16.715 USD
-0.05 (-0.27%)
Taking everything into account, QFIN scores 8 out of 10 in our fundamental rating. QFIN was compared to 54 industry peers in the Consumer Finance industry. QFIN gets an excellent profitability rating and is at the same time showing great financial health properties. QFIN is valued quite cheap, while showing a decent growth score. This is a good combination! These ratings would make QFIN suitable for value and quality investing!
1. Profitability
1.1 Basic Checks
- QFIN had positive earnings in the past year.
- 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
- QFIN's Return On Assets of 12.14% is amongst the best of the industry. QFIN outperforms 90.74% of its industry peers.
- Looking at the Return On Equity, with a value of 30.15%, QFIN belongs to the top of the industry, outperforming 90.74% of the companies in the same industry.
- QFIN's Return On Invested Capital of 14.53% is amongst the best of the industry. QFIN outperforms 87.04% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for QFIN is above the industry average of 12.42%.
| 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 94.44% of its industry peers.
- QFIN's Profit Margin has improved in the last couple of years.
- QFIN has a Operating Margin of 44.19%. This is amongst the best in the industry. QFIN outperforms 94.44% of its industry peers.
- In the last couple of years the Operating Margin of QFIN has grown nicely.
- Looking at the Gross Margin, with a value of 84.34%, QFIN belongs to the top of the industry, outperforming 81.48% 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.
- The debt/assets ratio for QFIN is higher compared to a year ago.
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.
- QFIN's Debt to FCF ratio of 0.58 is amongst the best of the industry. QFIN outperforms 94.44% of its industry peers.
- A Debt/Equity ratio of 0.26 indicates that QFIN is not too dependend on debt financing.
- Looking at the Debt to Equity ratio, with a value of 0.26, QFIN belongs to the top of the industry, outperforming 81.48% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 0.58 | ||
| Altman-Z | N/A |
ROIC/WACC2.5
WACC5.81%
2.3 Liquidity
- QFIN has a Current Ratio of 3.48. This indicates that QFIN is financially healthy and has no problem in meeting its short term obligations.
- QFIN has a better Current ratio (3.48) than 81.48% of its industry peers.
- A Quick Ratio of 3.48 indicates that QFIN has no problem at all paying its short term obligations.
- With an excellent Quick ratio value of 3.48, QFIN belongs to the best of the industry, outperforming 81.48% 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.
- Looking at the last year, QFIN shows a quite strong growth in Revenue. The Revenue has grown by 14.06% in the last year.
- Measured over the past years, QFIN shows a quite strong growth in Revenue. The Revenue has been growing by 13.24% on average per year.
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 0.75% 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 Y8.2%
EPS Next 2Y-5.69%
EPS Next 3Y0.75%
EPS Next 5YN/A
Revenue Next Year15.99%
Revenue Next 2Y0.36%
Revenue Next 3Y1.59%
Revenue Next 5Y8.48%
3.3 Evolution
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
- 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
- The Price/Earnings ratio is 2.23, which indicates a rather cheap valuation of QFIN.
- Based on the Price/Earnings ratio, QFIN is valued cheaply inside the industry as 92.59% of the companies are valued more expensively.
- The average S&P500 Price/Earnings ratio is at 27.38. QFIN is valued rather cheaply when compared to this.
- With a Price/Forward Earnings ratio of 3.06, the valuation of QFIN can be described as very cheap.
- 92.59% of the companies in the same industry are more expensive than QFIN, based on the Price/Forward Earnings ratio.
- QFIN is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.29, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.23 | ||
| Fwd PE | 3.06 |
4.2 Price Multiples
- QFIN's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. QFIN is cheaper than 94.44% of the companies in the same industry.
- QFIN's Price/Free Cash Flow ratio is rather cheap when compared to the industry. QFIN is cheaper than 88.89% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.51 | ||
| EV/EBITDA | 0.73 |
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)0.27
PEG (5Y)0.11
EPS Next 2Y-5.69%
EPS Next 3Y0.75%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 8.53%, QFIN is a good candidate for dividend investing.
- In the last 3 months the price of QFIN has falen by -33.52%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
- Compared to an average industry Dividend Yield of 2.58, QFIN pays a better dividend. On top of this QFIN pays more dividend than 90.74% of the companies listed in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.84, QFIN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.53% |
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-5.69%
EPS Next 3Y0.75%
NASDAQ:QFIN (1/20/2026, 10:09:47 AM)
16.715
-0.05 (-0.27%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-18 2025-11-18/amc
Earnings (Next)03-16 2026-03-16/amc
Inst Owners76.79%
Inst Owner Change0.05%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap2.35B
Revenue(TTM)19.59B
Net Income(TTM)7.25B
Analysts85.26
Price Target37.03 (121.54%)
Short Float %4.97%
Short Ratio1.83
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.53% |
Yearly Dividend1.15
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
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)-1.05%
PT rev (3m)-28.47%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0.3%
EPS NY rev (3m)-12.9%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-0.36%
Revenue NY rev (3m)-0.42%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.23 | ||
| Fwd PE | 3.06 | ||
| P/S | 0.87 | ||
| P/FCF | 1.51 | ||
| P/OCF | 1.51 | ||
| P/B | 0.68 | ||
| P/tB | 0.71 | ||
| EV/EBITDA | 0.73 |
EPS(TTM)7.49
EY44.81%
EPS(NY)5.46
Fwd EY32.67%
FCF(TTM)11.11
FCFY66.44%
OCF(TTM)11.11
OCFY66.44%
SpS19.2
BVpS24.62
TBVpS23.6
PEG (NY)0.27
PEG (5Y)0.11
Graham Number64.42
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
WACC5.81%
ROIC/WACC2.5
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 Y8.2%
EPS Next 2Y-5.69%
EPS Next 3Y0.75%
EPS Next 5YN/A
Revenue 1Y (TTM)14.06%
Revenue growth 3Y1.05%
Revenue growth 5Y13.24%
Sales Q2Q%19.12%
Revenue Next Year15.99%
Revenue Next 2Y0.36%
Revenue Next 3Y1.59%
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 8 / 10 to QFIN.
What is the valuation status of QFIN HOLDINGS INC-ADR (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 9 / 10.
How financially healthy is QFIN HOLDINGS INC-ADR?
The financial health rating of QFIN HOLDINGS INC-ADR (QFIN) is 8 / 10.