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# ![@jdmsparky Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::1519485425735409664.png) @jdmsparky Sparky

Sparky posts on X about $qfin, $finv, $xyf, $jfin 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)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1519485425735409664/c:line/m:interactions.svg)

- X Week XXX -XX%
- X Month XXXXXX -XXXX%

### Mentions: X [#](/creator/twitter::1519485425735409664/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1519485425735409664/c:line/m:posts_active.svg)

- X Week XX -XX%
- X Month XX +73%

### Followers: XXX [#](/creator/twitter::1519485425735409664/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1519485425735409664/c:line/m:followers.svg)

- X Week XXX +3%
- X Month XXX +21%

### CreatorRank: XXXXXXXXX [#](/creator/twitter::1519485425735409664/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1519485425735409664/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[stocks](/list/stocks)  XXXX% [countries](/list/countries)  XXXX%

**Social topic influence**
[$qfin](/topic/$qfin) #1, [$finv](/topic/$finv) #1, [$xyf](/topic/$xyf) #1, [$jfin](/topic/$jfin) #1, [$wu](/topic/$wu) 5.26%, [business](/topic/business) 5.26%, [$wisel](/topic/$wisel) 5.26%, [fine](/topic/fine) 5.26%, [$enva](/topic/$enva) 5.26%, [environment](/topic/environment) XXXX%

**Top accounts mentioned or mentioned by**
[@giacobocanegra](/creator/undefined) [@vuittoncapital](/creator/undefined) [@justinvesttoday](/creator/undefined) [@ccmbrett](/creator/undefined) [@milkfluencer](/creator/undefined) [@kurrencytrader](/creator/undefined) [@grok](/creator/undefined)

**Top assets mentioned**
[Western Union Co (WU)](/topic/$wu) [Enova International, Inc. (ENVA)](/topic/$enva)
### Top Social Posts
Top posts by engagements in the last XX hours

"$JFIN started a small position at XX while working on writeup. I only had XYF before but given JFIN is now worth less the gap has shrunk. Valuation here simply too low even if EBIT falls XX% worst case scenario its a p/e of X. $qfin $finv still falling watching those"  
[X Link](https://x.com/jdmsparky/status/1978866507355504671)  2025-10-16T16:51Z XXX followers, 2940 engagements


"@CCM_Brett Good company. But active customers & send volume growth is slowing. Business model isnt too special (newer $wu) especially compared to $WISE.L. but its not bad"  
[X Link](https://x.com/jdmsparky/status/1992845270095220903)  2025-11-24T06:38Z 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


"@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


"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, 2794 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, 1733 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 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 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, 1755 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


"Further reason to own $QFIN $FINV over a $jfin or $xyf"  
[X Link](https://x.com/jdmsparky/status/2000111652893577524)  2025-12-14T07:52Z XXX followers, XXX engagements