I agree with your sentiment, but I do wonder if they've left it a bit late for an international expansion. Afterpay has huge amounts of capital and entered the UK 12 months ago, US has more than three BNPL competitors and Australia is saturated by Afterpay & ZIP. Then there's PayPal also entering BNPL.
UK presents the best opportunity for Laybuy, but even with a large share in NZ they only have 13m revenue, so i do wonder if its worth the current price when they might only get 50m to 100m revenue from the UK - and that's if they succeed.