QFIN Stock Analysis: Qfin Holdings | NASDAQ
Credit Services | NASDAQ, USA | Market Cap: 653m USD | 12M Return: -75.2% | US88557W1018 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 10.2M
EPS Trend: 42.9%
Qual. Beats: 0
Rev. Trend: 69.1%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 7.9 years of data, until 10/2026
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, ≥40 worth a closer look and ≥60 is strong.
Qfin Holdings, Inc. operates an AI-driven credit technology platform under the Qifu Jietiao brand in the Peoples Republic of China. The company offers two main service lines: credit-driven services that connect borrowers with financial institutions across the full lending lifecycle (borrower acquisition, credit assessment, fund matching, and post-facilitation services), and platform services delivered under a capital-light model that includes loan facilitation, an intelligence credit engine, referral services, and other technology solutions. Its customers include financial institutions, individual consumers, and small and micro-enterprises.
The company was founded in 2016 and is headquartered in Shanghai. It was previously named Qifu Technology, Inc. before adopting its current name in July 2025. As a GICS-classified Consumer Finance company operating a fintech platform, Qfin functions as a credit intermediary rather than a direct lender, leveraging AI and machine learning for underwriting while partner institutions typically fund the loans.
- Capital-light platform services revenue accelerates margin expansion
- China consumer credit demand softens amid persistent economic headwinds
- Fintech regulation tightens interest rate caps pressuring loan pricing
| Net Income: 3.74b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.16 > 0.02 and ΔFCF/TA -1.71 > 1.0 |
| NWC/Revenue: -57.75% < 20% (prev 78.23%; Δ -136.0% < -1%) |
| CFO/TA 0.17 > 3% & CFO 8.76b > Net Income 3.74b |
| Net Debt (-7.42b) to EBITDA (5.17b): -1.44 < 3 |
| Current Ratio: 0.56 > 1.5 & < 3 |
| Outstanding Shares: last quarter (142.6m) vs 12m ago -11.67% < -2% |
| Gross Margin: 60.77% > 18% (prev 72.55%; Δ -11.79% > 0.5%) |
| Asset Turnover: 28.50% > 50% (prev 28.85%; Δ -0.36% > 0%) |
| Interest Coverage Ratio: error (cannot be calculated; needs correct EBIT TTM and Interest Expense TTM) |
| A: -0.17 (Total Current Assets 11.9b - Total Current Liabilities 21.2b) / Total Assets 53.1b |
| B: 0.46 (Retained Earnings 24.5b / Total Assets 53.1b) |
| C: 0.09 (EBIT TTM 5.10b / Avg Total Assets 56.4b) |
| D: 0.87 (Book Value of Equity 24.8b / Total Liabilities 28.3b) |
| Altman-Z'' = 1.88 = BBB |
| DSRI: 0.11 (Receivables 482.9m/4.54b, Revenue 16.1b/17.2b) |
| GMI: 1.19 (GM 72.55% / 60.77%) |
| AQI: 1.03 (AQ_t 0.76 / AQ_t-1 0.74) |
| SGI: 0.93 (Revenue 16.1b / 17.2b) |
| TATA: -0.09 (NI 3.74b - CFO 8.76b) / TA 53.1b) |
| Beneish M = -3.62 (Cap -4..+1) = AAA |
As of November 14, 2026, the stock is trading at USD 5.15 with a total of 3,294,135 shares traded. Over the past week, the price has changed by -5.68%, over one month by -13.01%, over three months by -56.78% and over the past year by -75.23%.
Current recommended Stop Loss: 4.70 (which is 8.7% or 1.5 ATR below the current price).
Qfin Holdings has received a consensus analysts rating of 3.75. Therefore, it is recommended to hold QFIN.
- StrongBuy: 5
- Buy: 2
- Hold: 3
- Sell: 1
- StrongSell: 1
| Analysts Target Price | 14.6 | 183.1% |
Market Cap CNY = 4.36b (652.9m USD * 6.6707 USD.CNY)
P/E Trailing = 1.2847
P/E Forward = 3.2712
P/S = 0.0389
P/B = 0.184
Revenue TTM = 16.1b CNY
EBIT TTM = 5.10b CNY
EBITDA TTM = 5.17b CNY
Long Term Debt = 760.8m CNY (from longTermDebt, last quarter)
Short Term Debt = 2.18b CNY (from shortTermDebt, last quarter)
Debt = 2.96b CNY (from shortLongTermDebtTotal, last quarter) + Leases 18.4m
Net Debt = -7.42b CNY (calculated: Debt 2.96b - CCE 10.4b)
Enterprise Value = 4.36b CNY (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = unknown (Ebit TTM 5.10b / Interest Expense TTM 0.0)
EV/FCF = 0.51x (Enterprise Value 4.36b / FCF TTM 8.60b)
FCF Yield = 197.4% (FCF TTM 8.60b / Enterprise Value 4.36b)
FCF Margin = 53.47% (FCF TTM 8.60b / Revenue TTM 16.1b)
Net Margin = 23.26% (Net Income TTM 3.74b / Revenue TTM 16.1b)
Gross Margin = 60.77% ((Revenue TTM 16.1b - Cost of Revenue TTM 6.31b) / Revenue TTM)
Gross Margin QoQ = 77.43% (prev 44.04%)
Tobins Q-Ratio = 0.08 (Enterprise Value 4.36b / Total Assets 53.1b)
Interest Expense / Debt = 0.0% (Interest Expense 0.0 / Debt 2.96b)
Taxrate = 28.49% (1.49b / 5.21b)
NOPAT = 3.65b (EBIT 5.10b * (1 - 28.49%))
Current Ratio = 0.56 (Total Current Assets 11.9b / Total Current Liabilities 21.2b)
Debt / Equity = 0.12 (Debt 2.96b / totalStockholderEquity, last quarter 24.8b)
Debt / EBITDA = -1.44 (Net Debt -7.42b / EBITDA 5.17b)
Debt / FCF = -0.86 (Net Debt -7.42b / FCF TTM 8.60b)
Total Stockholder Equity = 24.3b (last 4 quarters mean from totalStockholderEquity)
RoA = 6.63% (Net Income 3.74b / Total Assets 53.1b)
RoE = 15.36% (Net Income TTM 3.74b / Total Stockholder Equity 24.3b)
RoCE = 20.30% (EBIT 5.10b / Capital Employed (Equity 24.3b + L.T.Debt 760.8m))
RoIC = 6.97% (NOPAT 3.65b / Invested Capital 52.3b)
WACC = 5.70% (E(4.36b)/V(7.32b) * Re(9.58%) + D(2.96b)/V(7.32b) * Rd(0.0%) * (1-Tc(0.28)))
Discount Rate = 9.58% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -61.00 | Cagr: -4.84%
[DCF] Terminal Value 73.10% ; FCFF base≈9.44b ; Y1≈8.28b ; Y5≈6.69b
[DCF] Fair Price = 943.8 (EV 107b - Net Debt -7.42b = Equity 115b / Shares 121.6m; r=8.35% [WACC [floored]]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: 42.86 | EPS CAGR: 8.93% | SUE: -0.21 | # QB: 0
Revenue Correlation: 69.07 | Revenue CAGR: 6.43% | SUE: -0.09 | # QB: 0
EPS current Quarter (2026-09-30): EPS=3.41 | Chg30d=-52.11% | Revisions=-25% | Analysts=1
EPS current Year (2026-12-31): EPS=17.37 | Chg30d=-11.92% | Revisions=-57% | GrowthEPS=-62.9% | GrowthRev=-31.7%
EPS next Year (2027-12-31): EPS=19.27 | Chg30d=-6.25% | Revisions=-57% | GrowthEPS=+10.9% | GrowthRev=-13.1%
[Analyst] Revisions Ratio: -75% (up=0, down=9)