Green rows = improving QoQ · red rows = declining. Figures indicative, drawn from reported results & guidance.
Latest earnings / delivery
Steady profit recovery
Revenue growth resumed with easing credit costs; management guided to continued volume recovery and reiterated a shareholder-return policy that puts the trailing yield near 28% at $1.33.
Capital return
Semi-annual dividend plus buybacks; payout backed by consistent net income and a low ~2x earnings multiple.
Catalysts vs Risks
▲ Catalysts
Continued credit-cost normalisationHIGH IMPACT
Outsized dividend + buybackHIGH IMPACT
China consumer stimulusMEDIUM
▼ Risks
China ADR / delisting riskHIGH IMPACT
Consumer-credit delinquency cycleHIGH IMPACT
FX and funding-cost sensitivityMEDIUM
Bottom line
Buy · Buy/Sell 77/100 · PT +157%
SELL / AVOIDHOLDATTRACTIVE BUY
A deep-value China consumer-finance ADR trading around 2x earnings with a ~28% headline yield and a book that keeps normalising. The reward-to-fundamentals gap is the widest in the portfolio, hence the top Buy/Sell score. Position for the ADR and China-macro risk that keeps the multiple this low.
Generated August 24, 2026. Prices reflect the last completed session (August 21, 2026), sourced via AlphaVantage & web research; some quotes carry data-provider lag — verify live prices before acting. 12-month charts are indicative. Risk score = Valuation 35% · Financial Health 35% · Growth 30% (0 = low risk, 100 = high risk). Buy/Sell weighs current price level against fundamentals (0 = avoid, 100 = attractive). For informational purposes only — not investment advice.