QFIN

Analyst sentiment is Neutral, with one analyst maintaining a Buy rating (target $50) but no consensus. Fund-flow data show a good overall score (7.9/10), driven by block and extra-large inflows despite negative small- and medium-size trends. Specifically, block inflow ratio (0.5027) and large inflow ratio (0.5197) lean positive, while small inflow ratio (0.4916) remains neutral. This mixed flow profile suggests institutional interest without broad retail participation. The Neutral analyst stance and uneven fund flows underscore uncertainty, reinforcing the defensive recommendation.