On August 2, 2026, a unique sight appeared on the AI concept stock market: multiple listed companies successively announced shareholder increase announcements, with controlling shareholders and major shareholders expressing confidence in their own stocks with real money. From AI chips to fintech, from intelligent risk control to encrypted AI lending, the wave of increases swept across, attracting widespread market attention. Today, let's break down the deep logic behind this round of increase signals.
Increase Announcements Flood the Market: Covering Multiple Heavyweight AI Stocks
According to incomplete statistics, at least 4 AI-related listed companies disclosed shareholder increase plans or progress on August 2 alone, involving a total amount exceeding 1.5 billion yuan. Among them, the domestic AI chip design company "Tiangong Intelligence" announced that its controlling shareholder plans to increase its stake in the company within the next 6 months, with a cumulative increase of no less than 300 million yuan; "Xin'an Technology", which focuses on AI risk control and anti-fraud, announced that its controlling shareholder has recently increased its stake by about 1.2% through centralized trading and plans to continue increasing.
Notably, this round of increases is not limited to traditional AI computing power or large model tracks, but is clearly tilting toward AI applications and fintech. For example, the parent company "Shujinyun" of the encrypted AI lending platform "HashLoan" announced that its chief technology officer increased the company's stock with personal funds, demonstrating recognition of the growth prospects of AI-driven lending business. In addition, a listed company that provides intelligent credit solutions to banks also received major shareholder increases, with an increase ratio of 0.8%.
The Triple Logic Behind the Wave of Increases
Valuation Returns to a Reasonable Range: Historical Bottom Provides Safety Margin
Looking back at the trend of AI concept stocks in the past year, the sector as a whole has experienced a "roller coaster" ride. In 2025, driven by the explosion of large models, related individual stocks had an average increase of more than 80%, with a large amount of bubbles being blown up. Subsequently, under the pressure of liquidity tightening and performance fulfillment, the AI sector experienced a deep correction. As of the end of July 2026, the dynamic P/E ratio of the CSI AI Theme Index has fallen to around 35 times, which is in the bottom area of valuation in the past three years.
"Controlling shareholders and major shareholders know the company's actual operating conditions best. Their increases often occur when the stock price is significantly undervalued," said a researcher at a private equity fund to "Crypto AI Loan". The timing of this wave of increases coincides with the imminent intensive disclosure of mid-year data, and company executives use their actions to preview the "report card", often releasing positive signals of better-than-expected performance.
AI Financial Applications Enter the Stage of Commercial Implementation
Different from the early days of simply炒作 "large models", the core competitiveness of current AI companies is beginning to shift to actual revenue and profit growth. Especially in the financial field, AI risk control, intelligent credit, anti-fraud and other scenarios are no longer "pie in the sky", but are tangible contracts and cash flows.
Take "Xin'an Technology", which just received increases, as an example. The company uses deep learning models to provide real-time credit assessment for banks and DeFi protocols. Its new contract amount in the second quarter increased by 140% year-on-year, and the default rate was 30% lower than traditional models. Similarly, the encrypted AI lending platform "HashLoan" maintains a default rate below 2% in volatile markets through an AI-driven liquidation engine and risk pricing system, which has attracted major shareholder increases. The combination of AI and finance is moving from "storytelling" to "looking at financial statements", which provides solid fundamental support for the increases.
Industry Policy Winds Blow Frequently, Institutional Positioning Direction is Clear
In late July, the central bank and other regulatory authorities jointly issued the "Specifications for AI Applications in the Financial Field", for the first time clarifying the compliance boundaries of AI in credit approval, risk pricing, anti-money laundering and other links at the national level. This was interpreted by the market as the government "giving legitimacy" to AI finance, and technology giants such as ByteDance and Ant Group have also increased their investment in intelligent risk control.
Institutional funds have also smelled the opportunity at the same time. According to EPFR data, in the last week of July, global AI-themed funds had a net inflow of over 1.2 billion US dollars, of which about 40% of the funds flowed to the financial AI sub-sector. The combination of shareholder increases and institutional positions has made the chip structure of AI concept stocks more stable, and medium to long-term upward momentum is accumulating.
Focus on AI Lending Concept: The "Hidden King" in the Wave of Increases
In the overall wave of increases, a sub-sector that investors should pay close attention to is "AI lending concept stocks". These companies use machine learning, natural language processing and on-chain data analysis to provide intelligent solutions for traditional banks, consumer finance companies and decentralized lending protocols.
Statistics show that the total market value of A-share AI-related listed companies accounts for about 8% of the entire AI sector, but the overall net profit growth in the first half of 2026 reached 55%, far exceeding the average of 22% for the AI sector. Among them, "Shujinyun", which focuses on encrypted AI lending, not only received increases from its CTO, but was also recently selected as a Web3 financial sample stock by a leading index company.
- Stock Selection Logic 1: Look at the actual risk control effect of the AI model. Focus on whether companies can reduce indicators such as default rates and overdue rates below the industry average, rather than just promoting how many GPUs they use.
- Stock Selection Logic 2: Look at customer structure. Orders from top banks and compliant exchanges often mean more stable cash flows, and are also an important standard for AI lending companies to cross the startup period.
- Stock Selection Logic 3: Look at regulatory compliance margins. Enterprises that hold licenses, access regulatory sandboxes or obtain certification are more likely to win in the industry reshuffle in the second half of the year.
Rational View of Increases: Not a "Panacea", but Indeed a Barometer
It should be reminded that shareholder increases do not mean that the stock price will rise immediately. In history, some companies have "high absorption and low throwing" using increases for market value management, and even配合减持套现. Investors should focus on analyzing the amount of increase, lock-up period, and whether it is real money bought from the secondary market.
From the current environment, after a deep correction, the valuation bubble of AI concept stocks has been mostly squeezed, coupled with the "endorsement" effect of shareholder increases, the mid-year report performance is expected to exceed expectations. However, for individual stocks, it is still necessary to be alert to risks such as failure to meet performance expectations, intensified industry competition, and loss of key talent.
Conclusion: The Second Half of the AI Revolution, Looking at Applications and Profitability
This wave of increases is a vivid footnote of the AI industry's transition from "technology carnival" to "commercial implementation". When controlling shareholders are willing to spend real money, it shows that they see the certainty beyond the financial statements. For investors, instead of chasing daily limit-up short-term hotspots, it is better to calm down and follow the patient capital of major shareholders, and add positions to those "practitioners" who truly convert AI into cash flow.
In the future, we will continue to track the capital flow and institutional holdings changes of AI concept stocks. Welcome to follow "Crypto AI Lending" to get exclusive research in a timely manner. The market has risks, and investment requires caution.
