(QFIN) 360 Finance - Ratings and Ratios
Credit-Tech Platform, Loan Facilitation, Credit Assessment
Dividends
| Dividend Yield | 7.46% |
| Yield on Cost 5y | 15.10% |
| Yield CAGR 5y | 61.53% |
| Payout Consistency | 96.1% |
| Payout Ratio | 2.9% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 58.1% |
| Value at Risk 5%th | 85.2% |
| Relative Tail Risk | -10.91% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.88 |
| Alpha | -56.69 |
| CAGR/Max DD | 0.13 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.405 |
| Beta | 0.879 |
| Beta Downside | 1.285 |
| Drawdowns 3y | |
|---|---|
| Max DD | 60.64% |
| Mean DD | 21.53% |
| Median DD | 20.93% |
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.
Piotroski VR‑10 (Strict, 0-10) 6.0
| Net Income (6.89b TTM) > 0 and > 6% of Revenue (6% = 1.08b TTM) |
| FCFTA 0.18 (>2.0%) and ΔFCFTA -0.59pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 202.6% (prev 245.0%; Δ -42.43pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.18 (>3.0%) and CFO 10.98b > Net Income 6.89b (YES >=105%, WARN >=100%) |
| Net Debt (-197.2m) to EBITDA (9.10b) ratio: -0.02 <= 3.0 (WARN <= 3.5) |
| Current Ratio 2.94 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (66.5m) change vs 12m ago -55.08% (target <= -2.0% for YES) |
| Gross Margin 71.46% (prev 59.46%; Δ 12.00pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 33.34% (prev 35.28%; Δ -1.94pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio -5.47 (EBITDA TTM 9.10b / Interest Expense TTM -1.26b) >= 6 (WARN >= 3) |
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 (Balance) 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 |
| Total Rating: 6.56 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 92.59
| 1. Piotroski 6.0pt |
| 2. FCF Yield 73.82% |
| 3. FCF Margin 59.90% |
| 4. Debt/Equity 0.26 |
| 5. Debt/Ebitda -0.02 |
| 6. ROIC - WACC (= 11.44)% |
| 7. RoE 28.82% |
| 8. Rev. Trend 72.83% |
| 9. EPS Trend 75.24% |
What is the price of QFIN shares?
Over the past week, the price has changed by -0.86%, over one month by -12.16%, over three months by -30.38% and over the past year by -47.41%.
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 | 35.7 | 82.4% |
| Analysts Target Price | 35.7 | 82.4% |
| ValueRay Target Price | 19.5 | -0.6% |
QFIN Fundamental Data Overview November 29, 2025
P/E Trailing = 2.847
P/E Forward = 3.2712
P/S = 0.1391
P/B = 0.7523
Beta = 0.443
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 = 14.67b CNY (19.26b + Debt 6.33b - CCE 10.92b)
Interest Coverage Ratio = -5.47 (Ebit TTM 6.90b / Interest Expense TTM -1.26b)
FCF Yield = 73.82% (FCF TTM 10.83b / Enterprise Value 14.67b)
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 = 0.24 (Enterprise Value 14.67b / 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 = 11.21% (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 = 7.20% (E(19.26b)/V(25.59b) * Re(9.25%) + D(6.33b)/V(25.59b) * Rd(1.22%) * (1-Tc(0.22)))
Discount Rate = 9.25% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -35.85%
[DCF Debug] Terminal Value 76.16% ; FCFE base≈9.92b ; Y1≈11.39b ; Y5≈15.94b
Fair Price DCF = 1702 (DCF Value 221.58b / Shares Outstanding 130.2m; 5y FCF grow 17.36% → 3.0% )
EPS Correlation: 75.24 | EPS CAGR: 6.33% | SUE: -0.45 | # QB: 0
Revenue Correlation: 72.83 | Revenue CAGR: 8.75% | SUE: 0.05 | # QB: 0
EPS next Quarter (2026-03-31): EPS=13.40 | Chg30d=-2.380 | Revisions Net=-1 | Analysts=1
EPS next Year (2026-12-31): EPS=44.09 | Chg30d=-14.571 | Revisions Net=-3 | Growth EPS=-7.4% | Growth Revenue=-5.5%
Additional Sources for QFIN Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle