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    Lincoln Yu

    Vice President and Equity Research Analyst at JPMorgan Chase & Co.

    Lincoln Yu is a Vice President and Equity Research Analyst at JPMorgan Chase & Co., specializing in the coverage of consumer and retail companies such as Walmart, Target, Costco, and Kroger. Known for his rigorous analysis and data-driven insights, he has maintained an impressive success rate of about 72% on his stock recommendations and has ranked among the top 200 Wall Street analysts on TipRanks for his accuracy and returns, generating an average annualized return of 13% for investors. Lincoln began his career at Houlihan Lokey as an investment banking analyst before joining JPMorgan in 2017, steadily advancing to his current leadership position in the securities research division. He holds FINRA Series 7, 63, and 86/87 licenses and has earned recognition for his published research and industry contributions.

    Lincoln Yu's questions to Qfin Holdings (QFIN) leadership

    Lincoln Yu's questions to Qfin Holdings (QFIN) leadership • Q2 2025

    Question

    Lincoln Yu from JPMorgan Chase & Co. asked about the estimated impact of new regulations on the ICE business, the future competitive landscape, and the company's overseas expansion strategy, particularly in the UK.

    Answer

    CEO Haisheng Wu explained that the new regulations are seen as a long-term positive for the industry. He stated the ICE business is a referral service and the company has prepared alternative plans, including serving users on-balance sheet, expecting take rates to remain healthy. Regarding overseas expansion, he outlined criteria like regulatory environment and financial infrastructure, noting the UK operation is a 'baby step' focused on learning and model refinement.

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