摩根士丹利发表研究报告指，虽然百融云上半年业绩表现强劲，但短期收入或面临政策及零售信贷等不确定性，公司对AI的投资承诺可能在短期内为盈利能力带来压力，长远则有助提升竞争力。大摩预期，今年下半年百融云面对数个短期挑战，包括政策聚焦反诈骗导致电话线带宽减少，对AI语音GPT需求暂受影响、营销及分析即服务需求受到消费者贷款利率上限加强执法影响，以及费率下调与高收益保险产品逐步退出的持续影响。 大摩将百融云今明两年每股盈利预测从0.84及0.97元，下调各至0.58及0.63元，评级降至“与大市同步”，目标价从13港元降至11.5港元。
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