19.31 USD
-0.26 (-1.33%)
We assign a fundamental rating of 7 out of 10 to QFIN. QFIN was compared to 55 industry peers in the Consumer Finance industry. QFIN has outstanding health and profitabily ratings, belonging to the best of the industry. This is a solid base for any company. QFIN scores decently on growth, while it is valued quite cheap. This could make an interesting combination. These ratings could make QFIN a good candidate for value and quality investing.
1. Profitability
1.1 Basic Checks
In the past year QFIN was profitable.
QFIN had a positive operating cash flow in the past year.
QFIN had positive earnings in each of the past 5 years.
In the past 5 years QFIN always reported a positive cash flow from operatings.
1.2 Ratios
With an excellent Return On Assets value of 12.14%, QFIN belongs to the best of the industry, outperforming 90.91% of the companies in the same industry.
Looking at the Return On Equity, with a value of 30.15%, QFIN belongs to the top of the industry, outperforming 90.91% of the companies in the same industry.
QFIN has a better Return On Invested Capital (14.53%) than 87.27% of its industry peers.
QFIN had an Average Return On Invested Capital over the past 3 years of 16.14%. This is above the industry average of 12.59%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 12.14% | ||
| ROE | 30.15% | ||
| ROIC | 14.53% |
ROA(3y)10.78%
ROA(5y)12.79%
ROE(3y)22.26%
ROE(5y)28.34%
ROIC(3y)16.14%
ROIC(5y)20.6%
1.3 Margins
QFIN's Profit Margin of 38.67% is amongst the best of the industry. QFIN outperforms 94.55% of its industry peers.
In the last couple of years the Profit Margin of QFIN has grown nicely.
QFIN has a better Operating Margin (44.19%) than 94.55% of its industry peers.
QFIN's Operating Margin has improved in the last couple of years.
With a decent Gross Margin value of 84.34%, QFIN is doing good in the industry, outperforming 80.00% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | 44.19% | ||
| PM (TTM) | 38.67% | ||
| GM | 84.34% |
OM growth 3Y2.45%
OM growth 5Y6.92%
PM growth 3Y1.64%
PM growth 5Y6.1%
GM growth 3Y-1.31%
GM growth 5Y-1.19%
2. Health
2.1 Basic Checks
QFIN has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
QFIN has less shares outstanding than it did 1 year ago.
The number of shares outstanding for QFIN has been reduced compared to 5 years ago.
QFIN has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of QFIN is 0.58, which is an excellent value as it means it would take QFIN, only 0.58 years of fcf income to pay off all of its debts.
QFIN has a better Debt to FCF ratio (0.58) than 94.55% of its industry peers.
A Debt/Equity ratio of 0.26 indicates that QFIN is not too dependend on debt financing.
With an excellent Debt to Equity ratio value of 0.26, QFIN belongs to the best of the industry, outperforming 81.82% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 0.58 | ||
| Altman-Z | N/A |
ROIC/WACC1.88
WACC7.74%
2.3 Liquidity
A Current Ratio of 3.48 indicates that QFIN has no problem at all paying its short term obligations.
QFIN's Current ratio of 3.48 is fine compared to the rest of the industry. QFIN outperforms 80.00% of its industry peers.
A Quick Ratio of 3.48 indicates that QFIN has no problem at all paying its short term obligations.
QFIN has a better Quick ratio (3.48) than 80.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.48 | ||
| Quick Ratio | 3.48 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 43.98% over the past year.
Measured over the past years, QFIN shows a quite strong growth in Earnings Per Share. The EPS has been growing by 19.96% on average per year.
Looking at the last year, QFIN shows a quite strong growth in Revenue. The Revenue has grown by 14.06% in the last year.
The Revenue has been growing by 13.24% on average over the past years. This is quite good.
EPS 1Y (TTM)43.98%
EPS 3Y4.38%
EPS 5Y19.96%
EPS Q2Q%-8.02%
Revenue 1Y (TTM)14.06%
Revenue growth 3Y1.05%
Revenue growth 5Y13.24%
Sales Q2Q%19.12%
3.2 Future
Based on estimates for the next years, QFIN will show a small growth in Earnings Per Share. The EPS will grow by 1.81% on average per year.
QFIN is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.48% yearly.
EPS Next Y7.88%
EPS Next 2Y-4.87%
EPS Next 3Y1.81%
EPS Next 5YN/A
Revenue Next Year16.41%
Revenue Next 2Y1.01%
Revenue Next 3Y2.68%
Revenue Next 5Y8.48%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 2.62, which indicates a rather cheap valuation of QFIN.
Based on the Price/Earnings ratio, QFIN is valued cheaply inside the industry as 90.91% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 26.49. QFIN is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 3.53, the valuation of QFIN can be described as very cheap.
90.91% of the companies in the same industry are more expensive than QFIN, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.69, QFIN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.62 | ||
| Fwd PE | 3.53 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, QFIN is valued cheaply inside the industry as 90.91% of the companies are valued more expensively.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of QFIN indicates a rather cheap valuation: QFIN is cheaper than 87.27% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.77 | ||
| EV/EBITDA | 1.1 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
The excellent profitability rating of QFIN may justify a higher PE ratio.
PEG (NY)0.33
PEG (5Y)0.13
EPS Next 2Y-4.87%
EPS Next 3Y1.81%
5. Dividend
5.1 Amount
QFIN has a Yearly Dividend Yield of 7.68%, which is a nice return.
The stock price of QFIN dropped by -31.98% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
QFIN's Dividend Yield is rather good when compared to the industry average which is at 5.09. QFIN pays more dividend than 90.91% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.31, QFIN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.68% |
5.2 History
QFIN has been paying a dividend for over 5 years, so it has already some track record.
QFIN has decreased its dividend recently.
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
DPN/A
EPS Next 2Y-4.87%
EPS Next 3Y1.81%
NASDAQ:QFIN (12/8/2025, 11:43:08 AM)
19.31
-0.26 (-1.33%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners76.76%
Inst Owner Change-7.88%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap2.71B
Revenue(TTM)19.59B
Net Income(TTM)7.25B
Analysts85.26
Price Target37.42 (93.79%)
Short Float %6.22%
Short Ratio2.07
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.68% |
Yearly Dividend1.13
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years1
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.59%
Min EPS beat(2)1.23%
Max EPS beat(2)5.95%
EPS beat(4)4
Avg EPS beat(4)9.4%
Min EPS beat(4)1.23%
Max EPS beat(4)20.96%
EPS beat(8)7
Avg EPS beat(8)9.43%
EPS beat(12)7
Avg EPS beat(12)4.39%
EPS beat(16)10
Avg EPS beat(16)5.49%
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
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)-25.79%
PT rev (3m)-28.87%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-9.3%
EPS NY rev (1m)-12.9%
EPS NY rev (3m)-13.94%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.12%
Revenue NY rev (1m)0.24%
Revenue NY rev (3m)1.69%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.62 | ||
| Fwd PE | 3.53 | ||
| P/S | 1.02 | ||
| P/FCF | 1.77 | ||
| P/OCF | 1.77 | ||
| P/B | 0.8 | ||
| P/tB | 0.83 | ||
| EV/EBITDA | 1.1 |
EPS(TTM)7.38
EY38.22%
EPS(NY)5.47
Fwd EY28.34%
FCF(TTM)10.94
FCFY56.64%
OCF(TTM)10.94
OCFY56.64%
SpS18.91
BVpS24.25
TBVpS23.24
PEG (NY)0.33
PEG (5Y)0.13
Graham Number63.46
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 12.14% | ||
| ROE | 30.15% | ||
| ROCE | 18.76% | ||
| ROIC | 14.53% | ||
| ROICexc | 18.71% | ||
| ROICexgc | 19.25% | ||
| OM | 44.19% | ||
| PM (TTM) | 38.67% | ||
| GM | 84.34% | ||
| FCFM | 57.84% |
ROA(3y)10.78%
ROA(5y)12.79%
ROE(3y)22.26%
ROE(5y)28.34%
ROIC(3y)16.14%
ROIC(5y)20.6%
ROICexc(3y)21.28%
ROICexc(5y)29.69%
ROICexgc(3y)21.66%
ROICexgc(5y)30.56%
ROCE(3y)20.75%
ROCE(5y)26.35%
ROICexgc growth 3Y-15.46%
ROICexgc growth 5Y-0.3%
ROICexc growth 3Y-14.46%
ROICexc growth 5Y-1.13%
OM growth 3Y2.45%
OM growth 5Y6.92%
PM growth 3Y1.64%
PM growth 5Y6.1%
GM growth 3Y-1.31%
GM growth 5Y-1.19%
F-Score6
Asset Turnover0.31
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 0.58 | ||
| Debt/EBITDA | 0.76 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 129.72% | ||
| Profit Quality | 149.59% | ||
| Current Ratio | 3.48 | ||
| Quick Ratio | 3.48 | ||
| Altman-Z | N/A |
F-Score6
WACC7.74%
ROIC/WACC1.88
Cap/Depr(3y)135.39%
Cap/Depr(5y)97.38%
Cap/Sales(3y)0.6%
Cap/Sales(5y)0.41%
Profit Quality(3y)152.19%
Profit Quality(5y)141.63%
High Growth Momentum
Growth
EPS 1Y (TTM)43.98%
EPS 3Y4.38%
EPS 5Y19.96%
EPS Q2Q%-8.02%
EPS Next Y7.88%
EPS Next 2Y-4.87%
EPS Next 3Y1.81%
EPS Next 5YN/A
Revenue 1Y (TTM)14.06%
Revenue growth 3Y1.05%
Revenue growth 5Y13.24%
Sales Q2Q%19.12%
Revenue Next Year16.41%
Revenue Next 2Y1.01%
Revenue Next 3Y2.68%
Revenue Next 5Y8.48%
EBIT growth 1Y37.77%
EBIT growth 3Y3.52%
EBIT growth 5Y21.07%
EBIT Next Year8.28%
EBIT Next 3Y8.21%
EBIT Next 5Y8.32%
FCF growth 1Y57.09%
FCF growth 3Y16.75%
FCF growth 5Y25.49%
OCF growth 1Y57.09%
OCF growth 3Y17.3%
OCF growth 5Y25.74%
QFIN HOLDINGS INC-ADR / QFIN FAQ
What is the fundamental rating for QFIN stock?
ChartMill assigns a fundamental rating of 7 / 10 to QFIN.
What is the valuation status for QFIN stock?
ChartMill assigns a valuation rating of 9 / 10 to QFIN HOLDINGS INC-ADR (QFIN). This can be considered as Undervalued.
Can you provide the profitability details for QFIN HOLDINGS INC-ADR?
QFIN HOLDINGS INC-ADR (QFIN) has a profitability rating of 8 / 10.
Can you provide the PE and PB ratios for QFIN stock?
The Price/Earnings (PE) ratio for QFIN HOLDINGS INC-ADR (QFIN) is 2.62 and the Price/Book (PB) ratio is 0.8.