In reality, neither path fixes the structural issue: Lemonade’s cost base is built like a tech start-up, but their margins behave like a traditional insurer. The math doesn't work. You can grow ...
Qfin Holdings (QFIN) is rated a Buy, offering an asymmetric risk/reward. Trading at ~2.3x earnings with a $1.5B cash pile (effectively trading near cash value) and a 73% payout ratio.
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