Klarna , Afterpay and Credit Checks, page-220

Brokers have been raising their Price Targets on Afterpay for years now and the actual share price has invariably outperformed even the most bullish brokers (historically Bell Potter). Whilst theses brokers have in hindsight been shown to be overly conservative, at least the vast majority of them have been right in a directional sense (ie Buy/Outperform). You however have shown a startling lack of ability to analyse/understand this company leading to a valuation which has no basis in reality. And yet you keep turning up over and over again with predictions that really couldn't be more wrong. Astounding.