PEP - Warren Buffett says "Never invest in anything you don't understand"

I only know that PEP is like a 'bank' on the periphery, encroaching on areas where the banks do not want to deal with.

I don't understand its modus operandi.  However, I know from the company's spill that it is making a lot of growth.  This is one of the few new equities that I have invested in recently that is profitable.

https://research.commsec.com.au/LoadPDF?docKey=B64ENCeyJkayI6IjE0MTAtMDE4NTM3NzYtM0o5RFVET0tMSDUyVFFMQTNBTkFES1ZRQUoiLCJmaWQiOm51bGwsImR0IjpudWxsfQ==