QFIN HOLDINGS INC-ADR (QFIN) Fundamental Analysis & Valuation

NASDAQ:QFIN • US88557W1018

Current stock price

13.75 USD
+0.24 (+1.78%)
At close:
13.77 USD
+0.02 (+0.15%)
Pre-Market:

This QFIN fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

8

1. QFIN Profitability Analysis

1.1 Basic Checks

  • QFIN had positive earnings in the past year.
  • QFIN had a positive operating cash flow in the past year.
  • Each year in the past 5 years QFIN has been profitable.
  • QFIN had a positive operating cash flow in 4 of the past 5 years.
QFIN Yearly Net Income VS EBIT VS OCF VS FCFQFIN Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B 4B 6B 8B

1.2 Ratios

  • QFIN's Return On Assets of 11.21% is amongst the best of the industry. QFIN outperforms 90.74% of its industry peers.
  • QFIN has a Return On Equity of 28.39%. This is amongst the best in the industry. QFIN outperforms 81.48% of its industry peers.
  • QFIN has a Return On Invested Capital of 14.01%. This is amongst the best in the industry. QFIN outperforms 87.04% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for QFIN is significantly above the industry average of 9.87%.
Industry RankSector Rank
ROA 11.21%
ROE 28.39%
ROIC 14.01%
ROA(3y)10.96%
ROA(5y)12.02%
ROE(3y)23.42%
ROE(5y)25.93%
ROIC(3y)15.85%
ROIC(5y)18.03%
QFIN Yearly ROA, ROE, ROICQFIN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50 100

1.3 Margins

  • QFIN has a better Profit Margin (35.15%) than 88.89% of its industry peers.
  • QFIN's Profit Margin has improved in the last couple of years.
  • QFIN has a Operating Margin of 39.30%. This is amongst the best in the industry. QFIN outperforms 92.59% of its industry peers.
  • In the last couple of years the Operating Margin of QFIN has grown nicely.
  • With a decent Gross Margin value of 84.74%, QFIN is doing good in the industry, outperforming 79.63% of the companies in the same industry.
  • In the last couple of years the Gross Margin of QFIN has remained more or less at the same level.
Industry RankSector Rank
OM 39.3%
PM (TTM) 35.15%
GM 84.74%
OM growth 3Y8.78%
OM growth 5Y4.47%
PM growth 3Y8.66%
PM growth 5Y3.88%
GM growth 3Y-0.5%
GM growth 5Y-0.88%
QFIN Yearly Profit, Operating, Gross MarginsQFIN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 40 -40 60 80

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

6

2. QFIN Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so QFIN is creating value.
  • QFIN has a worse debt/assets ratio than last year.
QFIN Yearly Shares OutstandingQFIN Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M
QFIN Yearly Total Debt VS Total AssetsQFIN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B 40B 50B

2.2 Solvency

  • QFIN has a debt to FCF ratio of 0.58. This is a very positive value and a sign of high solvency as it would only need 0.58 years to pay back of all of its debts.
  • The Debt to FCF ratio of QFIN (0.58) is better than 92.59% of its industry peers.
  • A Debt/Equity ratio of 0.26 indicates that QFIN is not too dependend on debt financing.
  • QFIN has a Debt to Equity ratio of 0.26. This is in the better half of the industry: QFIN outperforms 77.78% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 0.58
Altman-Z N/A
ROIC/WACC2.61
WACC5.37%
QFIN Yearly LT Debt VS Equity VS FCFQFIN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B 10B 15B 20B

2.3 Liquidity

  • QFIN has a Current Ratio of 2.94. This indicates that QFIN is financially healthy and has no problem in meeting its short term obligations.
  • QFIN's Current ratio of 2.94 is fine compared to the rest of the industry. QFIN outperforms 77.78% of its industry peers.
  • A Quick Ratio of 2.94 indicates that QFIN has no problem at all paying its short term obligations.
  • Looking at the Quick ratio, with a value of 2.94, QFIN is in the better half of the industry, outperforming 77.78% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 2.94
Quick Ratio 2.94
QFIN Yearly Current Assets VS Current LiabilitesQFIN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B 40B

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. QFIN Growth Analysis

3.1 Past

  • QFIN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.14%, which is quite good.
  • Measured over the past years, QFIN shows a quite strong growth in Earnings Per Share. The EPS has been growing by 13.44% on average per year.
  • QFIN shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.88%.
  • QFIN shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.20% yearly.
EPS 1Y (TTM)8.14%
EPS 3Y20.72%
EPS 5Y13.44%
EPS Q2Q%-43.55%
Revenue 1Y (TTM)11.88%
Revenue growth 3Y5.08%
Revenue growth 5Y7.2%
Sales Q2Q%-10.1%

3.2 Future

  • The Earnings Per Share is expected to decrease by -7.35% on average over the next years.
  • QFIN is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -7.88% yearly.
EPS Next Y-23.88%
EPS Next 2Y-7.35%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-24.54%
Revenue Next 2Y-13.14%
Revenue Next 3Y-7.88%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
QFIN Yearly Revenue VS EstimatesQFIN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5B 10B 15B
QFIN Yearly EPS VS EstimatesQFIN Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 10 20 30 40

More info and screens

Find the best growth stocksShow best growing peers

7

4. QFIN Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 2.03, which indicates a rather cheap valuation of QFIN.
  • 88.89% of the companies in the same industry are more expensive than QFIN, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of QFIN to the average of the S&P500 Index (26.91), we can say QFIN is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 2.67, the valuation of QFIN can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, QFIN is valued cheaper than 96.30% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 23.68. QFIN is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 2.03
Fwd PE 2.67
QFIN Price Earnings VS Forward Price EarningsQFIN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, QFIN is valued cheaply inside the industry as 87.04% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 1.2
EV/EBITDA N/A
QFIN Per share dataQFIN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

  • QFIN has an outstanding profitability rating, which may justify a higher PE ratio.
  • A cheap valuation may be justified as QFIN's earnings are expected to decrease with -7.35% in the coming years.
PEG (NY)N/A
PEG (5Y)0.15
EPS Next 2Y-7.35%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. QFIN Dividend Analysis

5.1 Amount

  • QFIN has a Yearly Dividend Yield of 11.90%, which is a nice return.
  • In the last 3 months the price of QFIN has falen by -21.43%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
  • QFIN's Dividend Yield is rather good when compared to the industry average which is at 3.23. QFIN pays more dividend than 96.30% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.89, QFIN pays a better dividend.
Industry RankSector Rank
Dividend Yield 11.9%

5.2 History

  • QFIN has been paying a dividend for over 5 years, so it has already some track record.
  • The dividend of QFIN decreased in the last 3 years.
Dividend Growth(5Y)N/A
Div Incr Years2
Div Non Decr Years2
QFIN Yearly Dividends per shareQFIN Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 2026 0.5 1

5.3 Sustainability

DPN/A
EPS Next 2Y-7.35%
EPS Next 3YN/A
QFIN Yearly Income VS Free CF VS DividendQFIN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B 4B 6B 8B

More info and screens

Find the best dividend stocksShow peers with best dividend

QFIN Fundamentals: All Metrics, Ratios and Statistics

QFIN HOLDINGS INC-ADR

NASDAQ:QFIN (4/9/2026, 8:00:02 PM)

Premarket: 13.77 +0.02 (+0.15%)

13.75

+0.24 (+1.78%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)03-17
Earnings (Next)05-18
Inst Owners68.09%
Inst Owner Change0%
Ins OwnersN/A
Ins Owner Change0%
Market Cap1.93B
Revenue(TTM)19.21B
Net Income(TTM)6.89B
Analysts85.26
Price Target32.08 (133.31%)
Short Float %3.32%
Short Ratio1.37
Dividend
Industry RankSector Rank
Dividend Yield 11.9%
Yearly Dividend1.14
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years2
Div Non Decr Years2
Ex-Date04-22
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-2.19%
Min EPS beat(2)-5.62%
Max EPS beat(2)1.23%
EPS beat(4)3
Avg EPS beat(4)2.76%
Min EPS beat(4)-5.62%
Max EPS beat(4)9.46%
EPS beat(8)6
Avg EPS beat(8)7.57%
EPS beat(12)7
Avg EPS beat(12)3.97%
EPS beat(16)9
Avg EPS beat(16)4.12%
Revenue beat(2)2
Avg Revenue beat(2)7.02%
Min Revenue beat(2)2.39%
Max Revenue beat(2)11.64%
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-13.99%
PT rev (3m)-14.29%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-7.45%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-14.22%
Revenue NY rev (1m)-11.61%
Revenue NY rev (3m)-14.93%
Valuation
Industry RankSector Rank
PE 2.03
Fwd PE 2.67
P/S 0.67
P/FCF 1.2
P/OCF 1.2
P/B 0.54
P/tB 0.57
EV/EBITDA N/A
EPS(TTM)6.76
EY49.16%
EPS(NY)5.15
Fwd EY37.45%
FCF(TTM)11.45
FCFY83.27%
OCF(TTM)11.45
OCFY83.27%
SpS20.43
BVpS25.29
TBVpS24.22
PEG (NY)N/A
PEG (5Y)0.15
Graham Number62.03
Profitability
Industry RankSector Rank
ROA 11.21%
ROE 28.39%
ROCE 18.11%
ROIC 14.01%
ROICexc 18.64%
ROICexgc 19.23%
OM 39.3%
PM (TTM) 35.15%
GM 84.74%
FCFM 56.04%
ROA(3y)10.96%
ROA(5y)12.02%
ROE(3y)23.42%
ROE(5y)25.93%
ROIC(3y)15.85%
ROIC(5y)18.03%
ROICexc(3y)19.96%
ROICexc(5y)24.28%
ROICexgc(3y)20.55%
ROICexgc(5y)25.28%
ROCE(3y)20.52%
ROCE(5y)23.11%
ROICexgc growth 3Y-5.5%
ROICexgc growth 5Y-16.41%
ROICexc growth 3Y-6.56%
ROICexc growth 5Y-16.97%
OM growth 3Y8.78%
OM growth 5Y4.47%
PM growth 3Y8.66%
PM growth 5Y3.88%
GM growth 3Y-0.5%
GM growth 5Y-0.88%
F-Score5
Asset Turnover0.32
Health
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 0.58
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 250
Cash Conversion N/A
Profit Quality 159.44%
Current Ratio 2.94
Quick Ratio 2.94
Altman-Z N/A
F-Score5
WACC5.37%
ROIC/WACC2.61
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)8.14%
EPS 3Y20.72%
EPS 5Y13.44%
EPS Q2Q%-43.55%
EPS Next Y-23.88%
EPS Next 2Y-7.35%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11.88%
Revenue growth 3Y5.08%
Revenue growth 5Y7.2%
Sales Q2Q%-10.1%
Revenue Next Year-24.54%
Revenue Next 2Y-13.14%
Revenue Next 3Y-7.88%
Revenue Next 5YN/A
EBIT growth 1Y11.33%
EBIT growth 3Y14.3%
EBIT growth 5Y12%
EBIT Next Year30.72%
EBIT Next 3Y15.37%
EBIT Next 5YN/A
FCF growth 1Y27.03%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y27.03%
OCF growth 3YN/A
OCF growth 5YN/A

QFIN HOLDINGS INC-ADR / QFIN Fundamental Analysis FAQ

What is the fundamental rating for QFIN stock?

ChartMill assigns a fundamental rating of 6 / 10 to QFIN.


What is the valuation status of QFIN HOLDINGS INC-ADR (QFIN) stock?

ChartMill assigns a valuation rating of 7 / 10 to QFIN HOLDINGS INC-ADR (QFIN). This can be considered as Undervalued.


What is the profitability of QFIN stock?

QFIN HOLDINGS INC-ADR (QFIN) has a profitability rating of 8 / 10.


What is the financial health of QFIN HOLDINGS INC-ADR (QFIN) stock?

The financial health rating of QFIN HOLDINGS INC-ADR (QFIN) is 6 / 10.


Can you provide the expected EPS growth for QFIN stock?

The Earnings per Share (EPS) of QFIN HOLDINGS INC-ADR (QFIN) is expected to decline by -23.88% in the next year.