19.57 USD
+0.83 (+4.43%)
19.4 USD
-0.17 (-0.87%)
Overall QFIN gets a fundamental rating of 7 out of 10. We evaluated QFIN against 55 industry peers in the Consumer Finance industry. QFIN scores excellent points on both the profitability and health parts. This is a solid base for a good stock. QFIN may be a bit undervalued, certainly considering the very reasonable score on growth These ratings could make QFIN a good candidate for value and quality investing.
1. Profitability
1.1 Basic Checks
QFIN had positive earnings in the past year.
In the past year QFIN had a positive cash flow from operations.
Each year in the past 5 years QFIN has been profitable.
Each year in the past 5 years QFIN had a positive operating cash flow.
1.2 Ratios
QFIN has a better Return On Assets (12.14%) than 90.91% of its industry peers.
With an excellent Return On Equity value of 30.15%, QFIN belongs to the best of the industry, outperforming 90.91% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 14.53%, QFIN belongs to the top of the industry, outperforming 87.27% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for QFIN 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 has a better Profit Margin (38.67%) than 94.55% of its industry peers.
QFIN's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 44.19%, QFIN belongs to the top of the industry, outperforming 94.55% of the companies in the same industry.
QFIN's Operating Margin has improved in the last couple of years.
QFIN has a better Gross Margin (84.34%) than 80.00% of its industry peers.
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
With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), QFIN 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.
The debt/assets ratio for QFIN is higher compared to a year ago.
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 Debt to FCF ratio of 0.58. This is amongst the best in the industry. QFIN outperforms 94.55% of its industry peers.
QFIN has a Debt/Equity ratio of 0.26. This is a healthy value indicating a solid balance between debt and equity.
QFIN has a Debt to Equity ratio of 0.26. This is amongst the best in the industry. QFIN outperforms 81.82% of its industry peers.
| 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.
QFIN has a Quick Ratio of 3.48. This indicates that QFIN is financially healthy and has no problem in meeting its short term obligations.
With a decent Quick ratio value of 3.48, QFIN is doing good in the industry, outperforming 80.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.48 | ||
| Quick Ratio | 3.48 |
3. Growth
3.1 Past
QFIN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 43.98%, which is quite impressive.
The Earnings Per Share has been growing by 19.96% on average over the past years. This is quite good.
QFIN shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 14.06%.
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
The Earnings Per Share is expected to grow by 1.81% on average over the next years.
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 2.65, the valuation of QFIN can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of QFIN indicates a rather cheap valuation: QFIN is cheaper than 90.91% of the companies listed in the same industry.
QFIN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.49.
With a Price/Forward Earnings ratio of 3.58, the valuation of QFIN can be described as very cheap.
QFIN's Price/Forward Earnings ratio is rather cheap when compared to the industry. QFIN is cheaper than 90.91% of the companies in the same industry.
QFIN is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.69, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.65 | ||
| Fwd PE | 3.58 |
4.2 Price Multiples
QFIN's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. QFIN is cheaper than 90.91% of the companies in the same industry.
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 | 1.79 | ||
| 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.
QFIN has an outstanding profitability rating, which may justify a higher PE ratio.
PEG (NY)0.34
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.
In the last 3 months the price of QFIN has falen by -31.98%. 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 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.
The dividend of QFIN decreased 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%
19.57
+0.83 (+4.43%)
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 Cap2.75B
Revenue(TTM)19.59B
Net Income(TTM)7.25B
Analysts85.26
Price Target37.42 (91.21%)
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 | 2.65 | ||
| Fwd PE | 3.58 | ||
| P/S | 1.03 | ||
| P/FCF | 1.79 | ||
| P/OCF | 1.79 | ||
| P/B | 0.81 | ||
| P/tB | 0.84 | ||
| EV/EBITDA | 1.1 |
EPS(TTM)7.38
EY37.71%
EPS(NY)5.47
Fwd EY27.96%
FCF(TTM)10.94
FCFY55.89%
OCF(TTM)10.94
OCFY55.89%
SpS18.91
BVpS24.25
TBVpS23.24
PEG (NY)0.34
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 2.65 and the Price/Book (PB) ratio is 0.81.