capped out

Looking at this sector I wonder how MOC share price will sutain itself.
Fearce margin erosion from banks - mortgage book recurrent earnings would be assumed as vearing downward with each renewal.
Renewals are likely to be lesser value due to tightened equity levels into loans.
Both of the above mean water treading.
MOC has moved to agregator status, and that could well upset the applecart if franchisees are on less earnings. There would be a question mark over the ability for brokers to sell other products (however I agree with CEO strategy fully of attempting to hassle free the cross sell).
The asset growth results tell me the best has been achieved. Underlying this I cant see where the growth is ?
Just cant see the bullish edge to the story I am reading in other comments.