properly break down a quote so I'll address each of your points below.
Accounting Fraud evidence: The evidence they present is the very smooth margins. eg net margin variance CCP = 0.8%, Competitors = 9% ; CCP loan loss provision = 44.4% for three years (0% variance).
WW: the claim is more that they are operating in a grey area and are using a loop hole to essentially make pay day loans while abiding strictly to letter of law of not being a pay day lender. The risk here is negative publicity and reputational damage such that Westpac pull funding or further adjustment to the legislation to CCP's detriment.
DCF: valuation is always subjective, neither here nor there as such and is no different to any other price target long or short. The main issues are the ones above and they will affect your valuation depending on how you weight them.
CCP Price at posting:
$18.84 Sentiment: Hold Disclosure: Held
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