Yes but it's misleading on two counts .
1. Headline figures On Bad Debt exclude all but ANZ and that's not a true reflection of company performance as bad debt is a key metric .
2 Writing off bad debt against a current quarter GMV is again misleading as the bad debt was incurred against a previous quarter GMV.
One thing Sezzle did say is they expect an increase in bad debt in this current quarter as typically it increases during holiday season.
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