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360 Finance, Inc. (QFIN) has just announced its Q2 results. The financial performance delivered by the company in Q2 is one the best since its IPO. The operating efficiency and profitability were largely improved, thanks to the technology-driven business strategy. Going forward, we believe QFIN will continue to improve its margin, making the stock a good bargain at current valuation. The acquisition of a commercial bank's major shares will boost its long-term growth as well. We believe QFIN is a strong buy at this point.