Debt held by individuals vary across income distribution. Individuals in the highest income quintile are holding debt that is approximately seven times larger than the debt held by individuals in lowest quintile.
If you are saying that the average AFT customer is someone in the lower quintile, which is what i believe you are trying to articulate. They have a higher chance of actually paying back their installments than an individual who is in the upper quintile.
APT Price at posting:
$8.90 Sentiment: Hold Disclosure: Held
