Chart - Z1P, page-4444

Aj7 your views on Zip and comments change like the wind.

When you hold you're very positive. When you sell you're very pessimistic. i can't take you seriously on any comments you make as you're so much swings and roundabouts abouts.

Ifamazon signed an exclusive merchant agreement let alone became an investor this would be very positive for Zip.
Zips able to generate higher revenue returns than Afterpay and has a more complete bnpl solution. To say it should be valued at half would be to value zips business the same. I think it's superior to Afterpays. Better culture scores means happier employees and imho better management. As good or better growth. Better app. Better offering that U can use anywhere that instead of targeting just discretiianry spend targets a bigger share of wallet.

If we are valuing BNPL on multiples of revenue and growth, given zip generates more revenue per dollar sold and more per customer and a higher average sale than Afterpay, and growing as fast it should mean it holds a higher multiple than Afterpay.