I think it will get worse before it gets better. The lack of...

 I think it will get worse before it gets better. The lack of growth of FUM and revenue is the major concern. 
The presentation is light on details regarding the expected effects of the 'good', such as the UMA, and giving proper reasoning for the lack of growth. 
This poor communication, if that is what it is, is going to drag the price down. Even I; who was a holder for 2 years, until recently, and know everything about the company, don't know what the next year holds for the company. How are people who know less meant to have any faith?