(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 | 4,518m |
| Sector | Financial Services |
| Industry | Credit Services |
| GiC Sub-Industry | Consumer Finance |
| IPO / Inception | 2018-12-14 |
QFIN Stock Ratings
| Growth Rating | 61.3 |
| Fundamental | 74.3% |
| Dividend Rating | 76.2 |
| Rel. Strength | 35.9 |
| Analysts | 4.75 of 5 |
| Fair Price Momentum | 33.23 USD |
| Fair Price DCF | 1059.53 USD |
QFIN Dividends
| Dividend Yield 12m | 3.72% |
| Yield on Cost 5y | 11.33% |
| Annual Growth 5y | 43.28% |
| Payout Consistency | 96.1% |
| Payout Ratio | 3.4% |
QFIN Growth Ratios
| Growth Correlation 3m | -62.7% |
| Growth Correlation 12m | 74.4% |
| Growth Correlation 5y | 52.1% |
| CAGR 5y | 23.08% |
| CAGR/Max DD 5y | 0.30 |
| Sharpe Ratio 12m | -0.68 |
| Alpha | 40.56 |
| Beta | 1.252 |
| Volatility | 54.04% |
| Current Volume | 1106.1k |
| Average Volume 20d | 1913.3k |
| Stop Loss | 30.8 (-4.9%) |
Piotroski VR‑10 (Strict, 0-10) 6.0
| Net Income (6.90b TTM) > 0 and > 6% of Revenue (6% = 977.1m TTM) |
| FCFTA 0.18 (>2.0%) and ΔFCFTA 3.07pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 85.85% (prev 75.39%; Δ 10.46pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.18 (>3.0%) and CFO 10.19b > Net Income 6.90b (YES >=105%, WARN >=100%) |
| Net Debt (-2.45b) to EBITDA (4.30b) ratio: -0.57 <= 3.0 (WARN <= 3.5) |
| Current Ratio 12.46 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (142.6m) change vs 12m ago -10.56% (target <= -2.0% for YES) |
| Gross Margin 74.10% (prev 58.00%; Δ 16.10pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 31.60% (prev 30.81%; Δ 0.79pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| error: Interest Coverage Ratio cannot be calculated (needs EBITDA TTM and Interest Expense TTM) |
Altman Z'' 4.10
| (A) 0.25 = (Total Current Assets 15.20b - Total Current Liabilities 1.22b) / Total Assets 55.63b |
| (B) 0.38 = Retained Earnings (Balance) 20.95b / Total Assets 55.63b |
| (C) 0.08 = EBIT TTM 4.19b / Avg Total Assets 51.53b |
| (D) 0.64 = Book Value of Equity 20.95b / Total Liabilities 32.51b |
| Total Rating: 4.10 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 74.28
| 1. Piotroski 6.0pt = 1.0 |
| 2. FCF Yield 36.43% = 5.0 |
| 3. FCF Margin 62.58% = 7.50 |
| 4. Debt/Equity 0.27 = 2.47 |
| 5. Debt/Ebitda 1.43 = 1.09 |
| 6. ROIC - WACC 3.86% = 4.83 |
| 7. RoE 29.79% = 2.48 |
| 8. Rev. Trend 1.65% = 0.08 |
| 9. Rev. CAGR -1.00% = -0.17 |
| 10. EPS Trend data missing |
| 11. EPS CAGR 0.0% = 0.0 |
As of August 13, 2025, the stock is trading at USD 32.37 with a total of 1,106,091 shares traded.
Over the past week, the price has changed by +3.21%, over one month by -19.74%, over three months by -24.95% and over the past year by +71.58%.
Partly, yes. Based on ValueRay´s Fundamental Analyses, 360 Finance (NASDAQ:QFIN) is currently (August 2025) ok to buy, but has to be watched. It has a ValueRay Fundamental Rating of 74.28 and therefor a somewhat positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of QFIN is around 33.23 USD . This means that QFIN is currently overvalued and has a potential downside of 2.66%.
360 Finance has received a consensus analysts rating of 4.75. Therefore, it is recommended to buy QFIN.
- Strong Buy: 9
- Buy: 3
- Hold: 0
- Sell: 0
- Strong Sell: 0
According to our own proprietary Forecast Model, QFIN 360 Finance will be worth about 37.2 in August 2026. The stock is currently trading at 32.37. This means that the stock has a potential upside of +14.98%.
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 55.9 | 72.7% |
| Analysts Target Price | 55.1 | 70.1% |
| ValueRay Target Price | 37.2 | 15% |
QFIN Fundamental Data Overview
CCE Cash And Equivalents = 10.62b CNY (Cash And Short Term Investments, last quarter)
P/E Trailing = 5.1852
P/E Forward = 3.2712
P/S = 0.2552
P/B = 1.4075
Beta = 0.448
Revenue TTM = 16.28b CNY
EBIT TTM = 4.19b CNY
EBITDA TTM = 4.30b CNY
Long Term Debt = 4.91b CNY (from longTermDebt, last quarter)
Short Term Debt = 1.22b CNY (from shortTermDebt, last quarter)
Debt = 6.13b CNY (Calculated: Short Term 1.22b + Long Term 4.91b)
Net Debt = -2.45b CNY (from netDebt column, last quarter)
Enterprise Value = 27.97b CNY (32.46b + Debt 6.13b - CCE 10.62b)
[93m Interest Coverage Ratio = unknown (Ebit TTM 4.19b / Interest Expense TTM 0.0)
[39m FCF Yield = 36.43% (FCF TTM 10.19b / Enterprise Value 27.97b)
FCF Margin = 62.58% (FCF TTM 10.19b / Revenue TTM 16.28b)
Net Margin = 42.37% (Net Income TTM 6.90b / Revenue TTM 16.28b)
Gross Margin = 74.10% ((Revenue TTM 16.28b - Cost of Revenue TTM 4.22b) / Revenue TTM)
Tobins Q-Ratio = 1.33 (Enterprise Value 27.97b / Book Value Of Equity 20.95b)
Interest Expense / Debt = 1.26% (Interest Expense 77.2m / Debt 6.13b)
Taxrate = 20.83% (from yearly Income Tax Expense: 1.64b / 7.89b)
NOPAT = 3.31b (EBIT 4.19b * (1 - 20.83%))
Current Ratio = 12.46 (Total Current Assets 15.20b / Total Current Liabilities 1.22b)
Debt / Equity = 0.27 (Debt 6.13b / last Quarter total Stockholder Equity 23.06b)
Debt / EBITDA = 1.43 (Net Debt -2.45b / EBITDA 4.30b)
Debt / FCF = 0.60 (Debt 6.13b / FCF TTM 10.19b)
Total Stockholder Equity = 23.17b (last 4 quarters mean)
RoA = 12.40% (Net Income 6.90b, Total Assets 55.63b )
RoE = 29.79% (Net Income TTM 6.90b / Total Stockholder Equity 23.17b)
RoCE = 14.91% (Ebit 4.19b / (Equity 23.17b + L.T.Debt 4.91b))
RoIC = 12.96% (NOPAT 3.31b / Invested Capital 25.57b)
WACC = 9.10% (E(32.46b)/V(38.59b) * Re(10.63%)) + (D(6.13b)/V(38.59b) * Rd(1.26%) * (1-Tc(0.21)))
Shares Correlation 5-Years: -70.0 | Cagr: -2.37%
Discount Rate = 10.63% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 70.74% ; FCFE base≈9.01b ; Y1≈9.87b ; Y5≈12.55b
Fair Price DCF = 1060 (DCF Value 142.47b / Shares Outstanding 134.5m; 5y FCF grow 10.96% → 2.90% )
Revenue Correlation: 1.65 | Revenue CAGR: -1.00%
Revenue Growth Correlation: 88.62%
EPS Correlation: N/A | EPS CAGR: 0.0%
EPS Growth Correlation: -16.11%
Additional Sources for QFIN Stock
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