zip so under performing because if shit like this analyst...

zip so under performing because if shit like this analyst writes
They are heavily invested in Afterpay and Sezzle so flight that story over and over
Greater than 95 percent revenue comes from bnpl for zip. That might change in the future
They are a comparable bnpl at this point to apt and sxl except their product us better as it can be used anywhere offering greater choice for consumers.

Affirm.has multiple products as does Klarna
It's good to have some balance and higher returning products

If Zip can maintain 100 percent YoY growth and a 50 percent higher revenue to TTV dollar than Afterpay it's the better model