Qfin Holdings, Inc. 奇富科技股份有限公司 （於開曼群島註冊成立的有限公司） （股份代號：3660） 董事會會議日期及刊發2025年第二季度及中期財務業績公告日期 香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示概不會就本公告全部或任何部分內容而產生或因倚賴 該等內容而引致的任何損失承擔任何責任。 此外，本公司網站https://ir.qfin.com投資者關係一欄可收聽電話會議的網絡直播 及錄播。 承董事會命 奇富科技股份有限公司 首席執行官 奇富科技股份有限公司（「本公司」）董事會（「董事會」）將於2025年8月14日（星期 四）（北京╱香港時間）舉行董事會會議，旨在（其中包括）批准本公司截至2025年 6月30日止第二季度及六個月的未經審計財務業績及公告（「2025年第二季度及中 期財務業績」）及考慮建議派發股息（如有）。本公司將於2025年8月15日（星期五） （北京╱香港時間）在香港聯合交易所有限公司交易時段前，於香港聯合交易所有 限公司網站www.hkexnews.hk及本公司網站https://ir.qfi ...

Company Overview - Qfin Holdings, Inc. is a leading AI-empowered Credit-Tech platform in China, providing a comprehensive suite of technology services to assist financial institutions, consumers, and SMEs throughout the loan lifecycle [5] Financial Results Announcement - Qfin Holdings will report its unaudited financial results for the second quarter ended June 30, 2025, after U.S. markets close on August 14, 2025 [1] - An earnings conference call will be hosted by the management team at 8:30 PM U.S. Eastern Time on August 14, 2025 [2] Conference Call Details - Participants must pre-register online to join the conference call, receiving details including dial-in numbers and a unique access PIN [3] - A live and archived webcast of the conference call will be available on the Investor Relations section of the Company's website [4]

Core Viewpoint - QFIN reported a revenue of 4.691 billion RMB for the fiscal year ending March 31, 2025, representing a year-on-year growth of 12.94%, and a net profit of 1.8 billion RMB, up 54.62% year-on-year [1][2] Group 1: Company Overview - QFIN is a leading credit technology platform in China, focused on providing innovative credit services to financial institutions, consumers, and small and micro enterprises [2][3] - The company aims to enhance the credit service experience by leveraging technology to connect financial institutions with borrowers, improving credit assessment and risk management [2][3] Group 2: Target Audience - The company targets consumers who are underserved by traditional financial institutions, particularly those with short credit histories and high potential for growth [3][4] - Small and micro enterprises are also a key focus, as they often lack access to credit due to traditional institutions' emphasis on larger businesses with established credit histories [4] Group 3: Services Offered - QFIN provides credit-driven services that match potential borrowers with financial institutions, facilitating credit assessments and loan matching [4][5] - The platform services include comprehensive loan matching and post-loan services, utilizing the Intelligent Credit Engine (ICE) for smart marketing and risk management [5][6] - The company operates a light capital model, charging service fees for facilitating loans without taking on credit risk [6][7] Group 4: Partnerships and Collaborations - As of June 30, 2022, QFIN has established partnerships with 133 financial institutions, including state-owned and regional banks, enhancing its service offerings [2][3]

Core Insights - The core competitiveness of financial AI lies in the deep integration of data assets, real-world scenarios, and financial technology genes, leading to synergistic effects [1] - The company has launched its self-developed financial AI platform and various intelligent applications, including AI approval officers and AI decision assistants [1] - The company’s credit assessment products for small and micro enterprises face significant technical challenges, particularly in data processing and model risk identification [1] Data and Technology - The intelligent assessment module for small and micro enterprises covers 99% of such businesses, with an accuracy rate of 98% for macro and micro information, addressing the financing pain points of "data scarcity and difficult assessment" [2] - Solutions for improving data accuracy and stability include activating knowledge through a knowledge graph and injecting past successful experiences into the model [2] - Establishing an open and transparent assessment system is crucial for the industry [2] Future Development - The company has recently implemented two model development intelligent agents that work 24/7, significantly enhancing work efficiency and improving model performance by nearly 1% in one month [3] - Future directions include creating an end-to-end decision risk intelligent agent to automate the entire process from data input to risk judgment and decision output [3] - The company anticipates that in about two years, AI intelligent agents may appear more as "digital employees," deeply involved in various business operations of financial institutions [3]

Group 1 - The World Artificial Intelligence Conference (WAIC) was held in Shanghai, highlighting the challenges faced by over 1.1 million small and micro enterprises in China, including poor risk resistance and information asymmetry [1] - Qifu Technology showcased its self-developed financial AI platform Deepbank and four core AI assistants, emphasizing the importance of high-quality data and a dynamic financial knowledge graph for the evolution of its credit intelligence [1] - The AI Compliance Assistant significantly improves compliance efficiency, reducing the time to interpret regulatory documents from 40 hours to 2 hours and increasing policy adaptation accuracy from 68% to 99.2% [1] Group 2 - The financial AI industry faces challenges related to the limitations of large models, including difficulties in understanding and executing instructions in complex scenarios, leading to potential inaccuracies [2] - Qifu Technology has discussed the application of embodied intelligence in financial business scenarios but currently does not prioritize it, as finance primarily operates in a digital realm without the need for physical interaction [2]

Core Insights - The core competitiveness of financial AI lies in the deep integration of data assets, real-world scenarios, and the genetic makeup of financial technology, along with the synergistic effects generated from this integration [1]

Core Insights - The core competitive advantage of Qifu Technology in financial AI lies in the deep integration of data assets, real-world scenarios, and its fintech DNA, creating a synergistic effect [1][3] - Since launching its financial large model strategy in 2023, Qifu Technology has shifted its service model from providing technical solutions to banks to delivering AI "productivity" [2] Data and User Base - Qifu Technology has accumulated over 100 million user financial data over nine years, forming a significant professional barrier that is difficult to replicate [1] - The business scale of Qifu Technology's subsidiary, Qifu Shuke, empowered by fintech solutions, surged approximately 144% year-on-year by March 2025 [3] AI Applications and Efficiency - Qifu Technology has developed the industry's first intelligent agent that empowers core credit business, consisting of various modules such as end-to-end credit decision-making and AI compliance assistants [2] - The efficiency leap is evident as intelligent agents have evolved from auxiliary roles to independent "digital employees," significantly enhancing the AUC of core scenario models by 1% [2] Cognitive and Perceptual Enhancements - Multi-modal intelligent agents have rapidly improved user understanding, driving key model AUC up by nearly one point, while image-enhanced intelligent agents have optimized over 70% of core user labels [2] Production Model Evolution - The end-to-end risk decision-making intelligent agent is taking shape, integrating over 700 models and more than 7,000 strategy modules, gradually becoming a strong supplement to traditional risk control systems [2][3] Strategic Collaborations - Qifu Technology's AI + finance strategic collaborations with multiple banks are accelerating the implementation of its solutions [3]

Core Viewpoint - Growth investors are increasingly focused on stocks with above-average financial growth, which can lead to solid returns, but identifying such stocks is challenging due to inherent volatility and risks [1] Group 1: Company Overview - Qifu Technology, Inc. (QFIN) is highlighted as a promising growth stock, currently recommended by the Zacks Growth Style Score system, which evaluates a company's growth potential beyond traditional metrics [2] - The company has achieved a Growth Score of B and a Zacks Rank of 1 (Strong Buy), indicating strong potential for outperformance in the market [9] Group 2: Earnings Growth - The historical EPS growth rate for Qifu Technology, Inc. is 8.3%, but projected EPS growth for this year is significantly higher at 25.6%, surpassing the industry average of 24.2% [4] Group 3: Cash Flow Growth - Qifu Technology, Inc. has demonstrated a year-over-year cash flow growth of 41.5%, which is substantially higher than the industry average of -13.3% [5] - The company's annualized cash flow growth rate over the past 3-5 years stands at 19.2%, compared to the industry average of 14.5% [6] Group 4: Earnings Estimate Revisions - There has been a positive trend in earnings estimate revisions for Qifu Technology, Inc., with the current-year earnings estimates increasing by 0.3% over the past month [7]

Core Viewpoint - Canada Goose (GOOS) is highlighted as a strong investment opportunity with a Zacks Rank of 1 (Strong Buy) and a positive earnings outlook for the current year [1] Company Summary - Canada Goose is a global outerwear brand that specializes in the design, manufacturing, distribution, and retail of premium outerwear for men, women, and children [1] - The Zacks Consensus Estimate for Canada Goose's current year earnings has increased by 2.3% over the last 60 days [1]

Core Viewpoint - Qifu Technology, Inc. (QFIN) has received an upgrade to a Zacks Rank 1 (Strong Buy) due to an upward trend in earnings estimates, which is a significant factor influencing stock prices [1][4]. Earnings Estimates and Ratings - The Zacks rating system is primarily driven by changes in a company's earnings picture, specifically the Zacks Consensus Estimate for EPS from sell-side analysts [2]. - The Zacks rating upgrade for Qifu Technology indicates a positive outlook on its earnings, which could positively affect its stock price [4][6]. Impact of Earnings Estimates on Stock Prices - There is a strong correlation between changes in earnings estimates and near-term stock price movements, with institutional investors playing a role in this relationship [5]. - Rising earnings estimates and the subsequent rating upgrade suggest an improvement in Qifu Technology's underlying business, which should lead to higher stock prices [6]. Importance of Earnings Estimate Revisions - Empirical research supports the idea that tracking earnings estimate revisions can be beneficial for investment decisions, highlighting the effectiveness of the Zacks Rank stock-rating system [7]. - The Zacks Rank system classifies stocks into five groups based on earnings estimates, with Zacks Rank 1 stocks historically generating an average annual return of +25% since 1988 [8]. Specifics on Qifu Technology's Earnings Estimates - Qifu Technology is projected to earn $7.11 per share for the fiscal year ending December 2025, with no year-over-year change expected [9]. - Over the past three months, the Zacks Consensus Estimate for Qifu Technology has increased by 2.6% [9]. Conclusion on Zacks Rating System - The Zacks rating system maintains a balanced distribution of "buy" and "sell" ratings across its universe of over 4,000 stocks, with only the top 5% receiving a "Strong Buy" rating [10]. - The upgrade of Qifu Technology to a Zacks Rank 1 places it in the top 5% of Zacks-covered stocks, indicating a strong potential for market-beating returns in the near term [11].