Qfin Holdings, Inc. (QFIN)

NASDAQ: QFIN · USD

$5.49

-0.19 (-3.4%)· Recorded snapshot

Market cap	666.9M
Revenue (ttm)	2.5B
Net income (ttm)	551.3M
EPS (ttm)	$4.32
Shares out	121.6M
P/E (trailing)	1.3x
P/E (forward)	2.1x
Dividend	$1.56 (28.60%)
Volume	2,097,629
Beta	0.56

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 2.5B
Net income (ttm): 551.3M
EPS (ttm): $4.32
P/E (trailing): 1.3x
P/E (forward): 2.1x
Market cap: 666.9M

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Zdecydowanie kupuj
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Zdecydowanie kupuj
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Trzymaj

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E2.1

P25 n/aP50 n/aP75 n/a

Trailing P/E1.3

P25 n/aP50 n/aP75 n/a

ROE15.3

P25 n/aP50 n/aP75 n/a

ROIC20

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All QFIN indicators

Market & fundamental data

Available fields

266

Groups with data

Currency

CNY

Showing 266 of 266 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0001741530
Company name	Qfin Holdings, Inc.
Country	China
Country code	US
CUSIP number	88557W101
Earnings date	2026-11-17
Earnings time	amc
Employees	3,557
Employees change	30
Employees growth	0.85%
Enterprise value	$187.2M
Exchange	NASDAQ
Financial currency	CNY
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	2016
Industry	Credit Services
IPO date	2018-12-14
Is primary listing	No
Is SPAC	No
ISIN number	US88557W1018
Last 10-K release date	2026-04-27
Last earnings date	2026-08-25
Last refreshed	2026-10-28
Last stock split type	Never
Market cap	$666.9M
Market cap category	Small-Cap
Next earnings date	2026-11-17
Options	Yes
Price	$5.49
Price currency	USD
Sector	Financials
SIC code	6199
Stock price date	2026-10-28
Symbol	QFIN
Website	https://www.qfin.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Average P/E ratio (10Y)	4.54x
Average P/E ratio (3Y)	4.67x
Average P/E ratio (5Y)	4.4x
Earnings yield	78.77%
EV/Earnings	0.33x
EV/EBIT	0.21x
EV/EBITDA	0.21x
EV/FCF	0.14x
EV/Sales	0.07x
FCF / EV yield	705.03%
FCF yield	194.65%
Forward EV/Sales	0.22x
Forward P/E	2.07x
Forward P/S	0.79x
Graham number	55.33134
Graham upside	915.25%
Industry forward P/E	19.82x
Industry P/E	22.96x
Lynch fair value	$22.67
Lynch upside	315.98%
P/(FCF - SBC) ratio	0.54x
P/(OCF - SBC) ratio	0.52x
P/B ratio	0.19x
P/E ratio	1.27x
P/FCF ratio	0.51x
P/OCF ratio	0.5x
P/S ratio	0.27x
Price / tangible book value	0.19x
Price/EBITDA ratio	0.75x
Sector forward P/E	13.63x
Sector P/E	15.65x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT margin	35.23%
EBITDA margin	35.62%
Effective tax rate	28.51%
FCF margin	51.26%
Gross margin	52.89%
Operating margin	35.23%
Pretax margin	31.1%
Profit margin	22.32%
Profit per employee	$154,986
Profitable quarters	31
Profitable years	7
Revenue per employee	$694,246
ROA	6.55%
ROA (5Y)	13.66%
ROCE	17.62%
ROE	15.26%
ROE (5Y)	28.54%
ROIC	20.01%
ROIC (5Y)	57.93%
SBC / revenue	2.26%
Tax / revenue	8.87%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	-41.96%
EPS growth (Q)	-74.3%
EPS growth (QoQ)	-54.19%
EPS growth 3Y	7.22%
EPS growth 5Y	-2.77%
EPS growth years	3
FCF growth	-19.63%
FCF growth (Q)	-58.62%
FCF growth (QoQ)	-48.26%
FCF growth 3Y	7.69%
Gross profit growth	-28.31%
Gross profit growth (Q)	-47.51%
Gross profit growth 3Y	-4.88%
Gross profit growth 5Y	-5.09%
Net income growth	-48.37%
Net income growth (Q)	-76.59%
Net income growth (QoQ)	-54.05%
Net income growth 3Y	-1.31%
Net income growth 5Y	-6.82%
Net income growth years	0
OCF growth	-18.55%
OCF growth (Q)	-58.62%
OCF growth (QoQ)	-48.26%
OCF growth 3Y	8.57%
Operating income growth	-35.92%
Operating income growth (Q)	-54.29%
Operating income growth 3Y	-8.95%
Operating income growth 5Y	-13.26%
Revenue growth	-10.58%
Revenue growth (Q)	-31.62%
Revenue growth (QoQ)	-8.77%
Revenue growth 3Y	2.53%
Revenue growth 5Y	2.76%
Revenue growth years	2

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-36.1M
Depreciation and amortization	$9.7M
EBIT	$870M
EBITDA	$879.5M
EPS	$4.32
FCF per share	$10.61
Financing cash flow	$-1.1B
Free cash flow	$1.3B
Free cash flow minus SBC	$1.2B
Gross profit	$1.3B
Income taxes	$218.9M
Investing cash flow	$-236.9M
Net borrowing	$460.6M
Net cash flow	$-78.3M
Net income	$551.3M
Operating cash flow minus SBC	$1.3B
Operating income	$870M
Revenue	$2.5B
Stock-based compensation	$55.7M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	$29.97
Debt / EBITDA	0.59
Debt / equity	0.14
Debt / FCF	0.41
Goodwill	$6.8M
Long-term assets	$1.5B
Long-term liabilities	$1.2B
Net cash (debt)	$479.7M
Net cash / market cap	72.39%
Net cash growth	-2.58%
Net debt / EBITDA	-0.55
Net debt / equity	-0.13
Net debt / FCF	-0.37
Piotroski F-Score	5
Property, plant and equipment	$96.1M
Shareholders' equity	$3.6B
Tangible book value	$3.5B
Tangible book value per share	$28.74
Total assets	$7.8B
Total cash	$1B
Total debt	$523.5M
Total liabilities	$4.2B
WACC	4.11%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.3
Current assets	$6.4B
Current liabilities	$2.9B
Current ratio	2.17
Net working capital	$2.7B
Quick ratio	0.37
Working capital	$3.4B
Working capital turnover	0.08

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	11.04%
Dividend growth	-15.07%
Dividend growth (3Y)	23.39%
Dividend growth years	2
Dividend payment date	2026-10-01
Dividend payment years	6
Dividend payout frequency	Semi-Annual
Dividend per share	$1.56
Dividend yield	28.6%
Ex-dividend date	2026-09-09
FCF payout ratio	11.69%
Last dividend	$0.46
Payout ratio	28.7%
Shareholder yield	39.66%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
150-day SMA	$11.71
1D price change	-3.43%
1M price change	-25.62%
1M total return	-25.62%
1W price change	-0.91%
1W total return	-0.91%
1Y price change	-78.16%
1Y return CAGR	-75.66%
1Y total return	-75.63%
20-day SMA	$5.86
200-day SMA	$12.58
3M price change	-59.96%
3M total return	-57.81%
3Y price change	-63.99%
3Y return CAGR	-23.85%
3Y total return	-55.84%
50-day SMA	$7.59
50-day SMA vs 200-day SMA	50under200
52-week high	$25.03
52-week high date	2025-10-31
52-week low	$5.23
52-week low date	2026-10-26
5Y price change	-75.43%
5Y return CAGR	-19.7%
5Y total return	-66.61%
6M price change	-59.17%
6M total return	-56.99%
All-time high	$48.94
All-time high date	2025-03-27
All-time low	$5.23
All-time low date	2026-10-23
Average true range (ATR)	$0.29
Average volume	2M
Beta (1Y)	1.48
Beta (2Y)	1.18
Beta (5Y)	0.56
Change from 52-week high	-78.09%
Change from 52-week low	4.88%
Change from all-time high	-88.9%
Change from all-time low	3.82%
Change from open	-4.11%
Day's gap	0.7%
Dollar volume	$11.5M
High price	$5.72
Low price	$5.35
Monthly RSI	27.67
Open price	$5.72
Position in 52-week range	36.49%
Premarket change	1.86%
Premarket close	$5.68
Premarket price	$5.79
Premarket volume	4.2K
Previous close	$5.68
Price vs 150-day SMA	-53.65%
Price vs 20-day SMA	-7.26%
Price vs 200-day SMA	-56.83%
Price vs 50-day SMA	-28.42%
Relative volume	1.05
RSI	27.84
Sharpe ratio	-2.18
Sharpe ratio (3Y)	-0.32
Sharpe ratio (5Y)	-0.11
Sortino ratio	-2.82
Sortino ratio (3Y)	-0.36
Sortino ratio (5Y)	-0.08
Volume	2.1M
Weekly RSI	24.35
YTD price change	-71.82%
YTD total return	-68.56%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	91.3M
Float percentage	75.12%
Shares change (QoQ)	0.31%
Shares change (YoY)	-11.04%
Shares held by insiders	19.44%
Shares held by institutions	62.35%
Shares outstanding	121.6M
Short % of shares	2.84%
Short ratio	1.3 days

Deeper analysis on QFIN

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this QFIN report

Is a complete QFIN research report available?

No complete published report is available for Qfin Holdings, Inc. (QFIN) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Qfin Holdings, Inc. (QFIN)

Price

Financial snapshot

Fair-value bridge

Latest news · QFIN

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All QFIN indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on QFIN

Frequently asked questions