Core Viewpoint - QFIN's stock price increased by 2.12% on May 1, reaching $41.9 per share, with a total market capitalization of $5.879 billion. The company reported a total revenue of 17.166 billion RMB for the year ending December 31, 2024, representing a year-on-year growth of 5.38%, and a net profit of 6.264 billion RMB, which is a 46.18% increase 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, enabling consumers and small businesses to access personalized credit solutions [2][3]. - The company collaborates with 133 financial institutions, including state-owned and regional banks, as well as consumer finance companies, to enhance credit assessment and risk management [2]. Group 2: Target Audience - The company targets consumers who are underserved by traditional financial institutions, particularly those with limited credit histories but stable incomes and high growth potential [3][4]. - QFIN also focuses on small and micro enterprises that lack sufficient credit history and collateral, offering tailored loan products to meet their needs [4]. Group 3: Service Offerings - QFIN provides two main types of services: credit-driven services and platform services, both designed to improve the lending process and enhance the borrowing experience [4][5]. - Credit-driven services involve matching potential borrowers with financial institutions, where QFIN assumes some credit risk by providing default risk guarantees [5][6]. - Platform services include a range of technology solutions throughout the loan lifecycle, such as borrower acquisition, credit assessment, and post-loan services, without assuming credit risk [6][7]. Group 4: Technology and Innovation - The company utilizes its proprietary Intelligent Credit Engine (ICE) to offer smart marketing services and assist financial institutions in initial credit screening [6][7]. - QFIN has also introduced a risk management SaaS service to help financial institutions improve their credit assessment processes [7].

Investors interested in Technology Services stocks are likely familiar with Qifu Technology, Inc. (QFIN) and Symbotic Inc. (SYM) . But which of these two stocks presents investors with the better value opportunity right now? Let's take a closer look.We have found that the best way to discover great value opportunities is to pair a strong Zacks Rank with a great grade in the Value category of our Style Scores system. The Zacks Rank favors stocks with strong earnings estimate revision trends, and our Style Sc ...

Core Insights - The eighth Digital China Construction Summit was held in Fuzhou, Fujian Province, focusing on the theme of "Artificial Intelligence Leading the New Trend of Digital Development" [2] - QiFu Technology emphasizes that AI innovation must be practical and industry-relevant, with a strategic focus on digital transformation and efficiency improvement [2][3] - The company is set to develop end-to-end financial solutions starting in 2024, building on its initial focus on efficiency-enhancing tools like copilot [2] Group 1 - QiFu Technology identifies three key development directions for the future: upgrading collaboration models, enhancing production materials, and transforming production modes [3] - The integration of intelligent agents and virtual employees into enterprise operations marks the beginning of a fully intelligent era for QiFu Technology [3] - The advancement of multimodal technology will enhance machines' perception and cognitive abilities regarding the physical world, thereby improving digital capabilities [3] Group 2 - QiFu Technology is exploring the application of self-developed large model technology in the microfinance sector, aiming to optimize loan accessibility for small and micro enterprises [3] - The company is focused on deep data mining to accurately identify small business owners and improve industry classification and customer profiling [3]

Market Overview - Markets experienced significant fluctuations in April, primarily influenced by changing trade news, including new tariffs announced by President Trump, which led to a sharp stock reaction [1] - The S&P 500 has seen five consecutive days of gains but remains down over 1% for the month, with investors now focusing on a week filled with corporate earnings and key economic data such as GDP, inflation, and jobs reports [1] Value Investing - In volatile market conditions, value investing is particularly relevant as value stocks, often trading below their true worth, can provide stability [2] - Investing in solid, undervalued companies is suggested as a safer strategy, with specific stocks highlighted for their high earnings yield [3] Earnings Yield Metric - Earnings yield, calculated as annual earnings per share (EPS) divided by market price, is a useful metric for identifying attractively valued stocks [4] - A higher earnings yield indicates undervaluation compared to stocks with lower yields, which are seen as overpriced [4] Stock Screening Criteria - A primary screening criterion for stock selection is an earnings yield greater than 10%, supplemented by estimated EPS growth for the next 12 months being greater than or equal to the S&P 500 [7] - Additional criteria include an average daily volume of at least 100,000 and a current price of $5 or more [8][9] Stock Recommendations - **Equinox Gold Corp. (EQX)**: A Canadian mining company with a projected earnings growth of 355% and 30.4% for 2025 and 2026, respectively, and a Zacks Rank 1 [10][11] - **NCR Atleos Corp (NATL)**: Provides digital banking solutions with an estimated earnings growth of 24.5% and 22.4% for 2025 and 2026, respectively, also holding a Zacks Rank 1 [12][13] - **AerSale Corp (ASLE)**: Offers aviation products and services with projected earnings growth of 289% and 23% for 2025 and 2026, respectively, and a Zacks Rank 1 [14][15] - **Qifu Technology, Inc. (QFIN)**: An AI-driven Credit-Tech platform with expected earnings growth of 22.4% and 12.12% for 2025 and 2026, respectively, and a Zacks Rank 1 [16][17]

Group 1 - The event "Dual Empowerment: 2025 Guangzhou AI and Modern Finance Integration" was held in Guangzhou, focusing on the integration of AI and finance [1] - The former Deputy Governor of the People's Bank of China, Li Dongrong, emphasized that digital finance serves as a connector and booster for other financial sectors, driven by data elements and digital technology [1] - The CEO of Qifu Technology, Wu Haisheng, stated that the application of large models in finance is about to enter an explosive phase, enhancing AI penetration in the financial sector [1] Group 2 - Qifu Technology's President, Zhou Xuqiang, projected that the credit approval sector will undergo profound changes in the next 5 to 10 years, with deep integration of AI and financial operations [2] - Qifu has developed four financial AI agents: AI Marketing Assistant, AI Approval Officer, AI Decision Assistant, and AI Compliance Assistant, based on their proprietary heterogeneous model platform [2] - Qifu has partnered with multiple financial institutions, including Guangdong Huaxing Bank, to explore the application of AI agents in various business scenarios, focusing on marketing, risk control, decision analysis, and compliance [2]

在消费信贷助力消费市场蓬勃发展的大潮中，金融科技行业的竞争愈发白热化。用户对信贷服务的需 求，早已从单纯的能借钱，提升至"快、准、稳"的高品质体验。奇富科技(QFIN.US)最新数据显示，平 台用户复贷率连续9个季度超90%，显著高于行业平均水平。这一数据的背后，是用户对平台"极简流 程、极致体验"服务逻辑的认可。而将这种服务理念转化为市场竞争力的关键，在于技术驱动下的全流 程创新。 如果说极简流程是用户体验的基石，那么智能风控则是效率提升的核心引擎。平台通过AI风控模型实 现99.5%申请的"秒批"，平均审批时间从原3分钟以上缩短至最快20秒，5分钟内放款到账率高达90%。 这种近乎无感的服务体验，成功覆盖90%使用场景，让用户真正感受到"急需即得"的便利。 极致服务：24小时响应，解决"最后一公里"焦虑 在实现技术赋能的效率突破后，奇富科技进一步洞察到：金融服务的特殊性在于，用户往往在深夜、节 假日等非标时段产生紧急需求。为此，平台构建起"AI+人工"的全时段守护体系，将服务触角延伸至用 户体验的每个神经末梢。 7×24小时在线客服系统实现用户咨询毫秒级响应，AI伴侣小奇通过自然语言处理技术，智能化解决8 ...

Core Viewpoint - QFIN's stock opened up 3.43% on April 17, with a market cap of $5.303 billion and a revenue of 17.166 billion RMB, reflecting a year-on-year growth of 5.38% [1][2] Financial Performance - As of December 31, 2024, QFIN reported total revenue of 17.166 billion RMB, a 5.38% increase year-on-year [1] - The net profit attributable to shareholders reached 6.264 billion RMB, marking a significant year-on-year growth of 46.18% [1] Upcoming Events - QFIN is scheduled to disclose its Q1 2025 financial report on May 19, with the actual date subject to company announcements [2] Company Overview - QFIN is a leading credit technology platform in China, focused on providing innovative credit services to financial institutions and facilitating access to credit for consumers and small businesses [2][3] - The company collaborates with 133 financial institutions, including state-owned and regional banks, to enhance credit assessment and risk management [2] Target Market - The company targets consumers who are underserved by traditional financial institutions, particularly those with limited credit histories but stable incomes [3] - QFIN also focuses on small and micro enterprises that lack sufficient credit history and collateral, offering tailored loan products [4] Service Offerings - QFIN provides credit-driven services that match potential borrowers with financial institutions, enhancing credit assessment and loan facilitation [4][5] - The platform services include comprehensive loan matching and post-loan services, utilizing a light capital model that minimizes credit risk for the company [6][7] Technology Solutions - The company employs the Intelligent Credit Engine (ICE) to offer smart marketing services and assist financial institutions in initial credit screening [6] - QFIN also provides risk management SaaS solutions to help financial institutions improve their credit assessment processes [7]

For those looking to find strong Business Services stocks, it is prudent to search for companies in the group that are outperforming their peers. Has Casella (CWST) been one of those stocks this year? By taking a look at the stock's year-to-date performance in comparison to its Business Services peers, we might be able to answer that question.Casella is a member of the Business Services sector. This group includes 272 individual stocks and currently holds a Zacks Sector Rank of #5. The Zacks Sector Rank gau ...

Qifu Technology, Inc. (QFIN) shares ended the last trading session 6.2% higher at $38.63. The jump came on an impressive volume with a higher-than-average number of shares changing hands in the session. This compares to the stock's 15.8% loss over the past four weeks.The stock has recorded this price rise as the company benefits from a decline in the delinquency rate after 30-day collection on the overall loan portfolio. Furthermore, an increase in total loan facilitation and origination volume on the compa ...

Investors interested in stocks from the Technology Services sector have probably already heard of Qifu Technology, Inc. (QFIN) and Climb Global Solutions (CLMB) . But which of these two stocks is more attractive to value investors? We'll need to take a closer look to find out.The best way to find great value stocks is to pair a strong Zacks Rank with an impressive grade in the Value category of our Style Scores system. The Zacks Rank is a proven strategy that targets companies with positive earnings estimat ...