(QFIN) 360 Finance - Ratings and Ratios
Credit-Tech Platform, Loan Facilitation, Credit Assessment
QFIN EPS (Earnings per Share)
QFIN Revenue
Description: QFIN 360 Finance November 06, 2025
Qfin Holdings, Inc. (NASDAQ: QFIN) operates an AI-driven credit-technology platform under the “Qifu Jietiao” brand in China, matching borrowers-ranging from consumers to micro-enterprises-with financial institutions for loan acquisition, credit assessment, fund allocation, and post-loan servicing.
The firm’s core offering includes an “intelligence credit engine” that automates borrower acquisition, risk scoring, and referral services, enabling partner banks to expand loan portfolios while reducing underwriting costs. Qfin also provides ancillary technology solutions such as data-analytics dashboards and compliance monitoring tools.
Founded in 2016 and headquartered in Shanghai, the company rebranded from Qifu Technology to Qfin Holdings in July 2025. It sits in the GICS Consumer Finance sub-industry and primarily serves the Chinese market, where fintech adoption remains high and regulatory support for digital credit services is evolving.
Key metrics (as of the latest quarterly filing) show a 38 % YoY increase in loan origination volume, a 22 % rise in active borrower count, and an average loan-to-value ratio of 68 %, reflecting strong demand among underserved micro-enterprises. The platform’s AI-based risk model has achieved a default rate of 2.7 %, notably lower than the sector average of ~4 % for comparable peer fintechs.
Macro-level drivers include China’s ongoing shift toward “inclusive finance,” the government’s push for digital transformation in banking, and a tightening of traditional credit lines for small businesses, all of which create tailwinds for AI-enabled lending platforms.
For a deeper, data-rich analysis of QFIN’s valuation dynamics, consider exploring the company’s profile on ValueRay, where you’ll find granular financial models and scenario testing tools.
QFIN Stock Overview
| Market Cap in USD | 3,574m |
| Sub-Industry | Consumer Finance |
| IPO / Inception | 2018-12-14 |
QFIN Stock Ratings
| Growth Rating | 19.8% |
| Fundamental | 86.1% |
| Dividend Rating | 85.9% |
| Return 12m vs S&P 500 | -38.2% |
| Analyst Rating | 4.75 of 5 |
QFIN Dividends
| Dividend Yield 12m | 6.55% |
| Yield on Cost 5y | 14.66% |
| Annual Growth 5y | 61.53% |
| Payout Consistency | 96.1% |
| Payout Ratio | 2.9% |
QFIN Growth Ratios
| Growth Correlation 3m | -73.4% |
| Growth Correlation 12m | -37.2% |
| Growth Correlation 5y | 50.4% |
| CAGR 5y | 21.19% |
| CAGR/Max DD 3y (Calmar Ratio) | 0.39 |
| CAGR/Mean DD 3y (Pain Ratio) | 1.04 |
| Sharpe Ratio 12m | -1.18 |
| Alpha | -41.39 |
| Beta | 0.479 |
| Volatility | 72.43% |
| Current Volume | 1263.3k |
| Average Volume 20d | 1674.4k |
| Stop Loss | 20.8 (-6.6%) |
| Signal | -0.80 |
Piotroski VR‑10 (Strict, 0-10) 5.0
| 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 (161.5m) change vs 12m ago 4.34% (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) 86.12
| 1. Piotroski 5.0pt = 0.0 |
| 2. FCF Yield 49.56% = 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 (= 13.32)% = 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 -7.74%, over one month by -21.16%, over three months by -31.89% and over the past year by -29.52%.
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 21.77 USD . This means that QFIN is currently overvalued and has a potential downside of -2.29%.
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 | 48.2 | 116.4% |
| Analysts Target Price | 48.2 | 116.4% |
| ValueRay Target Price | 23.8 | 6.9% |
QFIN Fundamental Data Overview October 27, 2025
P/E Trailing = 3.8284
P/E Forward = 3.2712
P/S = 0.1905
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 = 21.58b CNY (25.46b + Debt 6.32b - CCE 10.19b)
Interest Coverage Ratio = -3.51 (Ebit TTM 6.76b / Interest Expense TTM -1.93b)
FCF Yield = 49.56% (FCF TTM 10.70b / Enterprise Value 21.58b)
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 = 0.36 (Enterprise Value 21.58b / 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 = 6.43% (E(25.46b)/V(31.78b) * Re(7.78%) + D(6.32b)/V(31.78b) * 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: -33.33 | Cagr: -0.06%
[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
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Fund Manager Positions: Dataroma | Stockcircle