QFIN Stock Analysis: Qfin Holdings | NASDAQ
Credit Services | NASDAQ, USA | Market Cap: 785m USD | 12M Return: -76.5% | US88557W1018 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 14.7M
EPS Trend: 42.9%
Qual. Beats: 0
Rev. Trend: 69.1%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 7.8 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 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 October 08, 2026, the stock is trading at USD 6.37 with a total of 2,243,420 shares traded. Over the past week, the price has changed by -5.77%, over one month by -23.99%, over three months by -55.99% and over the past year by -76.48%.
Current recommended Stop Loss: 5.90 (which is 7.4% or 1.3 ATR below the current price).
Qfin Holdings has received a consensus analysts rating of 3.77. Therefore, it is recommended to hold QFIN.
- StrongBuy: 5
- Buy: 3
- Hold: 3
- Sell: 1
- StrongSell: 1
| Analysts Target Price | 14.8 | 132.3% |
Market Cap CNY = 5.27b (785.4m USD * 6.70455 USD.CNY)
P/E Trailing = 1.4783
P/E Forward = 3.2712
P/S = 0.0468
P/B = 0.2591
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 = 5.27b CNY (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = unknown (Ebit TTM 5.10b / Interest Expense TTM 0.0)
EV/FCF = 0.61x (Enterprise Value 5.27b / FCF TTM 8.60b)
FCF Yield = 163.3% (FCF TTM 8.60b / Enterprise Value 5.27b)
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 = 0.10 (Enterprise Value 5.27b / 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 = 6.17% (E(5.27b)/V(8.23b) * Re(9.65%) + D(2.96b)/V(8.23b) * Rd(0.0%) * (1-Tc(0.28)))
Discount Rate = 9.65% (= 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=-0.94% | Revisions=-40% | GrowthEPS=-62.9% | GrowthRev=-31.7%
EPS next Year (2027-12-31): EPS=19.27 | Chg30d=-20.06% | Revisions=-57% | GrowthEPS=+10.9% | GrowthRev=-8.6%
[Analyst] Revisions Ratio: -70% (up=0, down=7)