Daily Price Movement / General Discussion, page-32822

You'll note they didn't mention APT downloads dropping either, but as they say in funds management, you never let the truth get in the way of a good short. That is some fairly broad US/Canada figures sourced from free and paid sources, noting even paid services are often estimates:

		Sezzle	Quadpay	Afterpay
1	July	150,000	180,000	800,000
2	August	140,000	170,000	700,000
3	September	160,000	180,000	600,000

SZL is doing better, but they do have a big-box retailer on board and are bleeding bad debts to keep up.

Others will disagree, but for me for the first time with this stock the upcoming quarterly is borderline meaningless - they could drop a banger of a report tomorrow and it won't move the needle as the sector, particularly in the US, is now looking for the higher-level strategic moves. 43 days until Black Friday - people want to see who these pilots with "some of the largest retailers in the US" are, they want to see product partnership with GS go live and whatever else is happening in the US that would justify the CEO basing himself there for 3 months. Given the public statements from Zip execs, this company could look very different come early December, but I appreciate Citi's note has to brief as at today, albeit somewhat shortsighted.