(QFIN) 360 Finance - Overview
Exchange: NASDAQ •
Country: China •
Currency: USD •
Type: Common Stock •
ISIN: US88557W1018
Stock: Credit-Tech Platform, Loan Facilitation, Credit Assessment, Borrower Matching
Total Rating 31
Risk 94
Buy Signal -1.56
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 4.48% |
| Yield on Cost 5y | 8.74% |
| Yield CAGR 5y | 51.11% |
| Payout Consistency | 96.7% |
| Payout Ratio | 4.0% |
| Risk 5d forecast | |
|---|---|
| Volatility | 53.3% |
| Relative Tail Risk | -12.3% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -1.59 |
| Alpha | -72.75 |
| Character TTM | |
|---|---|
| Beta | 0.919 |
| Beta Downside | 1.077 |
| Drawdowns 3y | |
|---|---|
| Max DD | 67.29% |
| CAGR/Max DD | -0.07 |
Description: QFIN 360 Finance January 09, 2026
Qfin Holdings, Inc. (NASDAQ: QFIN) operates an AI-driven credit-tech platform under the Qifu Jietiao brand, matching borrowers in China with financial-institution partners for loan acquisition, credit assessment, fund matching, and post-loan servicing.
The firm’s service suite includes an intelligence-based credit engine, referral services, and technology solutions that support financial institutions, consumers, and small- to micro-enterprise borrowers across the People’s Republic of China.
Founded in 2016 and headquartered in Shanghai, the company rebranded from Qifu Technology to Qfin Holdings in July 2025 and is classified under the GICS sub-industry “Consumer Finance.”
Recent data (Q1 2024) show the platform originated RMB 3.2 billion in loans, a 28 % YoY increase, while maintaining a portfolio-wide non-performing loan (NPL) rate of 2.1 %-below the industry average of roughly 3 % for Chinese fintech lenders.
Key macro drivers include China’s ongoing urbanization and rising disposable income among the 300 million “new-middle-class” consumers, as well as regulatory tightening that favors AI-enabled risk assessment to meet tighter capital adequacy requirements.
For a deeper dive into QFIN’s valuation metrics, see the ValueRay analysis.
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 (66.5m) vs 12m ago -55.08% < -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 February 07, 2026, the stock is trading at USD 16.08 with a total of 2,049,068 shares traded.
Over the past week, the price has changed by +3.41%, over one month by -15.55%, over three months by -28.79% and over the past year by -60.40%.
Over the past week, the price has changed by +3.41%, over one month by -15.55%, over three months by -28.79% and over the past year by -60.40%.
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 | 32.7 | 103.2% |
| Analysts Target Price | 32.7 | 103.2% |
| ValueRay Target Price | 13.7 | -14.6% |
QFIN Fundamental Data Overview February 04, 2026
Market Cap CNY = 14.89b (2.14b USD * 6.9418 USD.CNY)
P/E Trailing = 2.1997
P/E Forward = 3.2712
P/S = 0.1095
P/B = 0.5935
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 = 10.29b CNY (14.89b + Debt 6.33b - CCE 10.92b)
Interest Coverage Ratio = -5.47 (Ebit TTM 6.90b / Interest Expense TTM -1.26b)
EV/FCF = 0.95x (Enterprise Value 10.29b / FCF TTM 10.83b)
FCF Yield = 105.2% (FCF TTM 10.83b / Enterprise Value 10.29b)
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 = 0.17 (Enterprise Value 10.29b / 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 = 6.73% (E(14.89b)/V(21.22b) * Re(9.19%) + D(6.33b)/V(21.22b) * Rd(1.22%) * (1-Tc(0.22)))
Discount Rate = 9.19% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -35.85%
[DCF Debug] Terminal Value 84.48% ; FCFF base≈9.92b ; Y1≈11.39b ; Y5≈15.90b
Fair Price DCF = 2803 (EV 364.65b - Net Debt -197.2m = Equity 364.84b / Shares 130.2m; r=6.73% [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 Quarter (2026-03-31): EPS=8.16 | Chg30d=-5.240 | Revisions Net=-1 | Analysts=1
EPS next Year (2026-12-31): EPS=41.21 | Chg30d=-0.750 | Revisions Net=-5 | Growth EPS=-12.5% | Growth Revenue=-9.6%
P/E Trailing = 2.1997
P/E Forward = 3.2712
P/S = 0.1095
P/B = 0.5935
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 = 10.29b CNY (14.89b + Debt 6.33b - CCE 10.92b)
Interest Coverage Ratio = -5.47 (Ebit TTM 6.90b / Interest Expense TTM -1.26b)
EV/FCF = 0.95x (Enterprise Value 10.29b / FCF TTM 10.83b)
FCF Yield = 105.2% (FCF TTM 10.83b / Enterprise Value 10.29b)
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 = 0.17 (Enterprise Value 10.29b / 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 = 6.73% (E(14.89b)/V(21.22b) * Re(9.19%) + D(6.33b)/V(21.22b) * Rd(1.22%) * (1-Tc(0.22)))
Discount Rate = 9.19% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -35.85%
[DCF Debug] Terminal Value 84.48% ; FCFF base≈9.92b ; Y1≈11.39b ; Y5≈15.90b
Fair Price DCF = 2803 (EV 364.65b - Net Debt -197.2m = Equity 364.84b / Shares 130.2m; r=6.73% [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 Quarter (2026-03-31): EPS=8.16 | Chg30d=-5.240 | Revisions Net=-1 | Analysts=1
EPS next Year (2026-12-31): EPS=41.21 | Chg30d=-0.750 | Revisions Net=-5 | Growth EPS=-12.5% | Growth Revenue=-9.6%