(QFIN) 360 Finance - Ratings and Ratios
Loan, Credit, Platform
QFIN EPS (Earnings per Share)
QFIN Revenue
Description: QFIN 360 Finance
Qifu Technology, Inc., operating under the Qifu Jietiao brand, leverages AI to power its credit-tech platform in China, providing services that connect borrowers with financial institutions, facilitating loan acquisition, credit assessment, and post-loan services. The companys platform serves financial institutions, consumers, and small to micro-enterprises, offering referral services and technology solutions.
From a business perspective, QFINs model is centered around its intelligence credit engine, which enables efficient matching of borrowers with financial institutions. Key performance indicators (KPIs) to watch include loan facilitation volume, customer acquisition costs, and the percentage of non-performing loans (NPLs). The companys ability to maintain a low NPL ratio while expanding its loan facilitation volume is crucial for its profitability and return on equity (RoE), which currently stands at 29.79%. Another important metric is the revenue growth rate, as it indicates the companys ability to scale its operations and expand its market share.
Given its consumer finance sub-industry classification, QFINs financial health can be further assessed by examining its net interest margin (NIM), operating expenses as a percentage of total revenue, and the efficiency of its AI-powered credit assessment tools in minimizing defaults. The companys P/E ratio of 6.15 and forward P/E of 3.27 suggest that it is undervalued relative to its expected future earnings growth, presenting a potential buying opportunity for investors.
From a technical analysis standpoint, without reiterating the provided technical data, its essential to monitor QFINs price action relative to its support and resistance levels. A break above the resistance levels, particularly at $44.3, could signal a bullish trend, while a drop below the support at $32.7 may indicate a bearish outlook. Investors should keep a close eye on the stocks moving averages and relative strength index (RSI) to gauge the momentum and potential trend reversals.
QFIN Stock Overview
| Market Cap in USD | 3,718m |
| Sub-Industry | Consumer Finance |
| IPO / Inception | 2018-12-14 |
QFIN Stock Ratings
| Growth Rating | 39.5% |
| Fundamental | 87.1% |
| Dividend Rating | 84.2% |
| Return 12m vs S&P 500 | -29.1% |
| Analyst Rating | 4.75 of 5 |
QFIN Dividends
| Dividend Yield 12m | 5.77% |
| Yield on Cost 5y | 14.75% |
| Annual Growth 5y | 61.53% |
| Payout Consistency | 96.1% |
| Payout Ratio | 2.9% |
QFIN Growth Ratios
| Growth Correlation 3m | -73.7% |
| Growth Correlation 12m | -13.5% |
| Growth Correlation 5y | 51.1% |
| CAGR 5y | 32.48% |
| CAGR/Max DD 3y (Calmar Ratio) | 0.71 |
| CAGR/Mean DD 3y (Pain Ratio) | 1.66 |
| Sharpe Ratio 12m | -1.95 |
| Alpha | -28.84 |
| Beta | 0.479 |
| Volatility | 48.83% |
| Current Volume | 1663.4k |
| Average Volume 20d | 1743.1k |
| Stop Loss | 23.7 (-6.3%) |
| Signal | -0.91 |
Piotroski VR‑10 (Strict, 0-10) 6.0
| Net Income (7.25b TTM) > 0 and > 6% of Revenue (6% = 1.03b TTM) |
| FCFTA 0.18 (>2.0%) and ΔFCFTA 2.09pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 78.23% (prev 148.8%; Δ -70.57pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.18 (>3.0%) and CFO 10.85b > Net Income 7.25b (YES >=105%, WARN >=100%) |
| Net Debt (1.03b) to EBITDA (8.98b) ratio: 0.11 <= 3.0 (WARN <= 3.5) |
| Current Ratio 10.22 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (68.0m) change vs 12m ago -56.08% (target <= -2.0% for YES) |
| Gross Margin 72.55% (prev 59.25%; Δ 13.31pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 32.30% (prev 35.09%; Δ -2.79pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio -3.51 (EBITDA TTM 8.98b / Interest Expense TTM -1.93b) >= 6 (WARN >= 3) |
Altman Z'' 4.18
| (A) 0.23 = (Total Current Assets 14.95b - Total Current Liabilities 1.46b) / Total Assets 59.75b |
| (B) 0.35 = Retained Earnings (Balance) 20.95b / Total Assets 59.75b |
| (C) 0.13 = EBIT TTM 6.76b / Avg Total Assets 53.37b |
| (D) 0.67 = Book Value of Equity 24.06b / Total Liabilities 35.65b |
| Total Rating: 4.18 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 87.12
| 1. Piotroski 6.0pt = 1.0 |
| 2. FCF Yield 47.31% = 5.0 |
| 3. FCF Margin 62.05% = 7.50 |
| 4. Debt/Equity 0.26 = 2.47 |
| 5. Debt/Ebitda 0.11 = 2.49 |
| 6. ROIC - WACC (= 13.28)% = 12.50 |
| 7. RoE 30.82% = 2.50 |
| 8. Rev. Trend 59.25% = 4.44 |
| 9. EPS Trend -15.53% = -0.78 |
What is the price of QFIN shares?
Over the past week, the price has changed by -9.35%, over one month by -12.31%, over three months by -37.21% and over the past year by -18.57%.
Is 360 Finance a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of QFIN is around 25.79 USD . This means that QFIN is currently overvalued and has a potential downside of 1.98%.
Is QFIN a buy, sell or hold?
- Strong Buy: 9
- Buy: 3
- Hold: 0
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the QFIN price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 49.2 | 94.3% |
| Analysts Target Price | 49.2 | 94.3% |
| ValueRay Target Price | 28.2 | 11.6% |
Last update: 2025-10-13 02:03
QFIN Fundamental Data Overview
P/E Trailing = 3.8244
P/E Forward = 3.2712
P/S = 0.1982
P/B = 1.202
Beta = 0.479
Revenue TTM = 17.24b CNY
EBIT TTM = 6.76b CNY
EBITDA TTM = 8.98b CNY
Long Term Debt = 4.86b CNY (from longTermDebt, last quarter)
Short Term Debt = 1.46b CNY (from shortTermDebt, last quarter)
Debt = 6.32b CNY (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.03b CNY (from netDebt column, last quarter)
Enterprise Value = 22.61b CNY (26.49b + Debt 6.32b - CCE 10.19b)
Interest Coverage Ratio = -3.51 (Ebit TTM 6.76b / Interest Expense TTM -1.93b)
FCF Yield = 47.31% (FCF TTM 10.70b / Enterprise Value 22.61b)
FCF Margin = 62.05% (FCF TTM 10.70b / Revenue TTM 17.24b)
Net Margin = 42.07% (Net Income TTM 7.25b / Revenue TTM 17.24b)
Gross Margin = 72.55% ((Revenue TTM 17.24b - Cost of Revenue TTM 4.73b) / Revenue TTM)
Gross Margin QoQ = 78.74% (prev 78.03%)
Tobins Q-Ratio = 0.38 (Enterprise Value 22.61b / Total Assets 59.75b)
Interest Expense / Debt = 1.22% (Interest Expense 77.2m / Debt 6.32b)
Taxrate = 20.33% (441.5m / 2.17b)
NOPAT = 5.38b (EBIT 6.76b * (1 - 20.33%))
Current Ratio = 10.22 (Total Current Assets 14.95b / Total Current Liabilities 1.46b)
Debt / Equity = 0.26 (Debt 6.32b / totalStockholderEquity, last quarter 24.06b)
Debt / EBITDA = 0.11 (Net Debt 1.03b / EBITDA 8.98b)
Debt / FCF = 0.10 (Net Debt 1.03b / FCF TTM 10.70b)
Total Stockholder Equity = 23.54b (last 4 quarters mean from totalStockholderEquity)
RoA = 12.14% (Net Income 7.25b / Total Assets 59.75b)
RoE = 30.82% (Net Income TTM 7.25b / Total Stockholder Equity 23.54b)
RoCE = 23.79% (EBIT 6.76b / Capital Employed (Equity 23.54b + L.T.Debt 4.86b))
RoIC = 19.75% (NOPAT 5.38b / Invested Capital 27.25b)
WACC = 6.47% (E(26.49b)/V(32.81b) * Re(7.78%) + D(6.32b)/V(32.81b) * Rd(1.22%) * (1-Tc(0.20)))
Discount Rate = 7.78% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -100.0 | Cagr: -35.16%
[DCF Debug] Terminal Value 79.72% ; FCFE base≈9.39b ; Y1≈10.41b ; Y5≈13.59b
Fair Price DCF = 1783 (DCF Value 236.06b / Shares Outstanding 132.4m; 5y FCF grow 12.55% → 3.0% )
EPS Correlation: -15.53 | EPS CAGR: -54.49% | SUE: -3.24 | # QB: 0
Revenue Correlation: 59.25 | Revenue CAGR: 1.60% | SUE: -0.08 | # QB: 0
Additional Sources for QFIN Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle