non profit company

Share Price
2009 $1.80
2014 8 cent
2017 70 cents
2019 $3.52
2020 $1.40
2021 $12
now $7.50

1 In twelve years zip cant make a profit.
2 Most financial stocks would be making a profit by now which indicate the business plan is flawed.
3. The share price is erratic which indicates most of the forward projections are based on speculation and lack credibility .
4 Forward projections and reflections of the company are based on turnover and not profit.
5 Even with market interest in the same sector they cant make a profit.
6 The market sentiment for BNPL has declined. It was only a flash trend.

This leads me to believe that Zip will revert to a junk stock as market sentiment falls. People will lose money and the share price will retrace between 2009 to 2017 price points.