The issue is profitability. If you see on next 4C that growth is outstripping expenses, then you will see growth in the SP. What we know is headcount and expenses were added in the last quarter - so a lot of pressure on growth to cover those expenses.
That is why there has been zero SP growth in the last 12 months.
In the end of the day, the product is not new - personal and car loans have been around for decades. So you need to show the market how you are doing it differently (to shareholders)
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