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    Alan Chen

    Research Analyst at Citigroup Inc.

    Alan Chen is an analyst at Citigroup Inc., holding the position of Vice President and specializing in U.S. technology sector equity research. He covers major publicly traded technology companies including Apple, Microsoft, Alphabet, and Amazon, and is recognized for providing detailed company-specific investment research and market insights. Since joining Citigroup in 2020, Alan has produced investment calls with an average success rate above 60% according to third-party performance trackers and has been recognized for delivering actionable analyses to institutional clients. Prior to joining Citigroup, he held analyst roles at a boutique investment research firm and completed internships at global banks; Alan holds FINRA Series 7 and 63 licenses and maintains an active registration with the SEC.

    Alan Chen's questions to LexinFintech Holdings (LX) leadership

    Alan Chen's questions to LexinFintech Holdings (LX) leadership • Q2 2025

    Question

    Alan Chen of Citigroup Inc. asked for the rationale behind the recently announced $50 million share repurchase program and inquired about any future plans to further enhance shareholder returns.

    Answer

    CEO Jay Wenjie Xiao stated that the repurchase program, along with his personal plan to purchase $10 million in shares, underscores management's confidence in the company's value, especially given a forward P/E ratio below four. He noted that these actions, combined with an increased dividend payout ratio, would raise total shareholder return above the industry average. Mr. Xiao affirmed that the company values shareholder returns and will continue to explore various means to deliver value.

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    Alan Chen's questions to ONECONNECT FINANCIAL TECHNOLOGY (OCFT) leadership

    Alan Chen's questions to ONECONNECT FINANCIAL TECHNOLOGY (OCFT) leadership • Q1 2024

    Question

    The analyst asked for details on the cloud business, including its growth, profitability, and how the termination of the business would impact the company's net loss reduction goal.

    Answer

    Management stated that the cloud business was relatively profitable and stable, accounting for about 30% of revenue. They assured that the change in this business will not affect other business expansions or the relationship with Ping An Group, and the company remains committed to its midterm profitability target. Further financial details will be disclosed later.

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