# ![@GiovanniR33733 Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::1993067912194932742.png) @GiovanniR33733 Giovanni Rosati

Giovanni Rosati posts on X about $xyf, business, $qfin, share the most. They currently have [--] followers and [--] posts still getting attention that total [--] engagements in the last [--] hours.

### Engagements: undefined [#](/creator/twitter::1993067912194932742/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1993067912194932742/c:line/m:interactions.svg)

- [--] Week [--] -79%
- [--] Month [-----] +218%

### Mentions: undefined [#](/creator/twitter::1993067912194932742/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1993067912194932742/c:line/m:posts_active.svg)

- [--] Week [--] -60%
- [--] Month [--] +40%

### Followers: [--] [#](/creator/twitter::1993067912194932742/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1993067912194932742/c:line/m:followers.svg)


### CreatorRank: undefined [#](/creator/twitter::1993067912194932742/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1993067912194932742/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[finance](/list/finance)  [countries](/list/countries)  [stocks](/list/stocks)  [technology brands](/list/technology-brands) 

**Social topic influence**
[$xyf](/topic/$xyf), [business](/topic/business), [$qfin](/topic/$qfin), [share](/topic/share), [market cap](/topic/market-cap), [$jfin](/topic/$jfin), [$finv](/topic/$finv), [insurance](/topic/insurance), [cash flow](/topic/cash-flow), [flow](/topic/flow)

**Top assets mentioned**
[PayPal Holdings Inc (PYPL)](/topic/$pypl) [Kaspi.kz Joint Stock Company (KSPI)](/topic/$kspi)
### Top Social Posts
Top posts by engagements in the last [--] hours

"@jdmsparky $XYF will make it its not that small like market cap would suggest (1B$ equity [---] million cash I think even $JFIN but smaller and riskier [---] million equity but lower cash reserves). Of course $QFIN and $FINV are safer bets yet $XYF is by far the cheapest stock to own"  
[X Link](https://x.com/GiovanniR33733/status/2001767479870443902)  2025-12-18T21:32Z [--] followers, [--] engagements


"@investingmob They mainly are a loan facilitator business earning fees through credit assessment post origination service and for some loans insurance and guarantee services. I found this bull case article worth reading. https://beyondspx.com/quote/XYF/analysis/x-financial-s-regulatory-reckoning-why-a-1-25-p-e-multiple-signals-deep-value-amid-china-s-fintech-reset-nyse-xyf https://beyondspx.com/quote/XYF/analysis/x-financial-s-regulatory-reckoning-why-a-1-25-p-e-multiple-signals-deep-value-amid-china-s-fintech-reset-nyse-xyf"  
[X Link](https://x.com/GiovanniR33733/status/2010028811099029968)  2026-01-10T16:39Z [--] followers, [--] engagements


"@JuliusXXVI @Kacper_PK_CH 5% growth+ 10% return on buybacks= 15% CAGR assuming no multiple expansion"  
[X Link](https://x.com/GiovanniR33733/status/2011121110306218277)  2026-01-13T17:00Z [--] followers, [--] engagements


"@investingbyGenZ It depends on its cost of capital and long term growth expectation. Lets assume its cost of capital is 10%. With a [--] Price to free cash flow in a stationary business you get 100/7143% long term return. So you can price in a small decline around 4% long term in this case"  
[X Link](https://x.com/GiovanniR33733/status/2014781975702237451)  2026-01-23T19:27Z [--] followers, [--] engagements


"$XYF crazy undervaluation even in a case of business collapse they can start back with $1.1 billion equity. Lets discount it for 30% to price in receivable risks and some losses you still have $770 million risk adjusted equity which is $20 per share"  
[X Link](https://x.com/anyuser/status/2011093150803378458)  2026-01-13T15:09Z [--] followers, [---] engagements


"@FriendlyCapMgmt @shravanrayhaan [---] Billion for a growth company that made [--] million last year is not expensive of course. Yet in China you can find much cheaper investments like $XYF $YRD and $QFIN. Theyre facing reg crackdown but every china company is subject to reg risk so its fairly priced probably"  
[X Link](https://x.com/GiovanniR33733/status/2014700558213321060)  2026-01-23T14:03Z [--] followers, [---] engagements


"@andrew1corpora1 @FriendlyCapMgmt @shravanrayhaan @paul Dont know $GTEC so probably not 😅. Dont have a long track record but right now not outperforming for sure. Im pointing strongly on $XYF but I also love $QFIN $PYPL and $KSPI"  
[X Link](https://x.com/GiovanniR33733/status/2017604839140729034)  2026-01-31T14:24Z [--] followers, [---] engagements


"@shravanrayhaan @andrew1corpora1 @FriendlyCapMgmt @paul @pandawatch88 Not arguing that reg will impact them management has been transparent and stressed multiple times the compliance first approach. Btw the last 20F is referred to [----] and things might have changed. Still we all know the metrics and consequently the margin of safety"  
[X Link](https://x.com/GiovanniR33733/status/2017965380036145533)  2026-02-01T14:16Z [--] followers, [--] engagements


"@shravanrayhaan @andrew1corpora1 @FriendlyCapMgmt @paul @pandawatch88 Here is the definition of APR which includes the guarantee fees didnt understood whether the 24% cap (which potentially can become 20%) is referred specifically to this metric but if its so the impact to the business shouldnt be that great"  
[X Link](https://x.com/GiovanniR33733/status/2018007902569505254)  2026-02-01T17:05Z [--] followers, [--] engagements


"@shravanrayhaan @andrew1corpora1 @FriendlyCapMgmt @paul @pandawatch88 Yeah hidden costs for the borrower but already included in the APR. The only thing regulators might come in for better disclosure to the borrower of the hidden costs"  
[X Link](https://x.com/GiovanniR33733/status/2018242040648130639)  2026-02-02T08:36Z [--] followers, [--] engagements


"$XYF crazy undervaluation even in a case of business collapse they can start back with $1.1 billion equity. Lets discount it for 30% to price in receivable risks and some losses you still have $770 million risk adjusted equity which is $20 per share"  
[X Link](https://x.com/anyuser/status/2011093150803378458)  2026-01-13T15:09Z [--] followers, [---] engagements


"Efficient market Hypothesis dismantled in one image"  
[X Link](https://x.com/anyuser/status/2010032428287676430)  2026-01-10T16:54Z [--] followers, [--] engagements

Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing