anyone here actually in the green?? or are we all pretending just to feel better, page-20

1) total fees are silimar to competitors...and they are not actually competitors so fees dont matter. SPT is the only option of its kind. Pro.
2) This point is definately a Pro and a specific decision to only to accept credit cards...did you see the losses Apt, zip, klarna have reported lending credit to people who can't get a credit card. Last 3 years have proven splitits model does not have the concerns in regards to bad debts (if comparing to APT, ZIP). Pro.
3) Afterpay cashflow neutral? ok.
4) No cashflow benefit to retailer? The consumer gains the cashflow benefit by smaller payments and the retailer gets paid in full upfront or in installments (2 options) and usually the consumer spends a bit more du to being able to manage payments. How is the a Con...thats a Pro to both.
5) Yes fees are in addition. But total fees are similar in comparison.
6) It is able to be in 27 countries because it works on credit cards. They have pivoted to a whitelabel. Pro or Con yet to be determined.

You missed alot of Pros to balance.
- others crosselling to consumenrs
- more seamless checkout not taking consumer away
-whitelable solutions for merchants, issuers and the whole system at varying levels.

Its a risk stock. But to be taken seriously you should try again with more updated pros and cons...lazy effort copy pasting a 3 year old post that even then had so many inaccuracies/poster biases.

D. Try again.