Goldman Sachs insist $42.90, page-104

There is very little facts in your comment. Housing arrears rates are very low (below 1%) across all major banks and there hasn't been a material increase that would cause any decent analyst to even mention it in a report.

I also think that people who think Afterpay would flourish in a downturn don't understand this company and/or understand economics.

Luckily economic data suggests there are no signs we'll go into a recession anytime soon. In fact employment data that's come out today suggests the opposite. Based on this data markets now price in no rate cut in Febuary with less certainty that additional monetary stimulus is needed. One of the reasons the ASX took a hit today