Fund managers are not smarter and not more informed than you I...

Fund managers are not smarter and not more informed than you I can guarantee that. They are busier and less informed would be my assessment.

10c would be a solid bargain and unlikely to be reach based on very clear fundamentals and 80%+ recurring revenue.

20c is definitely reasonable with the business likely to improve over time with an ok product offering.

They have some ambition to continue growth through new product verticals, the mortgage choice partnership is a step in the right direction and likely to expand to other financial products over time.

I wouldn't be rushing to sell.