Volt is a speculative long term play and it is likely to take...

Volt is a speculative long term play and it is likely to take years before it turns a profit. It may be a good investment, it may not.
Look at some of the UK neobanks that are a few years ahead. Atom bank for example - given its banking license in 2015, showed a loss of 42M in 2017 and a loss of 52M in 2018. Still some years away from generating a profit.
Mortgage lending in Australia has thin margins because interest rates are at an all time low and savings accounts make little money for banks, so what products are Volt going to offer to turn enough of a profit to deliver $3M in EBIT to CLH in FY20?