davidpau98i read money compass yesterday and interview with the director quite interesting. he joins the company in 2012, only take over MD job in 2014, 2years later, the company finally archive positive profit. i think to invest in this company is investing in the MD or his team. if you trust his skil, then you invest, if not, just don't. those ROE, ratio, intrinsic value no longer can apply in this company because they are totally different team and involve in different buisness.