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If its business fundamental no deteriorated, still growing and market leading of family takaful and 2nd leading of general takaful.. I think now its share price is undervalue.. The price low affected by market sentiment and multiples.
They execute its innovative online platform seems like quite successful .. Looking back its year 2020, its business earning still maintain as 2019, even impact by covid pandemic. From result, we can get know its economic moat look like quite strong and good in execution.