QFIN HOLDINGS INC-ADR (QFIN) Stock Fundamental Analysis
USA - NASDAQ:QFIN - US88557W1018 - ADR
29.665 USD
+0.88 (+3.08%)
QFIN gets a fundamental rating of 8 out of 10. The analysis compared the fundamentals 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
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
QFIN has a better Return On Assets (12.14%) than 90.91% of its industry peers.
QFIN has a Return On Equity of 30.15%. This is amongst the best in 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 significantly above the industry average of 11.02%.
| 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.
QFIN's Profit Margin has improved in the last couple of years.
With an excellent Operating Margin value of 44.19%, QFIN belongs to the best of the industry, outperforming 94.55% of the companies in the same industry.
In the last couple of years the Operating Margin of QFIN has grown nicely.
QFIN has a Gross Margin of 84.34%. This is in the better half of the industry: QFIN outperforms 78.18% 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) just above the Cost of Capital (WACC), QFIN is creating some value.
QFIN has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, QFIN has less shares outstanding
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.
The Debt to FCF ratio of QFIN (0.58) is better than 92.73% 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.
With an excellent Debt to Equity ratio value of 0.26, QFIN belongs to the best of the industry, outperforming 83.64% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 0.58 | ||
| Altman-Z | N/A |
ROIC/WACC1.59
WACC9.12%
2.3 Liquidity
A Current Ratio of 3.48 indicates that QFIN has no problem at all paying its short term obligations.
With an excellent Current ratio value of 3.48, QFIN belongs to the best of the industry, outperforming 81.82% of the companies in the same industry.
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.
QFIN has a better Quick ratio (3.48) than 83.64% of its industry peers.
| 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 71.02%, which is quite impressive.
QFIN shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 19.96% 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 5Y19.96%
EPS Q2Q%48.8%
Revenue 1Y (TTM)9.77%
Revenue growth 3Y1.05%
Revenue growth 5Y13.24%
Sales Q2Q%25.38%
3.2 Future
The Earnings Per Share is expected to grow by 16.80% on average over the next years. This is quite good.
The Revenue is expected to grow by 8.48% on average over the next years. This is quite good.
EPS Next Y24.23%
EPS Next 2Y18.68%
EPS Next 3Y16.8%
EPS Next 5YN/A
Revenue Next Year16.69%
Revenue Next 2Y11.35%
Revenue Next 3Y10.2%
Revenue Next 5Y8.48%
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
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
QFIN is valuated cheaply with a Price/Earnings ratio of 3.97.
Compared to the rest of the industry, the Price/Earnings ratio of QFIN indicates a rather cheap valuation: QFIN is cheaper than 94.55% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 27.76. QFIN is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 3.51, 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 92.73% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.18, QFIN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.97 | ||
| Fwd PE | 3.51 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of QFIN indicates a rather cheap valuation: QFIN is cheaper than 87.27% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, QFIN is valued cheaply inside the industry as 81.82% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.73 | ||
| EV/EBITDA | 2.21 |
4.3 Compensation for Growth
QFIN's 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.
QFIN's earnings are expected to grow with 16.80% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.16
PEG (5Y)0.2
EPS Next 2Y18.68%
EPS Next 3Y16.8%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.72%, QFIN is a good candidate for dividend investing.
In the last 3 months the price of QFIN has falen by -33.24%. 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 4.31, QFIN pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.41, QFIN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.72% |
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 2Y18.68%
EPS Next 3Y16.8%
NASDAQ:QFIN (10/1/2025, 3:24:56 PM)
29.665
+0.88 (+3.08%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners81.29%
Inst Owner Change-5.43%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap4.16B
Analysts86.32
Price Target52.45 (76.81%)
Short Float %7.37%
Short Ratio2.41
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.72% |
Yearly Dividend1.12
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)-0.31%
PT rev (3m)-3.73%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-0.9%
EPS NY rev (3m)-2.64%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)1.93%
Revenue NY rev (3m)6.06%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.97 | ||
| Fwd PE | 3.51 | ||
| P/S | 1.58 | ||
| P/FCF | 2.73 | ||
| P/OCF | 2.73 | ||
| P/B | 1.23 | ||
| P/tB | 1.29 | ||
| EV/EBITDA | 2.21 |
EPS(TTM)7.47
EY25.18%
EPS(NY)8.46
Fwd EY28.51%
FCF(TTM)10.86
FCFY36.62%
OCF(TTM)10.86
OCFY36.62%
SpS18.78
BVpS24.08
TBVpS23.08
PEG (NY)0.16
PEG (5Y)0.2
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%
ROICexcg growth 3Y-15.46%
ROICexcg 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 | 149.6% | ||
| Current Ratio | 3.48 | ||
| Quick Ratio | 3.48 | ||
| Altman-Z | N/A |
F-Score6
WACC9.12%
ROIC/WACC1.59
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)71.02%
EPS 3Y4.38%
EPS 5Y19.96%
EPS Q2Q%48.8%
EPS Next Y24.23%
EPS Next 2Y18.68%
EPS Next 3Y16.8%
EPS Next 5YN/A
Revenue 1Y (TTM)9.77%
Revenue growth 3Y1.05%
Revenue growth 5Y13.24%
Sales Q2Q%25.38%
Revenue Next Year16.69%
Revenue Next 2Y11.35%
Revenue Next 3Y10.2%
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 1Y57.1%
FCF growth 3Y16.75%
FCF growth 5Y25.49%
OCF growth 1Y57.1%
OCF growth 3Y17.3%
OCF growth 5Y25.74%