maybe it is not totally doom & gloom...BD are reducing, however...

Thanks mate, very good insight

maybe it is not totally doom & gloom...BD are reducing, however the higher BD may be a norm for such customer base... may be they get grant from government against this...margins are very strong compared to traditional BNPL.



Revenue wise they have turned around very well. Q4 was very strong & 87 million revenue and a MC of 130 million make P/S very cheap.



beaten prospectus across all matrix


Ebita and loss improved sigificantly



plenty of cash too




and here is the punch line....Guidance f*ED!!!