(QFIN) 360 Finance - Overview

Sector: Financial Services | Industry: Credit Services | Exchange: NASDAQ (USA) | Market Cap: 1.710m USD | Total Return: -62.3% in 12m

Credit Platform, Loan Facilitation, Financial Technology, AI Services
Total Rating 31
Safety 66
Buy Signal -0.97
Credit Services
Industry Rotation: +1.0
Market Cap: 1.71B
Avg Turnover: 16.6M USD
ATR: 4.71%
Peers RS (IBD): 5.0
Risk 5d forecast
Volatility47.5%
Rel. Tail Risk-13.0%
Reward TTM
Sharpe Ratio-2.31
Alpha-92.61
Character TTM
Beta1.361
Beta Downside2.259
Drawdowns 3y
Max DD73.12%
CAGR/Max DD-0.11
EPS (Earnings per Share) EPS (Earnings per Share) of QFIN over the last years for every Quarter: "2021-03": 8.81, "2021-06": 10.03, "2021-09": 10.17, "2021-12": 8.58, "2022-03": 7.68, "2022-06": 6.42, "2022-09": 6.48, "2022-12": 5.7, "2023-03": 5.92, "2023-06": 6.95, "2023-09": 7.2, "2023-12": 7.15, "2024-03": 7.58, "2024-06": 9.16, "2024-09": 12.18, "2024-12": 13.66, "2025-03": 12.62, "2025-06": 12.76, "2025-09": 10.8, "2025-12": 7.82, "2026-03": 0,
EPS CAGR: -45.42%
EPS Trend: -11.9%
Last SUE: -1.91
Qual. Beats: 0
Revenue Revenue of QFIN over the last years for every Quarter: 2021-03: 3089.881, 2021-06: 3460.489, 2021-09: 3930.826, 2021-12: 3801.375, 2022-03: 3572.352, 2022-06: 3544.478, 2022-09: 3286.462, 2022-12: 3263.559, 2023-03: 2826.141, 2023-06: 3285.921, 2023-09: 4281.026, 2023-12: 3891.956, 2024-03: 4153.183, 2024-06: 4160.063, 2024-09: 4370.158, 2024-12: 4482.252, 2025-03: 4059.182, 2025-06: 4328.564, 2025-09: 5205.74, 2025-12: 4036.238888, 2026-03: null,
Rev. CAGR: 3.31%
Rev. Trend: 74.6%
Last SUE: -0.13
Qual. Beats: 0
Warnings

volatile

Tailwinds

No distinct edge detected

Description: QFIN 360 Finance

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) 6.0
Net Income: 5.97b TTM > 0 and > 6% of Revenue
FCF/TA: 0.19 > 0.02 and ΔFCF/TA 1.22 > 1.0
NWC/Revenue: 66.47% < 20% (prev 147.4%; Δ -80.96% < -1%)
CFO/TA 0.19 > 3% & CFO 10.98b > Net Income 5.97b
Net Debt (-5.32b) to EBITDA (8.02b): -0.66 < 3
Current Ratio: 6.27 > 1.5 & < 3
Outstanding Shares: last quarter (65.3m) vs 12m ago -54.90% < -2%
Gross Margin: 74.42% > 18% (prev 0.62%; Δ 7.38k% > 0.5%)
Asset Turnover: 33.54% > 50% (prev 35.66%; Δ -2.12% > 0%)
Interest Coverage Ratio: -1.76 > 6 (EBITDA TTM 8.02b / Interest Expense TTM -2.67b)
Altman Z''
A: 0.21 (Total Current Assets 13.94b - Total Current Liabilities 2.22b) / Total Assets 56.99b
B: error (Retained Earnings missing)
C: 0.09 (EBIT TTM 4.69b / Avg Total Assets 52.56b)
D: 0.74 (Book Value of Equity 24.17b / Total Liabilities 32.81b)
Beneish M 0.87
DSRI: 1.55 (Receivables 3.54b/2.22b, Revenue 17.63b/17.17b)
GMI: 0.83 (GM 74.42% / 61.77%)
AQI: 7.18 (AQ_t 0.74 / AQ_t-1 0.10)
SGI: 1.03 (Revenue 17.63b / 17.17b)
TATA: -0.09 (NI 5.97b - CFO 10.98b) / TA 56.99b)
Beneish M-Score: 0.87 (Cap -4..+1) = D
What is the price of QFIN shares? As of April 06, 2026, the stock is trading at USD 12.99 with a total of 885,800 shares traded.
Over the past week, the price has changed by +5.10%, over one month by -11.75%, over three months by -33.25% and over the past year by -62.32%.
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?
Wallstreet Target Price 24.1 85.5%
Analysts Target Price 24.1 85.5%
QFIN Fundamental Data Overview as of 03 April 2026
P/E Trailing = 2.0345
P/E Forward = 3.2712
P/S = 0.089
P/B = 0.4529
Revenue TTM = 17.63b USD
EBIT TTM = 4.69b USD
EBITDA TTM = 8.02b USD
Long Term Debt = 4.83b USD (from longTermDebt, two quarters ago)
Short Term Debt = 2.22b USD (from shortTermDebt, last quarter)
Debt = 2.22b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -5.32b USD (from netDebt column, last quarter)
Enterprise Value = -6.47b USD (1.71b + Debt 2.22b - CCE 10.40b)
Interest Coverage Ratio = -1.76 (Ebit TTM 4.69b / Interest Expense TTM -2.67b)
EV/FCF = -0.60x (Enterprise Value -6.47b / FCF TTM 10.83b)
 FCF Yield = -167.4% (FCF TTM 10.83b / Enterprise Value -6.47b)
 FCF Margin = 61.42% (FCF TTM 10.83b / Revenue TTM 17.63b)
Net Margin = 33.86% (Net Income TTM 5.97b / Revenue TTM 17.63b)
Gross Margin = 74.42% ((Revenue TTM 17.63b - Cost of Revenue TTM 4.51b) / Revenue TTM)
Gross Margin QoQ = 78.32% (prev 64.98%)
 Tobins Q-Ratio = -0.11 (set to none) (Enterprise Value -6.47b / Total Assets 56.99b)
 Interest Expense / Debt = 3.47% (Interest Expense 77.2m / Debt 2.22b)
Taxrate = 11.84% (134.6m / 1.14b)
NOPAT = 4.14b (EBIT 4.69b * (1 - 11.84%))
Current Ratio = 6.27 (Total Current Assets 13.94b / Total Current Liabilities 2.22b)
Debt / Equity = 0.09 (Debt 2.22b / totalStockholderEquity, last quarter 24.17b)
Debt / EBITDA = -0.66 (Net Debt -5.32b / EBITDA 8.02b)
Debt / FCF = -0.49 (Net Debt -5.32b / FCF TTM 10.83b)
Total Stockholder Equity = 23.89b (last 4 quarters mean from totalStockholderEquity)
RoA = 11.36% (Net Income 5.97b / Total Assets 56.99b)
RoE = 24.99% (Net Income TTM 5.97b / Total Stockholder Equity 23.89b)
RoCE = 16.34% (EBIT 4.69b / Capital Employed (Equity 23.89b + L.T.Debt 4.83b))
RoIC = 13.77% (NOPAT 4.14b / Invested Capital 30.05b)
WACC = 6.41% (E(1.71b)/V(3.93b) * Re(10.77%) + D(2.22b)/V(3.93b) * Rd(3.47%) * (1-Tc(0.12)))
Discount Rate = 10.77% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -36.46%
[DCF] Terminal Value 86.05% ; FCFF base≈9.92b ; Y1≈11.39b ; Y5≈15.94b
[DCF] Fair Price = 3.41k (EV 409.92b - Net Debt -5.32b = Equity 415.24b / Shares 121.9m; r=6.41% [WACC]; 5y FCF grow 17.36% → 3.0% )
EPS Correlation: -11.90 | EPS CAGR: -45.42% | SUE: -1.91 | # QB: 0
Revenue Correlation: 74.55 | Revenue CAGR: 3.31% | SUE: -0.13 | # QB: 0
EPS next Quarter (2026-06-30): EPS=9.01 | Chg7d=+9.010 | Chg30d=+0.000 | Revisions Net=+0 | Analysts=1
EPS current Year (2026-12-31): EPS=28.80 | Chg7d=+0.000 | Chg30d=-10.164 | Revisions Net=-4 | Growth EPS=-38.4% | Growth Revenue=-22.6%
EPS next Year (2027-12-31): EPS=34.67 | Chg7d=+0.000 | Chg30d=-5.359 | Revisions Net=-2 | Growth EPS=+20.4% | Growth Revenue=+5.0%
[Analyst] Revisions Ratio: -1.00 (0 Up / 4 Down within 30d for Current Year)
[Growth] Implied Growth Rate = -38.4% (Discount Rate 10.8% - Earnings Yield 49.2%)
[Growth] Growth Spread = +18.5% (Analyst -19.9% - Implied -38.4%)
External Resources
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