The company's low ROE and stagnant net income growth over the past five years are worrisome. Despite high profit retention, the low return rate may be hindering earnings growth. The market seems to overlook the company's positive fundamentals, focusing more on the negatives.

The company's low P/E ratio is due to declining medium-term earnings. Investors see no significant potential for earnings improvement to justify a higher P/E ratio. Without profitability improvement, the P/E ratio could fall even lower.