Qfin (QFIN) Stock Price, News & Analysis

Company Overview

Qifu Technology, Inc., through its subsidiaries, operates credit-tech platform under the 360 Jietiao brand in the People's Republic of China. It provides credit-driven services that matches borrowers with financial institutions to conduct customer acquisition, initial and credit screening, advanced risk assessment, credit assessment, fund matching, and other post-facilitation services; and platform services, including loan facilitation and post-facilitation services to financial institution partners under intelligence credit engine, referral services, and risk management software-as-a-service. The company also offers e-commerce loans, enterprise loans, and invoice loans to SME owners. It serves financial institutions, consumers, and small- and micro-enterprises. The company was formerly known as 360 DigiTech, Inc. and changed its name to Qifu Technology, Inc. in March 2023. The company was founded in 2016 and is headquartered in Shanghai, the People's Republic of China.

Key Stats

• Today's Range: $30.78 to $31.81
• 50-Day Range: $29.15 to $45.80
• 52-Week Range: $24.30 to $48.94
• Volume: 1.58 million shs
• Average Volume: 1.75 million shs
• Market Capitalization: $4.96 billion
• P/E Ratio: 4.44
• Dividend Yield: 4.39%
• Price Target: $51.73
• Consensus Rating: Buy

Qfin Stock Analysis - MarketRank™

Qfin scored higher than 98% of companies evaluated by MarketBeat, and ranked 8th out of 307 stocks in the business services sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.5 / 5
• Analyst Rating: Buy

Consensus Rating

Qfin has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on 3 buy ratings, no hold ratings, and no sell ratings.

Amount of Analyst Coverage

Qfin has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 3.8 / 5
• Proj. Earnings Growth: 11.91%

Earnings Growth

Earnings for Qfin are expected to grow by 11.91% in the coming year, from $5.71 to $6.39 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Qfin is 4.44, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 28.40.

Price to Earnings Ratio vs. Sector

The P/E ratio of Qfin is 4.44, which means that it is trading at a less expensive P/E ratio than the Business Services sector average P/E ratio of about 28.41.

Price to Earnings Growth Ratio

Qfin has a PEG Ratio of 0.30. PEG Ratios below 1 indicate that a company could be undervalued.

Price to Book Value per Share Ratio

Qfin has a P/B Ratio of 1.47. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

4.59% of the float of Qfin has been sold short.

Short Interest Ratio / Days to Cover

Qfin has a short interest ratio ("days to cover") of 3.4, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Qfin has recently decreased by 10.03%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Leadership

Qfin is a leading dividend payer. It pays a dividend yield of 4.65%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

Qfin does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Qfin is 19.49%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Qfin will have a dividend payout ratio of 21.60% next year. This indicates that Qfin will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

4.59% of the float of Qfin has been sold short.

Short Interest Ratio / Days to Cover

Qfin has a short interest ratio ("days to cover") of 3.4, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Qfin has recently decreased by 10.03%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 3.2 / 5
• News Sentiment: 0.68

News Sentiment

Qfin has a news sentiment score of 0.68. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This news sentiment score is similar to the average news sentiment of Business Services companies.

News Coverage This Week

MarketBeat has tracked 18 news articles for Qfin this week, compared to 7 articles on an average week.

Search Interest

23 people have searched for QFIN on MarketBeat in the last 30 days. This is an increase of 283% compared to the previous 30 days.

MarketBeat Follows

26 people have added Qfin to their MarketBeat watchlist in the last 30 days. This is an increase of 225% compared to the previous 30 days.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Qfin insiders have not sold or bought any company stock.

Percentage Held by Insiders

17.10% of the stock of Qfin is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

74.81% of the stock of Qfin is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

QFIN Stock Analysis - Frequently Asked Questions

How have QFIN shares performed this year?

Qfin's stock was trading at $38.38 on January 1st, 2025. Since then, QFIN shares have decreased by 18.1% and is now trading at $31.4310.

How were Qfin's earnings last quarter?

Qfin Holdings Inc. - Sponsored ADR (NASDAQ:QFIN) announced its quarterly earnings results on Thursday, August, 14th. The company reported $1.78 EPS for the quarter, missing the consensus estimate of $1.79 by $0.01. The firm had revenue of $728 million for the quarter, compared to the consensus estimate of $4.68 billion. Qfin had a net margin of 38.66% and a trailing twelve-month return on equity of 30.74%.
Read the conference call transcript.

When did Qfin IPO?

Qfin (QFIN) raised $54 million in an IPO on Friday, December 14th 2018. The company issued 3,100,000 shares at a price of $16.50-$18.50 per share. Citigroup, Haitong International, AMTD and Lighthouse Capital served as the underwriters for the IPO and China Securities International, TF International, HeungKong Financial and North Beta Capital were co-managers.

Who are Qfin's major shareholders?

Qfin's top institutional investors include Aspex Management HK Ltd (4.20%), Acadian Asset Management LLC (3.24%), Greenwoods Asset Management Hong Kong Ltd. (2.09%) and JPMorgan Chase & Co. (0.87%).

How do I buy shares of Qfin?

Shares of QFIN stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Qfin own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Qfin investors own include Humana (HUM), American Water Works (AWK), NVIDIA (NVDA), TotalEnergies (TTE), Voyager Therapeutics (VYGR), Waste Connections (WCN) and Broadcom (AVGO).

Company Calendar

• Record date for 6/2 Dividend: 4/23/2025
• Ex-Dividend for 6/2 Dividend: 4/23/2025
• Dividend Payable: 6/02/2025
• Last Earnings: 8/14/2025
• Today: 8/22/2025
• Record date for 9/30 Dividend: 9/08/2025
• Ex-Dividend for 9/30 Dividend: 9/08/2025
• Dividend Payable: 9/30/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Business Services
• Industry: Technology Services
• Sub-Industry: Banking
• Current Symbol: NASDAQ:QFIN
• CIK: 1741530
• Web: www.360jie.com.cn
• Phone: 862158357668
• Fax: N/A
• Employees: 3,527
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Qfin: $51.73
• High Price Target: $65.00
• Low Price Target: $37.50
• Potential Upside/Downside: +68.7%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): $7.08
• Trailing P/E Ratio: 4.33
• Forward P/E Ratio: 5.37
• P/E Growth: 0.3
• Net Income: $858.21 million
• Net Margins: 38.66%
• Pretax Margin: 45.70%
• Return on Equity: 30.74%
• Return on Assets: 13.78%

Debt

• Debt-to-Equity Ratio: 0.20
• Current Ratio: 3.48
• Quick Ratio: 3.08

Sales & Book Value

• Annual Sales: $2.35 billion
• Price / Sales: 2.06
• Cash Flow: $5.69 per share
• Price / Cash Flow: 5.39
• Book Value: $21.35 per share
• Price / Book: 1.44

Miscellaneous

• Outstanding Shares: 157,610,000
• Free Float: 130,661,000
• Market Cap: $4.83 billion
• Optionable: Optionable
• Beta: 0.39