QFIN Qifu Technology Inc - ADR

$QFIN For some perspective, the market cap was $6.35 billion in March 2025. Today, it closed at just $635 million (only a 90% decline). Over that same period, tangible book value increased by $200 million to $3.5 billion ($29 per share). The wildest thing about the entire story is the stock somehow still looks expensive compared to $LU. China Fintech makes the lows in low points in the China education, video streaming, P2P lending, etc. seem calm in comparison. No clue on the bottom but when it does turn that first 35%+ up day will feel epic.

$QFIN Red almost every day since I bought back into QFIN. The market can make you feel crazy for doing completely rational things sometimes.

$QFIN Bought over 18900 ADRs again . Virtually Debt Free with 20% Dividend Yield. PE of 1.4. Lifetime Opportunity to Accumulate. Potential Multibagger 5x from here. Was at trading at $48+ in 2025. $NASDAQ $SPY $RUA $DYD

$QFIN The question is when these two leaders decouple. This is the tightest one month correlation these two stocks have ever had in their entire history. Indiscriminate selling of an industry without taking into account individual fundamentals. $LU There are also down the exact same percentage amount of a 1, 2 and 3 year period.

$QFIN If you'd told me back in June that QFIN would be flirting with all-time lows on a non-dividend-adjusted basis, I'd have thought you were smoking the good stuff. Of course LU at this level feels the same way. As posted previously, I sold my remaining position avg. $5.70 for a small profit and rolled those proceeds into LU on earnings dump (saved me 12%). I still believe QFIN will emerge from this mess as one of the few survivors and ultimately do quite well down the road but the market is pricing it as though its demise is a foregone conclusion. My issue is I find it difficult to lean into it when put up against Lufax. Against anyone else - sure.

$QFIN Accumulating this Gem every time Shorts manipulate its price . It will skyrocket. Nearly Debt free , 22% Dividend yield , PE 1.3 . Screaming Buy. $BABA $NASDAQ $RUA

$QFIN Bought 7400 more ADRs today . Net DEBT FREE , 22% Dividend YIELD. World's best AI Fin Tech. 5x Multi Bagger potential. $NASDAQ $SPY $BABA $DYD

$QFIN Why keep paying dividends instead of buying back shares at these prices? They were happy buying above $40, but now? What happened to the money borrowed for buybacks? If management believes the shares are undervalued, why isn’t capital allocation reflecting that?

$QFIN I struggled to find QFIN on my list today. I was looking for the usual red -- my eyes couldn't process it with green next to it.

$QFIN until results come out, I see this stock still going down. And then let's see, depending on the results.

$QFIN it has to hold that line Turn around point may be near We'll see small position so no worry

$QFIN In response to the comment that $5 will be reached next week, the price closed on the HK market at ~5.73 ... in theory they should have a better handle on the price ... As usual time will tell who is right

$QFIN These are going to be tough months... the market has already taken its position. Price targets are in the 8–12 range. Investors will be looking to double their money on the stock—and with some guarantees, too...

$QFIN After heavy prompting with AI: How long until a turnaround quarter? Q3 '26 Jul–Sep The earnings trough is still a real possibility The company guided to RMB 400–500 million in non-GAAP profit. The immediate test is whether it can meet that forecast and prevent further deterioration. Q4 '26 Oct–Dec First possible stabilization quarter Look for improving loan volume, stable margins, falling credit losses and a sequential increase in profit. Merely reporting a smaller year-over-year decline would not establish a turnaround. Q1–Q2 '27 Jan–Jun More credible recovery window If funding conditions normalize and the new loan economics work, earnings could begin recovering on a more sustainable basis. This is my analytical estimate, not management guidance. End '27 Longer term Regulatory transition milestone The stated deadline for micro-lenders' gradual transition toward the four-times-LPR pricing limit is the end of 2027. That is not a deadline for Qifu's earnings to recover.

$QFIN First day in weeks that all my stocks were in the green. All the China bank stocks.

$QFIN The fact is that the govt wants to restrict loan shark practices, including QFIN's, so in the foreseable future, it is natural that only the licensed ones can do that business, and there'd be more restrictions too. So QFIN is basically pretty dead on its existing business.

$QFIN Average purchase price for is $9.63, ( 2,175 shares). I am ready to hold for a while longer, but I really hope I'm not in for a multi-year marathon..