I told you good time to buy, page-25

I still think the US has further to fall, but there are arguably some valuations that are more reasonable in tech. A few less heralded chipmakers and the big old cash cows of Meta, Google, etc, as much as I dislike them morally. ZIP was ridiculously overbought at $14+ and ridiculously oversold <$1.

Its cash flow positive in Australia where the business is mature, so the constant need for growth arguments rather negated there. The US is growing revenues significantly and will move towards being a free cash flow positive business and all the analysts will be raising their targets back up again.

Lets not forget some of the clown analysts condemning ZIP now, were also the same idiots recommending at a buy at $10+ a year ago. Margins will continue to be tight, but many of the same banks with sell or neutral ratings on ZIP, are jumping into BNPL themselves. The model does work, but it is tight:

https://finance.yahoo.com/news/bnpl-transaction-value-reached-120-billion-in-2021-before-rough-2022-global-data-122100921.html