[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.] #  @jdmsparky Sparky Sparky posts on X about $qfin, $xyf, $jfin, $finv the most. They currently have XXX followers and XX posts still getting attention that total XXX engagements in the last XX hours. ### Engagements: XXX [#](/creator/twitter::1519485425735409664/interactions)  - X Week XXX +9.40% - X Month XXXXXX -XXXX% ### Mentions: XX [#](/creator/twitter::1519485425735409664/posts_active)  - X Week XX -XX% - X Month XX +79% ### Followers: XXX [#](/creator/twitter::1519485425735409664/followers)  - X Week XXX +2.40% - X Month XXX +23% ### CreatorRank: XXXXXXXXX [#](/creator/twitter::1519485425735409664/influencer_rank)  ### Social Influence **Social category influence** [finance](/list/finance) X% [currencies](/list/currencies) X% **Social topic influence** [$qfin](/topic/$qfin) #3, [$xyf](/topic/$xyf) #1, [$jfin](/topic/$jfin) #1, [$finv](/topic/$finv) #1, [environment](/topic/environment) 8%, [$pgy](/topic/$pgy) 4%, [pivot](/topic/pivot) 4%, [insurance](/topic/insurance) 4%, [$enva](/topic/$enva) 4%, [$lx](/topic/$lx) X% **Top accounts mentioned or mentioned by** [@justinvesttoday](/creator/undefined) [@giacobocanegra](/creator/undefined) [@vuittoncapital](/creator/undefined) [@masayoshisson](/creator/undefined) [@terenceleong46](/creator/undefined) [@ccmbrett](/creator/undefined) [@milkfluencer](/creator/undefined) [@kurrencytrader](/creator/undefined) [@grok](/creator/undefined) [@ccm_brett](/creator/undefined) **Top assets mentioned** [Pagaya Technologies Ltd. Class A Ordinary Shares (PGY)](/topic/$pgy) [Enova International, Inc. (ENVA)](/topic/$enva) ### Top Social Posts Top posts by engagements in the last XX hours "$qfin $xyf $finv $jfin $pgy loan facilitation comparison table. XYF still my favorite. then QFIN. JFIN has too little equity to pivot to capital heavy if need be. still good tho. **some players have other businesses (guarantee insurance) which skews the volume/sales ratios" [X Link](https://x.com/jdmsparky/status/1972134880231542899) 2025-09-28T03:02Z XXX followers, 4442 engagements "i talk alot about $XYF / $JFIN but i like $QFIN more now that i understand the current environment. They have a model that seems the most sustainable going forwards able to save their EBIT while maintaining compliance. turning into something closer to $ENVA. 4x 26e p/e too" [X Link](https://x.com/jdmsparky/status/1983036902362988665) 2025-10-28T05:03Z XXX followers, 2778 engagements "$qfin $finv $XYF $LX $jfin a must-read for those interested. panda knows this far better than i do. I wish i could say something but as stated nothing is clear" [X Link](https://x.com/jdmsparky/status/1985128268350038359) 2025-11-02T23:33Z XXX followers, 1728 engagements "$qfin $finv $xyf earnings soon I will provide my subpar coverage. Lets hope for some positive news on this space for once" [X Link](https://x.com/jdmsparky/status/1990212713793061240) 2025-11-17T00:17Z XXX followers, XXX engagements "$QFIN Hate saying "the market is wrong" but id wager QFIN is simply being overly cautious on provisioning. There is no reason for this space to implode and if it does QFIN would be the one left to take share. I imagine the Q4 guidance is also heavily dampened by provisions" [X Link](https://x.com/jdmsparky/status/1990918495325073775) 2025-11-18T23:02Z XXX followers, 1709 engagements "$QFIN 170m left worth of buybacks to be used this year. seems like they will follow through with that as stated on the call" [X Link](https://x.com/jdmsparky/status/1990956501368807734) 2025-11-19T01:33Z XXX followers, XXX engagements "@GiacoBocanegra $qfin $finv are the safe bets here. Low leverage stronger loan portfolios. They will be fine fwd p/es of 3.5-5 with growth likely after the storm passes" [X Link](https://x.com/jdmsparky/status/1993117559676137776) 2025-11-25T00:40Z XXX followers, XXX engagements "$QFIN is positioned best for the upcoming environment. $JFIN I'd worry about. They've grown too fast little equity. Likely 50%+ of their loans are non-compliant. and they have little flexibility for capital-heavy/on-bs lending. They may lose a huge chunk of volume" [X Link](https://x.com/jdmsparky/status/1983950574631710847) 2025-10-30T17:34Z XXX followers, 1191 engagements "$QFIN usually see FY guides and buyback plans in Q4 i don't expect much from Q3. important numbers are the provisions and Q4 NI guide" [X Link](https://x.com/jdmsparky/status/1990891229106598306) 2025-11-18T21:13Z XXX followers, XXX engagements "$QFIN yeah thats alot of provisioning. horrific guidance the question is is it transitory i think so" [X Link](https://x.com/jdmsparky/status/1990905433868190156) 2025-11-18T22:10Z XXX followers, 1265 engagements "$QFIN why are provisions up Some accounts have mentioned the fears on X (pandawatch 1lemonaday) but some people would use one personal loan to repay another. given XX% is now going away some consumers may default as that cycle is cut" [X Link](https://x.com/jdmsparky/status/1990922099171733630) 2025-11-18T23:16Z XXX followers, XXX engagements "@GiacoBocanegra I have done a significant amount of digging in this sector. Asked a Q on the call and have biweekly chats with $xyf IR. Yes its extremely cheap but they will likely lose profitability in coming quarters. Likely XX% of vol from 24%+. XX% of EBIT. Long run i like it. Good mgt" [X Link](https://x.com/jdmsparky/status/1993116829821419628) 2025-11-25T00:37Z XXX followers, XXX engagements "@VuittonCapital @milkfluencer I expect earnings to fall 75-125% remember the IRR on the 24%+ loans makes up more unit profit than sub 24%. then add credit provisioning and losses to that. $JFIN guided -XX% EBIT for Q4. I own this for the management and the P/TBV" [X Link](https://x.com/jdmsparky/status/1998228221767360789) 2025-12-09T03:08Z XXX followers, XX engagements
[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]
@jdmsparky Sparky
Sparky posts on X about $qfin, $xyf, $jfin, $finv the most. They currently have XXX followers and XX posts still getting attention that total XXX engagements in the last XX hours.
Engagements: XXX #
- X Week XXX +9.40%
- X Month XXXXXX -XXXX%
Mentions: XX #
- X Week XX -XX%
- X Month XX +79%
Followers: XXX #
- X Week XXX +2.40%
- X Month XXX +23%
CreatorRank: XXXXXXXXX #
Social Influence
Social category influence finance X% currencies X%
Social topic influence $qfin #3, $xyf #1, $jfin #1, $finv #1, environment 8%, $pgy 4%, pivot 4%, insurance 4%, $enva 4%, $lx X%
Top accounts mentioned or mentioned by @justinvesttoday @giacobocanegra @vuittoncapital @masayoshisson @terenceleong46 @ccmbrett @milkfluencer @kurrencytrader @grok @ccm_brett
Top assets mentioned Pagaya Technologies Ltd. Class A Ordinary Shares (PGY) Enova International, Inc. (ENVA)
Top Social Posts
Top posts by engagements in the last XX hours
"$qfin $xyf $finv $jfin $pgy loan facilitation comparison table. XYF still my favorite. then QFIN. JFIN has too little equity to pivot to capital heavy if need be. still good tho. **some players have other businesses (guarantee insurance) which skews the volume/sales ratios"
X Link 2025-09-28T03:02Z XXX followers, 4442 engagements
"i talk alot about $XYF / $JFIN but i like $QFIN more now that i understand the current environment. They have a model that seems the most sustainable going forwards able to save their EBIT while maintaining compliance. turning into something closer to $ENVA. 4x 26e p/e too"
X Link 2025-10-28T05:03Z XXX followers, 2778 engagements
"$qfin $finv $XYF $LX $jfin a must-read for those interested. panda knows this far better than i do. I wish i could say something but as stated nothing is clear"
X Link 2025-11-02T23:33Z XXX followers, 1728 engagements
"$qfin $finv $xyf earnings soon I will provide my subpar coverage. Lets hope for some positive news on this space for once"
X Link 2025-11-17T00:17Z XXX followers, XXX engagements
"$QFIN Hate saying "the market is wrong" but id wager QFIN is simply being overly cautious on provisioning. There is no reason for this space to implode and if it does QFIN would be the one left to take share. I imagine the Q4 guidance is also heavily dampened by provisions"
X Link 2025-11-18T23:02Z XXX followers, 1709 engagements
"$QFIN 170m left worth of buybacks to be used this year. seems like they will follow through with that as stated on the call"
X Link 2025-11-19T01:33Z XXX followers, XXX engagements
"@GiacoBocanegra $qfin $finv are the safe bets here. Low leverage stronger loan portfolios. They will be fine fwd p/es of 3.5-5 with growth likely after the storm passes"
X Link 2025-11-25T00:40Z XXX followers, XXX engagements
"$QFIN is positioned best for the upcoming environment. $JFIN I'd worry about. They've grown too fast little equity. Likely 50%+ of their loans are non-compliant. and they have little flexibility for capital-heavy/on-bs lending. They may lose a huge chunk of volume"
X Link 2025-10-30T17:34Z XXX followers, 1191 engagements
"$QFIN usually see FY guides and buyback plans in Q4 i don't expect much from Q3. important numbers are the provisions and Q4 NI guide"
X Link 2025-11-18T21:13Z XXX followers, XXX engagements
"$QFIN yeah thats alot of provisioning. horrific guidance the question is is it transitory i think so"
X Link 2025-11-18T22:10Z XXX followers, 1265 engagements
"$QFIN why are provisions up Some accounts have mentioned the fears on X (pandawatch 1lemonaday) but some people would use one personal loan to repay another. given XX% is now going away some consumers may default as that cycle is cut"
X Link 2025-11-18T23:16Z XXX followers, XXX engagements
"@GiacoBocanegra I have done a significant amount of digging in this sector. Asked a Q on the call and have biweekly chats with $xyf IR. Yes its extremely cheap but they will likely lose profitability in coming quarters. Likely XX% of vol from 24%+. XX% of EBIT. Long run i like it. Good mgt"
X Link 2025-11-25T00:37Z XXX followers, XXX engagements
"@VuittonCapital @milkfluencer I expect earnings to fall 75-125% remember the IRR on the 24%+ loans makes up more unit profit than sub 24%. then add credit provisioning and losses to that. $JFIN guided -XX% EBIT for Q4. I own this for the management and the P/TBV"
X Link 2025-12-09T03:08Z XXX followers, XX engagements