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Qfin Holdings Inc. - Sponsored ADR QFIN

Financial — Credit Services
Cash Flow Champion (3y) Insider Buys (last 12m)
Growth Flags show if company had growth for consecutive years ,
Insider Buys alert about insiders buying in the last 12 month

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Insider Decisions

Total buys
0.06
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — 1 — — —
Sell — — — — — — — — — — — —
Insider Ownership
8.70%

Capital & Financial Ratios

Market Cap
1,010.00
Revenue
2,464.16
Net Income
854.51
Free Cash Flow
1,296.32
Net Debt
(1,095.28)
Current Ratio
2.17
Debt/Equity
0.12
P/E ratio
1.91
P/S ratio
0.40
P/B ratio
0.29
Past 5Y EPS Growth
18.01%
This Y EPS Growth
(60.02%)
Next Y EPS Growth
(5.44%)
Next 5Y EPS Growth
(19.49%)
in millions of $

Dividends

Payout Ratio
0.15
Annual Dividend Rate
0.82
Annual Dividend Yield
6.99%
total individual payouts
2028 ‡‡‡‡‡
2027 ‡‡‡‡‡
2026 1.64
—
—
2025 1.46
—
—
2024 1.18
—
—
2023 0.66
—
—
2022 0.82
—
—
—
—
2021 0.28
—
2020 ‡‡‡
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 1,066.78 1,397.38 1,486.20 1,529.28
Receivables 4,462.75 4,240.61 5,432.44 4,486.92
Inventory — — — —
Other 29.17 22.28 46.57 38.02
5,605.15 5,860.91 7,075.75 6,251.23
2023 2024 2025 Q'26
Payables 1,259.50 1,121.81 1,418.91 1,621.71
ST’ Debt 112.48 187.68 172.01 321.88
Other 1,008.02 575.88 598.74 354.75
2,802.80 2,393.68 2,911.42 2,881.89
in millions of $

Compound Annual Growth

10y 5y 3y
Sales — ‡‡‡‡‡ ‡‡‡‡‡
Cash Flow — ‡‡‡‡‡ ‡‡‡‡‡
Earnings — ‡‡‡‡‡ ‡‡‡‡‡
Book Value — ‡‡‡‡‡ ‡‡‡‡‡

Revenue

Mar Jun Sep Dec Year
’26 566.74 525.65 — —
—
’25 646.40 728.11 731.25 640.53
2,746.29
’24 575.21 572.44 622.74 581.29
2,351.69
’23 524.08 539.81 586.76 643.75
2,294.40
’22 681.47 624.54 582.57 511.52
2,400.09
’21 549.35 619.76 715.90 725.49
2,610.50
’20 449.51 472.75 545.47 611.04
2,078.77
in millions of $

Operating Cash Flow

Mar Jun Sep Dec Year
’26 304.06 164.99 — —
—
’25 386.63 371.04 356.12 471.16
1,584.96
’24 271.22 268.18 357.17 383.47
1,280.03
’23 256.44 229.36 167.51 349.29
1,002.60
’22 223.94 154.97 201.69 278.09
858.68
’21 270.56 200.88 2,135.60 908.53
908.53
’20 — — — 816.22
816.22
in millions of $

Free Cash Flow

Mar Jun Sep Dec Year
’26 304.06 164.99 — —
—
’25 386.63 371.04 356.12 436.76
1,550.56
’24 271.22 268.18 357.17 362.49
1,259.05
’23 256.44 229.36 167.51 337.38
990.69
’22 223.94 154.97 199.85 276.02
854.77
’21 270.56 200.88 2,135.60 904.56
904.56
’20 — — — 813.88
813.88
in millions of $

EPS

Mar Jun Sep Dec Year
’26 1.04 0.48 — —
—
’25 1.74 1.78 1.52 1.12
6.30
’24 1.02 1.22 1.74 1.82
5.66
’23 0.82 0.92 0.96 0.96
3.68
’22 1.16 0.92 0.86 0.78
3.62
’21 1.28 1.48 1.52 1.30
5.64
’20 0.18 0.82 1.18 1.18
3.50

Target Price Range

High
‡‡‡‡‡
‡‡‡‡‡
Average
‡‡‡‡‡
‡‡‡‡‡
Low
‡‡‡‡‡
‡‡‡‡‡

Recommendation Rating

2.3
1
Buy
2
3
Hold
4
5
Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
— — ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ 9.47 13.12 13.71 17.61 — — —
Low Price
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ 23.23 25.49 40.31 48.94 — — —
High Price
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2,199 3,121 3,527 3,557 — — —
Employees
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.09 0.74 0.67 0.77 — — —
Revenue/Emp
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2,400.09 2,294.40 2,351.69 2,746.29 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 85.66% 100.00% 83.10% 84.37% — — —
Gross Margin
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 687.58 743.32 1,081.26 1,054.78 — — —
EBT
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 28.65% 32.40% 45.98% 38.41% ‡‡‡ ‡‡‡ ‡‡‡
EBT Margin
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 580.75 601.22 855.99 854.51 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Net Income
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 11.16 10.39 10.26 12.92 — — —
Depreciation
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 15.36 14.31 15.78 20.61 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue/Sh
— ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ ‡‡‡ ‡‡‡ 3.74 3.76 5.76 6.42 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Earnings/Sh
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 5.49 6.25 8.59 11.89 ‡‡‡‡‡ — —
Cash Flow/Sh
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.02) (0.07) (0.14) (0.26) ‡‡‡ ‡‡‡ ‡‡‡
Capex/Sh
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 5.47 6.18 8.45 11.64 — — —
Free CF/Sh
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 17.56 19.33 22.29 25.92 ‡‡‡‡‡ — —
Book Value/Sh
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 156.29 160.38 149.01 133.25 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Shares
— ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 5.44 4.04 6.53 3.08 ‡‡‡ ‡‡‡‡ ‡‡‡
PE Ratio
— ‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.36 1.06 2.43 0.94 ‡‡‡ ‡‡‡ ‡‡‡
PS Ratio
— ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.19 0.78 1.72 0.74 ‡‡‡ ‡‡‡ ‡‡‡
PB Ratio
— ‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.75 0.69 1.96 0.54 ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡
EV/Sales
— ‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2.12 1.60 3.71 0.98 — — —
EV/FCF
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 858.68 1,002.60 1,280.03 1,584.96 ‡‡‡ ‡‡‡ ‡‡‡
Op' Cash Flow
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (3.91) (11.91) (20.98) (34.40) ‡‡‡‡‡ — —
Capex
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 854.77 990.69 1,259.05 1,550.56 ‡‡‡‡‡ — —
FCF
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2,515.16 2,802.35 3,467.23 4,164.34 — — —
Working Cap'
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 65.75 112.48 187.68 398.41 — — —
Total Debt
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (1,466.66) (954.30) (1,209.70) (1,087.80) — — —
Net Debt
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2,744.78 3,100.02 3,321.72 3,454.41 — — —
Sh' Equity
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 10.51% 9.81% 13.16% 11.62% — — —
ROA
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 31.71% 19.93% 30.52% 25.22% — — —
ROIC
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 22.74% 20.65% 26.73% 25.28% — — —
ROE
predictions in italic, sparklines do not include predictions

Analyst Commentary (Summary)

Qifu Technology (QFIN), parent of 360 DigiTech, has demonstrated remarkable resilience in China’s volatile fintech landscape, evolving from hyper-growth in consumer and SME lending to a mature, cash-generative business amid regulatory crackdowns and economic slowdowns. Revenues stabilized around $2.35 billion in 2024 after peaking in 2021, with profitability holding firm—net income at $856 million, EBT margins at a robust 46%, and elite gross margins near 83%. Yet, the ADR trades near recent lows, decoupling from improving per-share metrics like EPS of $5.76 and free cash flow per share of $8.45, signaling potential oversold conditions against a backdrop of macro headwinds.

The balance sheet stands as a fortress: net cash of $1.21 billion, equity at $3.32 billion, and debt-to-equity under 6%, providing a liquidity moat in a sector plagued by funding squeezes. ROIC at 30.5% and ROE at 26.7% underscore capital efficiency, funding buybacks that have stabilized shares at 130 million. Valuations remain deeply discounted—PE at 6.5x, PS at 2.43x, PB at 1.72x—far below historical norms and peers, tempting value hunters but wary of persistent China risks.

Analyst projections eye moderate revenue growth to $2.84 billion in 2025 before a dip, with EPS holding above $5.70 and average price targets implying massive upside—though zero insider activity tempers enthusiasm. Downside risks from regulatory zigs, property woes, and geopolitical tensions loom large, but QFIN’s compliant pivot and stimulus tailwinds could unlock re-rating. Steady performers like this warrant scrutiny for balanced portfolios.

Read full commentary →

Qfin Holdings Inc. - Sponsored ADR (QFIN) Latest News

News by impact score

Fine-tune

1 Sep

4 transcript www.fool.com, 6:13 PM
Qfin Holdings Inc. released its Q2 2026 earnings call transcript covering financial results, operational updates, and management commentary on performance and outlook. Earnings call transcript delivers key quarterly metrics and guidance that typically drive notable shifts in stock price and market perception.

26 Aug

4 transcript , 5:01 AM
Qfin Holdings Inc discussed strategies for navigating market turbulence in its Q2 2026 earnings call. Q2 2026 earnings call reveals operational and strategic updates likely to shift investor sentiment and QFIN stock trajectory.

25 Aug

4 , 6:00 PM
Qfin Holdings reported second quarter and interim 2026 unaudited financial results and declared a semi-annual dividend. Quarterly earnings releases and dividend declarations typically drive significant stock price movements.

3 transcript www.marketbeat.com, 11:02 PM
Qfin Holdings reported Q2 results with revenue of RMB 3.9 billion, net income up 28% YoY, and continued growth in loan originations driven by digital lending expansion. Quarterly earnings updates deliver performance details that may influence near-term sentiment without signaling transformative changes.

3 , 7:05 PM
Qfin Holdings Inc. - Sponsored ADR (QFIN) missed Q2 earnings estimates. Missing quarterly earnings estimates typically triggers negative short-term stock price pressure and investor sentiment shifts.

18 Aug

3 , 10:12 AM
Qifu Technology's QFIN stock dropped 57% and may now represent a bargain investment opportunity. A 57% stock price decline creates moderate potential for altered investor sentiment and valuation reassessment.

6 Aug

3 , 10:00 AM
Qfin Holdings Inc. - Sponsored ADR (QFIN) is projected to exceed earnings estimates, prompting questions on whether to purchase the stock. Expected earnings beat may moderately influence QFIN stock price and near-term investor sentiment without signaling major strategic shifts.

17 Jun

3 transcript , 6:26 PM
Qfin Holdings Inc (QFIN) reported Q1 2026 earnings and outlined strategies for navigating ongoing market challenges. Q1 2026 earnings details may influence near-term investor sentiment and stock trajectory without indicating major strategic shifts.

2 Jun

4 Simply Wall St., 1:07 AM
Qfin Holdings reports profit surge highlighting valuation gap and regulatory resilience for QFIN. Profit surge signals strong performance likely to shift valuation and investor outlook for QFIN.

31 May

4 Insider Monkey, 11:02 PM
QFIN stock surged 38% this week as profits skyrocketed. Skyrocketing profits triggered 38% weekly stock surge signaling strong earnings growth that could boost future valuation.

28 May

4 Insider Monkey, 12:49 AM
Qfin Holdings Inc. - Sponsored ADR (QFIN) shares surged 25% after reporting strong first-quarter results. Stellar Q1 performance triggered a 25% stock surge indicating major positive effects on market trajectory.

27 May

4 www.fool.com, 2:18 PM
QFIN stock surges sharply on positive developments boosting investor sentiment and share price. Stock surge signals major positive events with strong potential to alter near-term performance and sentiment.

26 May

4 www.marketbeat.com, 10:03 PM
Qfin Holdings reported Q1 earnings highlights covering financial results, operational metrics, and management commentary on performance. Q1 earnings details can drive material shifts in QFIN valuation and investor positioning.

3 transcript www.fool.com, 10:15 PM
Qfin (QFIN) released its Q1 2026 earnings call transcript covering financial results, operational updates, and management commentary on future prospects. Q1 2026 earnings details and outlook can moderately affect stock performance and market perception.

3 Zacks, 7:15 PM
Qfin Holdings Inc. Sponsored ADR (QFIN) Q1 earnings and revenues surpassed estimates. Q1 earnings and revenue beats can moderately lift QFIN stock performance and sentiment.

3 GlobeNewswire, 6:00 PM
Qfin Holdings Inc. released unaudited financial results for the first quarter of 2026. Quarterly results release delivers performance metrics that can shift near-term investor sentiment and trading activity for QFIN.

25 May

4 transcript www.fool.com, 3:16 PM
Qfin Holdings Inc. released its Q3 2025 earnings call transcript covering quarterly financial results, business updates and management commentary on performance and outlook. Q3 2025 earnings results and forward guidance directly shape investor views on revenue, profitability and growth trajectory.

11 May

3 Zacks, 10:00 AM
Qfin Holdings Inc. - Sponsored ADR (QFIN) Q1 earnings expected to decline. Expected Q1 earnings decline signals potential pressure on financial performance and investor sentiment.

3 May

3 Simply Wall St., 10:09 AM
Qfin Holdings (QFIN) sees its investment narrative shifting after analysts cut price targets, with capital return initiatives like buybacks and dividends countering negativity and boosting shareholder appeal. Analyst price target cuts create moderate short-term sentiment pressure, offset by capital returns that support valuation and investor confidence.

1 Apr

4 Insider Monkey, 3:49 PM
Qfin Holdings Inc. (QFIN) announces a strategic plan to navigate and survive challenges in the financial services industry. QFIN's announced survival plan constitutes a major strategic initiative amid industry headwinds, poised to significantly shape its competitive position and market performance.

18 Mar

4 www.marketbeat.com, 5:47 PM
Qfin Holdings Inc. (QFIN) released highlights from its Q4 earnings call, detailing financial results, growth metrics, and forward guidance. Q4 earnings call highlights disclose critical financial outcomes and strategic directions that significantly influence stock performance and investor confidence.

4 GuruFocus.com, 3:00 AM
Qfin Holdings Inc. (QFIN) Q4 2025 earnings call highlights navigating challenges while seizing opportunities amid key financial updates and strategic outlook. QFIN's Q4 2025 earnings highlights address challenges and opportunities, signaling major strategic shifts with significant impact on future performance and investor sentiment.

3 Simply Wall St., 5:06 PM
Qfin Holdings raises cash returns to shareholders and accelerates overseas expansion amid ongoing regulatory risks in China and concerns over elevated valuations. Increased cash returns and overseas growth potential are offset by regulatory risks and high valuations, resulting in moderate overall impact.

17 Mar

4 GlobeNewswire, 6:00 PM
Qfin Holdings announced unaudited fourth quarter and full year 2025 financial results, highlighting key performance metrics, and raised its semi-annual dividend. Earnings release with dividend increase signals strong financial health and positively influences investor sentiment and stock trajectory.

3 Zacks, 7:10 PM
Qfin Holdings Inc. - Sponsored ADR (QFIN) missed Q4 earnings and revenue estimates. Missing Q4 earnings and revenue estimates moderately impacts QFIN's financial performance and investor sentiment.

4 Mar

4 Simply Wall St., 7:11 AM
Qfin Holdings (QFIN) valuation reviewed amid AI platform shift and capital returns drawing fresh investor attention. AI platform shift and capital returns represent major strategic enhancements poised to alter QFIN's trajectory and boost market performance.

9 Feb

3 Simply Wall St., 6:32 AM
Qfin Holdings Inc. is highlighted alongside two other leading dividend stocks as potential investment options. The article emphasizes the importance of dividend-paying stocks in a diversified portfolio, particularly in uncertain market conditions. Qfin's financial performance and dividend yield are discussed, suggesting it may be a favorable choice for income-focused investors. Qfin's inclusion as a leading dividend stock indicates a moderately noticeable influence on its market performance and investor sentiment.

8 Feb

3 Simply Wall St., 7:22 AM
Qfin Holdings Inc. (NASDAQ: QFIN) has seen its shareholders experience losses over the past year, despite the company reporting growth in underlying earnings. This discrepancy highlights a potential disconnect between market performance and the company's financial health. The growth in underlying earnings suggests a moderately noticeable influence on financial performance, but shareholder losses indicate other factors at play.

30 Jan

4 Insider Monkey, 9:47 AM
Morgan Stanley has reaffirmed its 'Buy' rating on Qfin Holdings Inc. (QFIN), indicating confidence in the company's growth potential and market position. The investment firm believes that QFIN's business model and financial performance will continue to attract investor interest, despite broader market fluctuations. Analysts suggest that QFIN is well-positioned to capitalize on emerging opportunities in the financial technology sector, which could enhance its competitive edge and drive future growth. Morgan Stanley's endorsement signals significant confidence in QFIN's strategic direction and market potential.

29 Dec

3 Simply Wall St., 6:31 AM
Qfin Holdings Inc. - Sponsored ADR (QFIN) is highlighted as a top dividend stock for December 2025, attracting attention for its potential to provide reliable income to investors. The company is noted for its strong financial performance and commitment to returning value to shareholders through dividends. Analysts suggest that QFIN's strategic initiatives and market positioning may enhance its appeal among dividend-focused investors, especially in a fluctuating economic environment. QFIN's dividend appeal and financial performance may moderately influence investor sentiment and market positioning.
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