Core Viewpoint - Qifu Technology, a leading AI-empowered Credit-Tech platform in China, is set to report its unaudited financial results for Q1 2025 on May 19, 2025, after U.S. markets close [1]. Financial Results Announcement - The unaudited financial results for the first quarter ended March 31, 2025, will be reported after U.S. markets close on May 19, 2025 [1]. - An earnings conference call will be hosted by the management team at 8:30 PM U.S. Eastern Time on May 19, 2025 [2]. Conference Call Details - Participants must pre-register online to join the conference call, with a registration link provided [3]. - A live and archived webcast of the conference call will be available on the Investor Relations section of the Company's website [4]. Company Overview - Qifu Technology is recognized as a leading AI-empowered Credit-Tech platform in China, utilizing machine learning models and data analytics to offer a comprehensive suite of technology services [5]. - The Company aims to enhance accessibility and personalization of credit services for consumers and SMEs through its Credit-Tech services [5].

Core Viewpoint - QFIN's stock price increased by 2.01% to $43.64 per share, with a total market capitalization of $6.123 billion as of May 6 [1] - For the fiscal year ending December 31, 2024, QFIN reported total revenue of 17.166 billion RMB, a year-on-year increase of 5.38%, and a net profit attributable to shareholders of 6.264 billion RMB, a year-on-year increase of 46.18% [1] 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 accessibility and personalization of credit services through technology solutions, helping financial institutions identify and assess potential borrowers [2][3] 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] - 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: Services Offered - QFIN provides two main types of services: credit-driven services and platform services, both designed to improve the lending process and borrower experience [4][5] - Credit-driven services involve matching potential borrowers with financial institutions, where QFIN assumes some credit risk [4][6] - Platform services include a range of technology solutions for different stages of the loan lifecycle, such as borrower acquisition and credit assessment, without assuming credit risk [5][6] 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]

Qifu Technology ( QFIN ) has been delivering quite good results over the last few quarters with improving asset quality amid macroeconomic headwinds. Moreover, the recent Chinese policymaker focus on consumer spending can spur demand forI am a value focused investor, conducting fundamental research on sectors like but not limited to chemicals, homebuilders, building materials, industrials and metals & mining. I prefer to invest in stocks which are cheaply available and have a catalyst in the near future. My ...

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]

Core Insights - The financial technology industry is experiencing intensified competition driven by consumer demand for high-quality credit services that emphasize speed, accuracy, and stability [1] - QFIN's platform has achieved a user re-borrowing rate exceeding 90% for nine consecutive quarters, significantly higher than the industry average, indicating strong user satisfaction with its streamlined service [1] Group 1: Simplified Processes - QFIN has compressed the entire loan process from application to disbursement to the industry's limits, enhancing efficiency through deep user behavior data analysis and AI technology [2] - The application process has been simplified to just two steps, significantly reducing abandonment rates, with returning users completing the process in under two minutes [2] - The platform's AI risk control model allows for 99.5% of applications to be approved almost instantly, with an average approval time reduced from over three minutes to as fast as 20 seconds [2] Group 2: Exceptional Service - QFIN has established a 24/7 customer service system that provides millisecond-level response times, with AI handling over 80% of common inquiries [3] - The proactive service system includes automatic reminders for repayment and credit limit expirations, reducing user overdue rates by approximately 12% [3] - User feedback indicates that 72% of repeat borrowers appreciate the quick customer response, and 65% value timely reminders to avoid overdue payments [3] Group 3: Long-term Trust - High re-borrowing rates reflect users' long-term trust in the platform, supported by both technological capabilities and quality service [4] - QFIN's dynamic credit system allows 85% of long-term users to receive credit limit increases, reinforcing the idea that increased usage leads to better service [4] - The platform maintains a balance between convenience and risk control, with overdue rates for repeat borrowers being 20% lower than for new users, demonstrating effective risk management [4]

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]