(QFIN) 360 Finance - Overview
Exchange: NASDAQ •
Country: China •
Currency: USD •
Type: Common Stock •
ISIN: US88557W1018
Stock: Credit Platform, Loan Facilitation, Financial Technology, AI Services
Total Rating 29
Risk 87
Buy Signal -0.80
| Risk 5d forecast | |
|---|---|
| Volatility | 49.3% |
| Relative Tail Risk | -11.9% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -1.75 |
| Alpha | -84.85 |
| Character TTM | |
|---|---|
| Beta | 1.290 |
| Beta Downside | 2.423 |
| Drawdowns 3y | |
|---|---|
| Max DD | 68.36% |
| CAGR/Max DD | -0.02 |
EPS (Earnings per Share)
Revenue
Description: QFIN 360 Finance March 04, 2026
360 Finance Inc. (QFIN) operates an AI-driven credit-tech platform in China under the Qifu Jietiao brand. The company facilitates loans by connecting borrowers with financial institutions, offering services such as credit assessment and fund matching. This business model is common among fintech platforms in the consumer finance sector.
QFIN provides both credit-driven and platform services to financial institutions, consumers, and small and micro-enterprises. These services include loan facilitation, post-facilitation support, and technology solutions. The company was founded in 2016 and is headquartered in Shanghai.
To deepen your understanding of QFINs market position and financial health, further research on platforms like ValueRay is recommended.
Headlines to watch out for
- Chinese regulatory changes impact online lending platforms
- Loan facilitation volume drives revenue growth
- Credit performance of borrowers affects profitability
- Competition from other fintech platforms intensifies
- Macroeconomic conditions in China influence loan demand
Piotroski VR‑10 (Strict, 0-10) 6.0
| Net Income: 6.89b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.18 > 0.02 and ΔFCF/TA -0.59 > 1.0 |
| NWC/Revenue: 202.6% < 20% (prev 245.0%; Δ -42.43% < -1%) |
| CFO/TA 0.18 > 3% & CFO 10.98b > Net Income 6.89b |
| Net Debt (-197.2m) to EBITDA (9.10b): -0.02 < 3 |
| Current Ratio: 2.94 > 1.5 & < 3 |
| Outstanding Shares: last quarter (133.0m) vs 12m ago -10.17% < -2% |
| Gross Margin: 71.46% > 18% (prev 0.59%; Δ 7087 % > 0.5%) |
| Asset Turnover: 33.34% > 50% (prev 35.28%; Δ -1.94% > 0%) |
| Interest Coverage Ratio: -5.47 > 6 (EBITDA TTM 9.10b / Interest Expense TTM -1.26b) |
Altman Z'' 6.56
| A: 0.60 (Total Current Assets 55.55b - Total Current Liabilities 18.92b) / Total Assets 61.45b |
| B: 0.34 (Retained Earnings 20.95b / Total Assets 61.45b) |
| C: 0.13 (EBIT TTM 6.90b / Avg Total Assets 54.22b) |
| D: 0.65 (Book Value of Equity 24.26b / Total Liabilities 37.15b) |
| Altman-Z'' Score: 6.56 = AAA |
Beneish M -3.79
| DSRI: 0.40 (Receivables 2.00b/4.61b, Revenue 18.08b/16.58b) |
| GMI: 0.83 (GM 71.46% / 59.46%) |
| AQI: 0.81 (AQ_t 0.09 / AQ_t-1 0.11) |
| SGI: 1.09 (Revenue 18.08b / 16.58b) |
| TATA: -0.07 (NI 6.89b - CFO 10.98b) / TA 61.45b) |
| Beneish M-Score: -3.79 (Cap -4..+1) = AAA |
What is the price of QFIN shares?
As of March 09, 2026, the stock is trading at USD 14.72 with a total of 1,078,486 shares traded.
Over the past week, the price has changed by -4.35%, over one month by -9.91%, over three months by -23.69% and over the past year by -59.91%.
Over the past week, the price has changed by -4.35%, over one month by -9.91%, over three months by -23.69% and over the past year by -59.91%.
Is QFIN a buy, sell or hold?
360 Finance has received a consensus analysts rating of 4.75.
Therefore, it is recommended to buy QFIN.
- StrongBuy: 9
- Buy: 3
- Hold: 0
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the QFIN price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 30 | 103.8% |
| Analysts Target Price | 30 | 103.8% |
QFIN Fundamental Data Overview March 09, 2026
Market Cap CNY = 14.01b (2.03b USD * 6.8915 USD.CNY)
P/E Trailing = 2.0674
P/E Forward = 3.2712
P/S = 0.1037
P/B = 0.5453
Revenue TTM = 18.08b CNY
EBIT TTM = 6.90b CNY
EBITDA TTM = 9.10b CNY
Long Term Debt = 4.83b CNY (from longTermDebt, last quarter)
Short Term Debt = 1.49b CNY (from shortTermDebt, last quarter)
Debt = 6.33b CNY (from shortLongTermDebtTotal, last quarter)
Net Debt = -197.2m CNY (from netDebt column, last quarter)
Enterprise Value = 9.41b CNY (14.01b + Debt 6.33b - CCE 10.92b)
Interest Coverage Ratio = -5.47 (Ebit TTM 6.90b / Interest Expense TTM -1.26b)
EV/FCF = 0.87x (Enterprise Value 9.41b / FCF TTM 10.83b)
FCF Yield = 115.0% (FCF TTM 10.83b / Enterprise Value 9.41b)
FCF Margin = 59.90% (FCF TTM 10.83b / Revenue TTM 18.08b)
Net Margin = 38.10% (Net Income TTM 6.89b / Revenue TTM 18.08b)
Gross Margin = 71.46% ((Revenue TTM 18.08b - Cost of Revenue TTM 5.16b) / Revenue TTM)
Gross Margin QoQ = 64.98% (prev 78.74%)
Tobins Q-Ratio = 0.15 (Enterprise Value 9.41b / Total Assets 61.45b)
Interest Expense / Debt = 1.22% (Interest Expense 77.2m / Debt 6.33b)
Taxrate = 21.78% (398.8m / 1.83b)
NOPAT = 5.39b (EBIT 6.90b * (1 - 21.78%))
Current Ratio = 2.94 (Total Current Assets 55.55b / Total Current Liabilities 18.92b)
Debt / Equity = 0.26 (Debt 6.33b / totalStockholderEquity, last quarter 24.26b)
Debt / EBITDA = -0.02 (Net Debt -197.2m / EBITDA 9.10b)
Debt / FCF = -0.02 (Net Debt -197.2m / FCF TTM 10.83b)
Total Stockholder Equity = 23.89b (last 4 quarters mean from totalStockholderEquity)
RoA = 12.70% (Net Income 6.89b / Total Assets 61.45b)
RoE = 28.82% (Net Income TTM 6.89b / Total Stockholder Equity 23.89b)
RoCE = 24.00% (EBIT 6.90b / Capital Employed (Equity 23.89b + L.T.Debt 4.83b))
RoIC = 18.64% (NOPAT 5.39b / Invested Capital 28.93b)
WACC = 7.65% (E(14.01b)/V(20.34b) * Re(10.67%) + D(6.33b)/V(20.34b) * Rd(1.22%) * (1-Tc(0.22)))
Discount Rate = 10.67% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -9.28%
[DCF] Terminal Value 81.21% ; FCFF base≈9.92b ; Y1≈11.39b ; Y5≈15.90b
[DCF] Fair Price = 2256 (EV 293.56b - Net Debt -197.2m = Equity 293.75b / Shares 130.2m; r=7.65% [WACC]; 5y FCF grow 17.36% → 2.90% )
EPS Correlation: -9.56 | EPS CAGR: -47.73% | SUE: -2.22 | # QB: 0
Revenue Correlation: 72.83 | Revenue CAGR: 8.75% | SUE: 0.05 | # QB: 0
EPS next Year (2026-12-31): EPS=38.97 | Chg7d=-2.242 | Chg30d=-2.242 | Revisions Net=-1 | Growth EPS=-17.3% | Growth Revenue=-12.9%
P/E Trailing = 2.0674
P/E Forward = 3.2712
P/S = 0.1037
P/B = 0.5453
Revenue TTM = 18.08b CNY
EBIT TTM = 6.90b CNY
EBITDA TTM = 9.10b CNY
Long Term Debt = 4.83b CNY (from longTermDebt, last quarter)
Short Term Debt = 1.49b CNY (from shortTermDebt, last quarter)
Debt = 6.33b CNY (from shortLongTermDebtTotal, last quarter)
Net Debt = -197.2m CNY (from netDebt column, last quarter)
Enterprise Value = 9.41b CNY (14.01b + Debt 6.33b - CCE 10.92b)
Interest Coverage Ratio = -5.47 (Ebit TTM 6.90b / Interest Expense TTM -1.26b)
EV/FCF = 0.87x (Enterprise Value 9.41b / FCF TTM 10.83b)
FCF Yield = 115.0% (FCF TTM 10.83b / Enterprise Value 9.41b)
FCF Margin = 59.90% (FCF TTM 10.83b / Revenue TTM 18.08b)
Net Margin = 38.10% (Net Income TTM 6.89b / Revenue TTM 18.08b)
Gross Margin = 71.46% ((Revenue TTM 18.08b - Cost of Revenue TTM 5.16b) / Revenue TTM)
Gross Margin QoQ = 64.98% (prev 78.74%)
Tobins Q-Ratio = 0.15 (Enterprise Value 9.41b / Total Assets 61.45b)
Interest Expense / Debt = 1.22% (Interest Expense 77.2m / Debt 6.33b)
Taxrate = 21.78% (398.8m / 1.83b)
NOPAT = 5.39b (EBIT 6.90b * (1 - 21.78%))
Current Ratio = 2.94 (Total Current Assets 55.55b / Total Current Liabilities 18.92b)
Debt / Equity = 0.26 (Debt 6.33b / totalStockholderEquity, last quarter 24.26b)
Debt / EBITDA = -0.02 (Net Debt -197.2m / EBITDA 9.10b)
Debt / FCF = -0.02 (Net Debt -197.2m / FCF TTM 10.83b)
Total Stockholder Equity = 23.89b (last 4 quarters mean from totalStockholderEquity)
RoA = 12.70% (Net Income 6.89b / Total Assets 61.45b)
RoE = 28.82% (Net Income TTM 6.89b / Total Stockholder Equity 23.89b)
RoCE = 24.00% (EBIT 6.90b / Capital Employed (Equity 23.89b + L.T.Debt 4.83b))
RoIC = 18.64% (NOPAT 5.39b / Invested Capital 28.93b)
WACC = 7.65% (E(14.01b)/V(20.34b) * Re(10.67%) + D(6.33b)/V(20.34b) * Rd(1.22%) * (1-Tc(0.22)))
Discount Rate = 10.67% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -9.28%
[DCF] Terminal Value 81.21% ; FCFF base≈9.92b ; Y1≈11.39b ; Y5≈15.90b
[DCF] Fair Price = 2256 (EV 293.56b - Net Debt -197.2m = Equity 293.75b / Shares 130.2m; r=7.65% [WACC]; 5y FCF grow 17.36% → 2.90% )
EPS Correlation: -9.56 | EPS CAGR: -47.73% | SUE: -2.22 | # QB: 0
Revenue Correlation: 72.83 | Revenue CAGR: 8.75% | SUE: 0.05 | # QB: 0
EPS next Year (2026-12-31): EPS=38.97 | Chg7d=-2.242 | Chg30d=-2.242 | Revisions Net=-1 | Growth EPS=-17.3% | Growth Revenue=-12.9%