Does anyone do any research on the fundamentals. Sometimes it’s...

Does anyone do any research on the fundamentals. Sometimes it’s wise to look outside of the rose coloured glasses. Iv always used simply wall street to keep my optimism from taking over my decisions.

I am very conflicted on this stock, although I’m leaning towards a buy, these are my major concerns for the long term post coronavirus recovery:

1. earnings have declined on average 7.5 percent every year for the last 5 years.

2. there is plenty of competition and room for competition.

3. the layout and options of the app still needs a lot of work and some very basic features that have been requested by the majority has not been acted upon. Poor app development in my opinion will be a huge weakness in a competitive market... and before you say to the contrary, have a quick look at the UI and layout of apps “spaceship” and “raiz”. Regardless of whether they’re directly competitive, they still represent better development in their design, look and feel.

https://**.st/stocks/au/diversified-financials/asx-swf/selfwealth-shares