QFIN HOLDINGS INC-ADR (QFIN) Stock Fundamental Analysis

NASDAQ:QFIN • US88557W1018

15.39 USD
+0.83 (+5.7%)
At close: Mar 2, 2026
15.35 USD
-0.04 (-0.26%)
After Hours: 3/2/2026, 8:00:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

7

Taking everything into account, QFIN scores 7 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 may be a bit undervalued, certainly considering the very reasonable score on growth These ratings would make QFIN suitable for value and quality investing!


Dividend Valuation Growth Profitability Health

8

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.
  • In the past 5 years QFIN has always been profitable.
  • QFIN had a positive operating cash flow in each of the past 5 years.
QFIN Yearly Net Income VS EBIT VS OCF VS FCFQFIN Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B 8B

1.2 Ratios

  • The Return On Assets of QFIN (12.14%) is better than 92.59% of its industry peers.
  • The Return On Equity of QFIN (30.15%) is better than 90.74% of its industry peers.
  • 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 12.27%.
Industry RankSector 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%
QFIN Yearly ROA, ROE, ROICQFIN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50 100

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.
  • The Operating Margin of QFIN (44.19%) is better than 92.59% 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 is in the better half of the industry, outperforming 79.63% of the companies in the same industry.
  • QFIN's Gross Margin has been stable in the last couple of years.
Industry RankSector 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%
QFIN Yearly Profit, Operating, Gross MarginsQFIN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 -40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

7

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.
  • The number of shares outstanding for QFIN has been reduced compared to 1 year ago.
  • QFIN has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for QFIN is higher compared to a year ago.
QFIN Yearly Shares OutstandingQFIN Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M
QFIN Yearly Total Debt VS Total AssetsQFIN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B

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 better Debt to FCF ratio (0.58) than 92.59% 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 in the better half of the industry: QFIN outperforms 79.63% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 0.58
Altman-Z N/A
ROIC/WACC2.65
WACC5.48%
QFIN Yearly LT Debt VS Equity VS FCFQFIN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B 20B

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.
  • Looking at the Current ratio, with a value of 3.48, QFIN belongs to the top of the industry, outperforming 81.48% 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 83.33% of its industry peers.
Industry RankSector Rank
Current Ratio 3.48
Quick Ratio 3.48
QFIN Yearly Current Assets VS Current LiabilitesQFIN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

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.
  • The Revenue has grown by 14.06% in the past year. This is quite good.
  • 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)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 0.22% on average over the next years.
  • 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 Y8.24%
EPS Next 2Y-5.89%
EPS Next 3Y0.22%
EPS Next 5YN/A
Revenue Next Year15.99%
Revenue Next 2Y0.01%
Revenue Next 3Y0.79%
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.
QFIN Yearly Revenue VS EstimatesQFIN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5B 10B 15B 20B
QFIN Yearly EPS VS EstimatesQFIN Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 10 20 30 40

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Find the best growth stocksShow best growing peers

9

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 2.02 indicates a rather cheap valuation of QFIN.
  • Compared to the rest of the industry, the Price/Earnings ratio of QFIN indicates a rather cheap valuation: QFIN is cheaper than 92.59% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.13. QFIN is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 2.79, the valuation of QFIN can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, QFIN is valued cheaper than 98.15% of the companies in the same industry.
  • QFIN's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.11.
Industry RankSector Rank
PE 2.02
Fwd PE 2.79
QFIN Price Earnings VS Forward Price EarningsQFIN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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 94.44% of the companies listed in the same industry.
  • 88.89% of the companies in the same industry are more expensive than QFIN, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 1.36
EV/EBITDA 0.45
QFIN Per share dataQFIN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

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)0.25
PEG (5Y)0.1
EPS Next 2Y-5.89%
EPS Next 3Y0.22%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 9.66%, QFIN is a good candidate for dividend investing.
  • The stock price of QFIN dropped by -21.36% 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.
  • Compared to an average industry Dividend Yield of 2.83, QFIN pays a better dividend. On top of this QFIN pays more dividend than 94.44% of the companies listed in the same industry.
  • QFIN's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 9.66%

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
QFIN Yearly Dividends per shareQFIN Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 0.5 1

5.3 Sustainability

DPN/A
EPS Next 2Y-5.89%
EPS Next 3Y0.22%
QFIN Yearly Income VS Free CF VS DividendQFIN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B 8B

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Find the best dividend stocksShow peers with best dividend

QFIN HOLDINGS INC-ADR

NASDAQ:QFIN (3/2/2026, 8:00:00 PM)

After market: 15.35 -0.04 (-0.26%)

15.39

+0.83 (+5.7%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-18
Earnings (Next)03-17
Inst Owners76.79%
Inst Owner Change-12.89%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap2.16B
Revenue(TTM)19.59B
Net Income(TTM)7.25B
Analysts85.26
Price Target37.3 (142.37%)
Short Float %5.93%
Short Ratio2.46
Dividend
Industry RankSector Rank
Dividend Yield 9.66%
Yearly Dividend1.17
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)0.71%
PT rev (3m)-24.23%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0.04%
EPS NY rev (3m)-12.61%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.12%
Valuation
Industry RankSector Rank
PE 2.02
Fwd PE 2.79
P/S 0.79
P/FCF 1.36
P/OCF 1.36
P/B 0.62
P/tB 0.64
EV/EBITDA 0.45
EPS(TTM)7.61
EY49.45%
EPS(NY)5.52
Fwd EY35.87%
FCF(TTM)11.28
FCFY73.27%
OCF(TTM)11.28
OCFY73.27%
SpS19.49
BVpS25
TBVpS23.96
PEG (NY)0.25
PEG (5Y)0.1
Graham Number65.43
Profitability
Industry RankSector 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 RankSector 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
WACC5.48%
ROIC/WACC2.65
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 Y8.24%
EPS Next 2Y-5.89%
EPS Next 3Y0.22%
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 2Y0.01%
Revenue Next 3Y0.79%
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 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 8 / 10.


How financially healthy is QFIN HOLDINGS INC-ADR?

The financial health rating of QFIN HOLDINGS INC-ADR (QFIN) is 7 / 10.