QFIN HOLDINGS INC-ADR (QFIN) Fundamental Analysis & Valuation

NASDAQ:QFIN • US88557W1018

Current stock price

12.975 USD
+0.36 (+2.81%)
Last:

This QFIN fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

8

1. QFIN Profitability Analysis

1.1 Basic Checks

  • In the past year QFIN was profitable.
  • In the past year QFIN had a positive cash flow from operations.
  • QFIN had positive earnings in each of the past 5 years.
  • Of the past 5 years QFIN 4 years had a positive operating cash flow.
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 2025 0 2B 4B 6B 8B

1.2 Ratios

  • QFIN has a Return On Assets of 11.21%. This is amongst the best in the industry. QFIN outperforms 92.59% of its industry peers.
  • The Return On Equity of QFIN (28.39%) is better than 81.48% of its industry peers.
  • QFIN has a better Return On Invested Capital (14.01%) than 85.19% of its industry peers.
  • QFIN had an Average Return On Invested Capital over the past 3 years of 15.85%. This is significantly above the industry average of 9.54%.
Industry RankSector Rank
ROA 11.21%
ROE 28.39%
ROIC 14.01%
ROA(3y)10.96%
ROA(5y)12.02%
ROE(3y)23.42%
ROE(5y)25.93%
ROIC(3y)15.85%
ROIC(5y)18.03%
QFIN Yearly ROA, ROE, ROICQFIN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50 100

1.3 Margins

  • The Profit Margin of QFIN (35.15%) is better than 90.74% of its industry peers.
  • QFIN's Profit Margin has improved in the last couple of years.
  • The Operating Margin of QFIN (39.30%) is better than 92.59% of its industry peers.
  • In the last couple of years the Operating Margin of QFIN has grown nicely.
  • With a decent Gross Margin value of 84.74%, QFIN is doing good in 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 39.3%
PM (TTM) 35.15%
GM 84.74%
OM growth 3Y8.78%
OM growth 5Y4.47%
PM growth 3Y8.66%
PM growth 5Y3.88%
GM growth 3Y-0.5%
GM growth 5Y-0.88%
QFIN Yearly Profit, Operating, Gross MarginsQFIN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 40 -40 60 80

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6

2. QFIN Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so QFIN is creating value.
  • QFIN has a worse debt/assets ratio than last year.
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 2025 10B 20B 30B 40B 50B

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's Debt to FCF ratio of 0.58 is amongst the best of the industry. QFIN outperforms 92.59% 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 is in the better half of the industry, outperforming 77.78% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 0.58
Altman-Z N/A
ROIC/WACC2.57
WACC5.46%
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 2025 0 5B 10B 15B 20B

2.3 Liquidity

  • A Current Ratio of 2.94 indicates that QFIN has no problem at all paying its short term obligations.
  • Looking at the Current ratio, with a value of 2.94, QFIN is in the better half of the industry, outperforming 77.78% of the companies in the same industry.
  • A Quick Ratio of 2.94 indicates that QFIN has no problem at all paying its short term obligations.
  • Looking at the Quick ratio, with a value of 2.94, QFIN is in the better half of the industry, outperforming 77.78% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 2.94
Quick Ratio 2.94
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 2025 10B 20B 30B 40B

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

2

3. QFIN Growth Analysis

3.1 Past

  • The earnings per share for QFIN have decreased by -0.28% in the last year.
  • QFIN shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.61% yearly.
  • QFIN shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.88%.
  • QFIN shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.20% yearly.
EPS 1Y (TTM)-0.28%
EPS 3Y17.5%
EPS 5Y11.61%
EPS Q2Q%-69.91%
Revenue 1Y (TTM)11.88%
Revenue growth 3Y5.08%
Revenue growth 5Y7.2%
Sales Q2Q%-8.69%

3.2 Future

  • The Earnings Per Share is expected to decrease by -5.41% on average over the next years.
  • The Revenue is expected to decrease by -8.43% on average over the next years.
EPS Next Y-32.37%
EPS Next 2Y-16.01%
EPS Next 3Y-5.41%
EPS Next 5YN/A
Revenue Next Year-25.25%
Revenue Next 2Y-14.06%
Revenue Next 3Y-8.43%
Revenue Next 5YN/A

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
QFIN Yearly EPS VS EstimatesQFIN Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 10 20 30 40

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7

4. QFIN Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 2.08 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 90.74% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of QFIN to the average of the S&P500 Index (26.54), we can say QFIN is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 3.08, 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 92.59% 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 21.68.
Industry RankSector Rank
PE 2.08
Fwd PE 3.08
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

  • 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 RankSector Rank
P/FCF 1.13
EV/EBITDA N/A
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

  • QFIN has an outstanding profitability rating, which may justify a higher PE ratio.
  • A cheap valuation may be justified as QFIN's earnings are expected to decrease with -5.41% in the coming years.
PEG (NY)N/A
PEG (5Y)0.18
EPS Next 2Y-16.01%
EPS Next 3Y-5.41%

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

5

5. QFIN Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 11.92%, QFIN is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 3.12, 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 11.92%

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 in the last 3 years.
Dividend Growth(5Y)N/A
Div Incr Years2
Div Non Decr Years2
QFIN Yearly Dividends per shareQFIN Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 2026 0.5 1

5.3 Sustainability

DPN/A
EPS Next 2Y-16.01%
EPS Next 3Y-5.41%
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 2025 0 2B 4B 6B 8B

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QFIN Fundamentals: All Metrics, Ratios and Statistics

QFIN HOLDINGS INC-ADR

NASDAQ:QFIN (4/30/2026, 12:31:09 PM)

12.975

+0.36 (+2.81%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Industry StrengthN/A
Industry GrowthN/A
Earnings (Last)03-17
Earnings (Next)05-18
Inst Owners68.54%
Inst Owner Change-0.53%
Ins OwnersN/A
Ins Owner Change0%
Market Cap1.82B
Revenue(TTM)19.21B
Net Income(TTM)6.89B
Analysts85.26
Price Target29.63 (128.36%)
Short Float %2.31%
Short Ratio1
Dividend
Industry RankSector Rank
Dividend Yield 11.92%
Yearly Dividend1.15
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years2
Div Non Decr Years2
Ex-Date04-22
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-2.19%
Min EPS beat(2)-5.62%
Max EPS beat(2)1.23%
EPS beat(4)3
Avg EPS beat(4)2.76%
Min EPS beat(4)-5.62%
Max EPS beat(4)9.46%
EPS beat(8)6
Avg EPS beat(8)7.57%
EPS beat(12)7
Avg EPS beat(12)3.97%
EPS beat(16)9
Avg EPS beat(16)4.12%
Revenue beat(2)2
Avg Revenue beat(2)7.02%
Min Revenue beat(2)2.39%
Max Revenue beat(2)11.64%
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)-20.56%
PT rev (3m)-19.99%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-18.08%
EPS NY rev (3m)-24.18%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-14.22%
Revenue NY rev (1m)-9.69%
Revenue NY rev (3m)-15.74%
Valuation
Industry RankSector Rank
PE 2.08
Fwd PE 3.08
P/S 0.63
P/FCF 1.13
P/OCF 1.13
P/B 0.51
P/tB 0.54
EV/EBITDA N/A
EPS(TTM)6.24
EY48.09%
EPS(NY)4.22
Fwd EY32.51%
FCF(TTM)11.45
FCFY88.26%
OCF(TTM)11.45
OCFY88.26%
SpS20.44
BVpS25.3
TBVpS24.23
PEG (NY)N/A
PEG (5Y)0.18
Graham Number59.5971 (359.32%)
Profitability
Industry RankSector Rank
ROA 11.21%
ROE 28.39%
ROCE 18.11%
ROIC 14.01%
ROICexc 18.64%
ROICexgc 19.23%
OM 39.3%
PM (TTM) 35.15%
GM 84.74%
FCFM 56.04%
ROA(3y)10.96%
ROA(5y)12.02%
ROE(3y)23.42%
ROE(5y)25.93%
ROIC(3y)15.85%
ROIC(5y)18.03%
ROICexc(3y)19.96%
ROICexc(5y)24.28%
ROICexgc(3y)20.55%
ROICexgc(5y)25.28%
ROCE(3y)20.52%
ROCE(5y)23.11%
ROICexgc growth 3Y-5.5%
ROICexgc growth 5Y-16.41%
ROICexc growth 3Y-6.56%
ROICexc growth 5Y-16.97%
OM growth 3Y8.78%
OM growth 5Y4.47%
PM growth 3Y8.66%
PM growth 5Y3.88%
GM growth 3Y-0.5%
GM growth 5Y-0.88%
F-Score5
Asset Turnover0.32
Health
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 0.58
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 250
Cash Conversion N/A
Profit Quality 159.44%
Current Ratio 2.94
Quick Ratio 2.94
Altman-Z N/A
F-Score5
WACC5.46%
ROIC/WACC2.57
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-0.28%
EPS 3Y17.5%
EPS 5Y11.61%
EPS Q2Q%-69.91%
EPS Next Y-32.37%
EPS Next 2Y-16.01%
EPS Next 3Y-5.41%
EPS Next 5YN/A
Revenue 1Y (TTM)11.88%
Revenue growth 3Y5.08%
Revenue growth 5Y7.2%
Sales Q2Q%-8.69%
Revenue Next Year-25.25%
Revenue Next 2Y-14.06%
Revenue Next 3Y-8.43%
Revenue Next 5YN/A
EBIT growth 1Y11.33%
EBIT growth 3Y14.3%
EBIT growth 5Y12%
EBIT Next Year30.72%
EBIT Next 3Y15.37%
EBIT Next 5YN/A
FCF growth 1Y27.03%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y27.03%
OCF growth 3YN/A
OCF growth 5YN/A

QFIN HOLDINGS INC-ADR / QFIN Fundamental Analysis FAQ

What is the fundamental rating for QFIN stock?

ChartMill assigns a fundamental rating of 6 / 10 to QFIN.


What is the valuation status of QFIN HOLDINGS INC-ADR (QFIN) stock?

ChartMill assigns a valuation rating of 7 / 10 to QFIN HOLDINGS INC-ADR (QFIN). This can be considered as Undervalued.


What is the profitability of QFIN stock?

QFIN HOLDINGS INC-ADR (QFIN) has a profitability rating of 8 / 10.


What is the financial health of QFIN HOLDINGS INC-ADR (QFIN) stock?

The financial health rating of QFIN HOLDINGS INC-ADR (QFIN) is 6 / 10.


Can you provide the expected EPS growth for QFIN stock?

The Earnings per Share (EPS) of QFIN HOLDINGS INC-ADR (QFIN) is expected to decline by -32.37% in the next year.