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What's going on

The -86.8% drop happened in 2007-2009 (financial crisis), not recently — the stock is actually near its 30-day high today. The real recent story is the UK motor-finance commission mis-selling scandal, where Lloyds has now provisioned £1.95bn, which the FCA's final scheme has now made a known, bounded cost rather than an open-ended risk.

The case for it

Lloyds just posted a strong Q1 2026 beat with pre-tax profit rising 33% year-on-year to £2.0bn, comfortably ahead of the £1.8bn consensus, and management raised full-year net interest income guidance. The motor-finance liability that hammered sentiment for two years is now capped: Lloyds Bank said it would stick with its 1.95bn compensation provision to pay customers who were miss-sold motor finance after assessing the regulator's final ruling, removing the open-ended-liability fear that made the stock look cheap. Analysts are modestly positive with a buy percentage consensus at 77, and the stock still trades at only a forward price-to-earnings multiple of 11.2 times despite the earnings beat and rising dividend.

What could go wrong

The motor-finance provision could still prove insufficient if claim volumes or per-case payouts run above the FCA's estimates, and a softening UK economy (unemployment forecast to peak near 5.3%) could hit loan losses; also note the price target upside is now small (targets already close to today's price) so most of the recovery may already be priced in.

What's going on

The stock's collapse from its 2021 peak was caused by China's "double reduction" policy that banned for-profit academic tutoring for kids, which gutted EDU's core business overnight; that is old news, not what is happening today — the stock is actually sitting at its 30-day high right now, not crashing.

The case for it

New Oriental pivoted away from banned academic tutoring into non-academic tutoring, study-abroad services, and adult education, and the pivot is working: revenue grew nearly 20% and earnings beat estimates last quarter with margins expanding. It has a fortress balance sheet ($4.8B cash vs $807M debt) and trades cheap (forward P/E under 12, PEG 0.85) while growing earnings 60%. Analysts see over 40% upside from here, and the recent price action shows strength (at 30-day highs), not panic.</thesis> <parameter name="risks">Profitability is still the weakest score (10/25) — margins are thinner than pre-crackdown, and the business remains exposed to unpredictable Chinese government policy on education, plus China-based accounting/regulatory disclosure has historically been a risk area for US-listed Chinese firms; earnings on 2026-07-29 could disappoint after such a strong run.

What could go wrong

What's going on

DHT ships crude oil on giant tankers (VLCCs); its all-time high was set at the 2007 shipping/commodity bubble peak, so being 91.5% below that is ancient history, not a recent crash. The only real recent move is a mild 7.6% pullback from a 30-day high, while the company just posted blowout results.

The case for it

Tanker rates have surged (Q1 2026 spot VLCC rates around $92K/day, Q2 bookings even higher at ~$168K/day), driving net income up sharply and funding a big dividend (100% of ordinary net income paid out, 65 consecutive quarters). The stock trades cheap on trailing earnings (P/E under 9) and analysts' price targets sit well above the current price, with some seeing fair value near $36 versus ~$19 today.

What could go wrong

This is a highly cyclical, commodity-shipping business: today's huge earnings depend entirely on elevated spot tanker rates and geopolitical disruptions (e.g., Iran/Strait of Hormuz tension) that could reverse quickly, and free cash flow is currently negative due to heavy newbuild spending — if rates normalize, both the dividend and the "cheap" P/E could evaporate fast.