The main argument of the article is that Afterpay might not be...

The main argument of the article is that Afterpay might not be profitable if you take away late fees based on EBIDA and is this sustainable...
It's absolutely baffling because they are completely ignoring the fact that Afterpay is spending a lot of money on expanding into different market. If they want to compare profitability without late fees they would have to add back into the coffer any money spent on expansions.
I'm normally pretty open minded to seeing a different side of my investments but this article is bias and just plain rubbish.

*IMO only*