This is how I see this share - It's rather fully priced at 44c in my opinion. It now needs to maintain the 40c levels for some time to create a strong base to move up again. The trigger for the up move would be possitive news and earnings. Who knows where this will go, but comparing it wth Capitec is not a wise move. Capitec was started by seasoned bankers with huge financial backing (PSG). Finbond is now a mutual bank (focusing on very small R1-7k mico loans) run by laywers. Be careful of pipe dreams about this company. I'm also keeping an eye on this one, so I'm watching from any possitive earnings news about this one. The micro loan space will receive a lot of heat from government in 2013, so be careful, don't over commit.