QFIN HOLDINGS INC-ADR (QFIN) Stock Fundamental Analysis
USA - NASDAQ:QFIN - US88557W1018 - ADR
22.29 USD
-0.15 (-0.67%)
Overall QFIN gets a fundamental rating of 8 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 With these ratings, QFIN could be worth investigating further 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.
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's Return On Assets of 12.14% is amongst the best of the industry. QFIN outperforms 92.73% of its industry peers.
QFIN's Return On Equity of 30.15% is amongst the best of the industry. QFIN outperforms 90.91% of its industry peers.
With an excellent Return On Invested Capital value of 14.53%, QFIN belongs to the best of the industry, outperforming 87.27% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for QFIN is above the industry average of 11.61%.
| 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.
In the last couple of years the Profit Margin of QFIN has grown nicely.
QFIN's Operating Margin of 44.19% is amongst the best of the industry. QFIN outperforms 94.55% of its industry peers.
In the last couple of years the Operating Margin of QFIN has grown nicely.
QFIN has a better Gross Margin (84.34%) than 80.00% of its industry peers.
QFIN's Gross Margin has been stable in the last couple of years.
| 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.
QFIN has less shares outstanding than it did 5 years ago.
QFIN has a worse debt/assets ratio than last year.
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 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.
A Debt/Equity ratio of 0.26 indicates that QFIN is not too dependend on debt financing.
QFIN's Debt to Equity ratio of 0.26 is amongst the best of 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/WACC1.71
WACC8.49%
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 81.82% 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 an excellent Quick ratio value of 3.48, QFIN belongs to the best of the industry, outperforming 83.64% of the companies in the same industry.
| 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 71.02% over the past year.
QFIN shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 19.99% yearly.
QFIN shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.77%.
QFIN shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 13.24% yearly.
EPS 1Y (TTM)71.02%
EPS 3Y4.38%
EPS 5Y19.99%
EPS Q2Q%48.8%
Revenue 1Y (TTM)9.77%
Revenue growth 3Y1.05%
Revenue growth 5Y13.24%
Sales Q2Q%25.38%
3.2 Future
QFIN is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 16.28% yearly.
Based on estimates for the next years, QFIN will show a quite strong growth in Revenue. The Revenue will grow by 8.48% on average per year.
EPS Next Y23.87%
EPS Next 2Y17.89%
EPS Next 3Y16.28%
EPS Next 5YN/A
Revenue Next Year16.12%
Revenue Next 2Y11.09%
Revenue Next 3Y10.31%
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 stable.
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 2.98, the valuation of QFIN can be described as very cheap.
QFIN's Price/Earnings ratio is rather cheap when compared to the industry. QFIN is cheaper than 94.55% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 25.89. QFIN is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 2.66, the valuation of QFIN can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of QFIN indicates a rather cheap valuation: QFIN is cheaper than 98.18% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.59, QFIN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.98 | ||
| Fwd PE | 2.66 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, QFIN is valued cheaply inside the industry as 89.09% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, QFIN is valued a bit cheaper than 80.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.05 | ||
| EV/EBITDA | 1.45 |
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.
A more expensive valuation may be justified as QFIN's earnings are expected to grow with 16.28% in the coming years.
PEG (NY)0.12
PEG (5Y)0.15
EPS Next 2Y17.89%
EPS Next 3Y16.28%
5. Dividend
5.1 Amount
QFIN has a Yearly Dividend Yield of 6.18%, which is a nice return.
In the last 3 months the price of QFIN has falen by -29.77%. 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 4.70. QFIN pays more dividend than 87.27% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.44, QFIN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.18% |
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 2Y17.89%
EPS Next 3Y16.28%
NASDAQ:QFIN (11/17/2025, 11:52:58 AM)
22.29
-0.15 (-0.67%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners81.29%
Inst Owner Change-8.39%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap3.13B
Revenue(TTM)18.76B
Net Income(TTM)7.25B
Analysts86.32
Price Target50.43 (126.24%)
Short Float %7.71%
Short Ratio2.95
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.18% |
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)-2.59%
PT rev (3m)-7.44%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-9.3%
EPS NY rev (1m)-0.3%
EPS NY rev (3m)-2.36%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.3%
Revenue NY rev (3m)5.49%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.98 | ||
| Fwd PE | 2.66 | ||
| P/S | 1.18 | ||
| P/FCF | 2.05 | ||
| P/OCF | 2.05 | ||
| P/B | 0.92 | ||
| P/tB | 0.96 | ||
| EV/EBITDA | 1.45 |
EPS(TTM)7.49
EY33.6%
EPS(NY)8.37
Fwd EY37.56%
FCF(TTM)10.9
FCFY48.89%
OCF(TTM)10.9
OCFY48.89%
SpS18.84
BVpS24.16
TBVpS23.16
PEG (NY)0.12
PEG (5Y)0.15
Graham Number63.81
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)29.68%
ROICexgc(3y)21.66%
ROICexgc(5y)30.56%
ROCE(3y)20.75%
ROCE(5y)26.35%
ROICexgc growth 3Y-15.46%
ROICexgc growth 5Y-0.29%
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
WACC8.49%
ROIC/WACC1.71
Cap/Depr(3y)134.99%
Cap/Depr(5y)97.13%
Cap/Sales(3y)0.6%
Cap/Sales(5y)0.41%
Profit Quality(3y)152.2%
Profit Quality(5y)141.63%
High Growth Momentum
Growth
EPS 1Y (TTM)71.02%
EPS 3Y4.38%
EPS 5Y19.99%
EPS Q2Q%48.8%
EPS Next Y23.87%
EPS Next 2Y17.89%
EPS Next 3Y16.28%
EPS Next 5YN/A
Revenue 1Y (TTM)9.77%
Revenue growth 3Y1.05%
Revenue growth 5Y13.24%
Sales Q2Q%25.38%
Revenue Next Year16.12%
Revenue Next 2Y11.09%
Revenue Next 3Y10.31%
Revenue Next 5Y8.48%
EBIT growth 1Y37.76%
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 3Y16.74%
FCF growth 5Y25.49%
OCF growth 1Y57.09%
OCF growth 3Y17.29%
OCF growth 5Y25.73%
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 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 2.98 and the Price/Book (PB) ratio is 0.92.