$YZJ Fin Hldg(YF8.SI)$ Accumulating. 1. Current price is 63% discount to NAV. 2. Net cash of 16.5 cents per share versus 19.4 cents price per share. 3. Re-rating catalysts: more APAC exposure away from China, future fund management business, further NPL recoveries, Continued share buybacks at S$0.199