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Hi Lionel Essi. For me the CTOS is only just "undervalue", i mean it's business model shouldn't just PE 20+- only , for me it is worth PE 30~40 bcoz CTOS almost monopoly the whole credit reporting market. However, in local market i think there is no much space for CTOS to growth... For me this stock is more like securing my wealth rather than creating wealth haha.
