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**Summary:** The company is a leader in the core banking system sector, holding the highest market share among commercial bank clients for its core system services. Its winning bid rate in the online banking and loan platform sectors reaches 75% and 80%, respectively. The banking IT sector is projected to maintain an average annual growth rate of 22% over the next few years. **[Stock Selection Insights]** The following information is based on public data and key opinions from various brokerage reports. Stocks are carefully selected based on financial data and research intensity to provide insights into potential investment opportunities. **Main Article:** **XYZ Tech: Small-Cap Financial IT Stock Nears Profit Turning Point! Tencent is the Second Largest Shareholder. Gross Profit Margins to Exceed 50% Over the Next Two Years, Potential to Mirror Hundsun Technologies' Strong Performance** 1. **Valuation: Benchmarking against Hundsun Technologies and East Money** Based on the actual progress of projects like SilverLink, XYZ Tech's compound annual profit growth over the next three years is expected to be 148.92%. Benchmarking against sector leaders like Hundsun Technologies and East Money (300059), the target market capitalization for 2020 is set at ¥14.5 billion. Furthermore, considering the potential scaling of the SilverLink business, revenue from channel-sharing could reach ¥1 billion. 2. **Partnership with Tencent to Launch "SilverLink," Connecting Small Banks with Internet-Based C-end Resources** In April 2018, Tencent invested in XYZ Tech, becoming the second-largest shareholder. Together, they are driving cloud services in the fintech space. On April 22, 2018, the company announced a partnership agreement with Tencent Cloud to co-develop the "XYZ Financial Cloud" project. In addition, company shareholders, including Wang Changchun, signed an equity transfer agreement with Tencent Information, under which Tencent acquired 21.37 million shares (7.14% of the company’s total stock). With a projected penetration rate of 10% by 2020, SilverLink could contribute approximately ¥500 million in revenue. 3. **Profit Turning Point Expected in 2019** In 2018, the company's organic performance saw a year-over-year growth of 46%-74%. With a reduction in non-recurring expenses in 2019, the company is expected to reach a profit turning point. 4. **Regulatory Environment Stabilizing in Q4 2018, Potential for Increased Investment from Banks and Insurance Companies** The penetration of IT systems in the securities and fund sectors is already high. However, demand from banks and insurance companies for asset management systems is just beginning. Recently, over 20 domestic banks have announced the establishment of asset management subsidiaries. Conservative estimates suggest that the new IT system market could be worth at least ¥10 billion. 5. **Profit Forecast** The company's core business is expected to show strong growth, with stable gross profit margins across segments. Guosheng Securities forecasts the company's revenue for 2018-2020 to be ¥1.184 billion, ¥1.681 billion, and ¥2.374 billion, respectively. The corresponding net profits attributable to shareholders are ¥51 million, ¥195 million, and ¥316 million. The price-to-earnings ratio (PE) is estimated at 46x, with a "Buy" rating.