You are surely talking only about the SP? Based on organic growth, expansion, innovation, getting bad debts down... well they are actually doing quite well. You can't achieve these with poor management.
IMO I agree what others have already said that the other BNPL providers are overpriced but with my own twist that the stock for whatever reason is being shorted or manipulated above others.
At some point a lot of these providers are going to go out of business or consolidate. People smarter than me are saying that saying Z1P may even reach profitability earlier than expected. For that reason and those mentioned in the first paragraph I think Z1P is well placed.
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