QFIN Qifu Technology Inc - ADR

$QFIN To everyone catching this falling knife, bottom-fishing, or praying for the floor: ​I genuinely hope that in 6 to 12 months, we’ll look back on this bloodbath with champagne in hand, laughing at how desperate we were for a bottom. Right now, even the most patient bulls are capitulating. ​Pure vertical sell-off, zero dead-cat bounces. That usually means when the reversal comes, the short squeeze wick will be violent. ​Until then, grit your teeth and survive 🥂📉💥

$QFIN I'm loading in all Dips. SUPER BULLISH . DEBT FREE, 17% DIVIDND YIELD AND its International Expansion will provide huge Growth 5x Potential in 1 yr EASY . PE of 1.47. SCREAMING BUY . Was $48.81 ON 3/17/2025. $AAPL $NVDA $BABA $CHINAWINS.X

$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 I asked AI about dividends. Very interesting reply: * If my base case is approximately right, an investor buying at $6.46 could receive roughly: 2026–2030 cumulative dividends ≈ $6.11/ADS That is almost 95% of today's purchase price in cumulative cash dividends alone. I would not treat that $6.11 as guaranteed—QFIN explicitly says its dividend policy can be changed or terminated, and the company's current regulatory/funding environment is unusually difficult. But this materially strengthens the investment case we discussed: at $6.46, you're not merely buying a potential turnaround—you are buying a company that historically has returned substantial cash to shareholders while trading at a very depressed valuation. And there is a potentially important upside: if QFIN resumes the $443M or so of remaining buyback authorization, the share count could fall substantially. That would increase EPS and potentially increase future dividends per ADS.

$QFIN Expanding red candles near ATL with record low RSI. This smells of capitulation and get me out at any price and looking a lot like a classic three gap down red candle bullish pattern. Bottom today? Either way - just added more at 6.75 and shares are starting to add up. Bids in place given 6.37 is ATL.

$QFIN Loading heavily . Virtually Debt Free with 15+ % Dividend Yield and PE 1.8 . SUPER BULLISH . $NASDAQ $BABA $SPY $DYD 5X Potential with no expanding to International Markets.

$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 Added at $7.17–$7.18, with bids sitting down into the low $6S just in case. We’ll see how far this gets pushed before calmer heads prevail. I probably shouldn’t say this out loud, but what if $FINV and QFIN decide they want to join that seemingly magnetic ~10% of tangible book value club that China fintech keeps gravitating toward these days? QFIN’s tangible book value is roughly $29 per share right now and $FINV is only $10 per share. At 10%, you can do the math but I am doubtful we get that bad for QFIN. 😬

$QFIN how sad . I was selling this puppy at around $40 /share early 2025 left and right . And now having the hardest time finding buyers at $7. Crazy markets . I love the inefficiencies. Bring it on .. all day long

$QFIN What did not sit well with me at all was the CEO also stepping down as a director of the Company and member of the compensation committee of the Board. This is a long term CEO. I can get him stepping down for international expansion but it would have cost QFIN nothing for him to remain as a director. This tells me there is much more to this story since those ties should not have been cut. After selling all my QFIN at 9.15 for a profit as posted, I had restarted the position at 8.08 avg. last week thinking it was getting overdone and QFIN would be a long time winner in the industry. On seeing this news I am out this morning again at 8.08 avg. a few minutes ago and no longer have a position. I rolled the money from this trade into $LU at 1.16-1.17 to still have the industry trade on plus a small trade in $LX at 0.74 avg. Talk about your unloved sector!

$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 From AI today: *The regulations aren't necessarily destroying QFIN. They're destroying the high-cost/high-risk portion of the industry. And QFIN is one of the stronger players. QFIN had: 301.8M cumulative users 65.6M users with approved credit lines 39.9M successful borrowers 168 financial-institution partners 89.4% repeat-borrower contribution at June 30. That's a huge customer ecosystem. And smaller/weaker lenders are getting squeezed harder. So QFIN may ultimately emerge with a larger market share of a smaller industry. That's an important bullish possibility. *The stronger fintech platforms could gain business as the banking system becomes more concentrated and banks increasingly need technology for: credit underwriting customer acquisition risk management collections loan servicing That could ultimately favor QFIN's capital-light technology business. At $6.46, QFIN is now priced at approximately: ~1.5× trailing earnings And around: ~0.22× book value.

$QFIN 3rd Q will come even worse than 2nd Q China government is destroying the industry

$QFIN QFIN director Andrew Y. Yan sold 656,700 American Depositary Shares on Sep 24-25 at weighted averages of about $7.52 and $7.36 (~$4.89M). The ADS were held through Morning Star Resources Ltd. That ADS holding went to zero after. The filing still reports 850 Class A ordinary shares there. Source: SEC Form 4 filed Sep 28

$QFIN somehow John till will claim he sold at a profit on his QFIN despite saying he bought yesterday in the 7s and we haven’t even gone back up to 7s. Just watch.

$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..

$QFIN must have a lot of cash for hearse attorneys to hope they don't show up for litigation started, with the Safe Harbor and company filings to support the case for QFIN. Will they need additional info on China Reg changes in September that spurred more selling during a global energy crisis? attorneys with time on their hands to spare.

$QFIN in 2019/2020 the regulations from the China government destroyed the industry I remember investing in QD a company which huge earnings in p2p lending and all of a sudden it had to change their business The problem here is that we don’t know how long this could last and the real impact for a company like 360 F