15.55 USD
-0.35 (-2.2%)
At close: Jan 30, 2026
15.57 USD
+0.02 (+0.13%)
After Hours: 1/30/2026, 8:14:31 PM
Overall QFIN gets a fundamental rating of 8 out of 10. We evaluated QFIN against 53 industry peers in the Consumer Finance industry. Both the health and profitability get an excellent rating, making QFIN a very profitable company, without any liquidiy or solvency issues. QFIN may be a bit undervalued, certainly considering the very reasonable score on growth This makes QFIN very considerable 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.
- 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 90.57% of its industry peers.
- QFIN has a better Return On Equity (30.15%) than 90.57% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 14.53%, QFIN belongs to the top of the industry, outperforming 86.79% of the companies in the same industry.
- QFIN had an Average Return On Invested Capital over the past 3 years of 16.14%. This 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
- Looking at the Profit Margin, with a value of 38.67%, QFIN belongs to the top of the industry, outperforming 94.34% of the companies in the same industry.
- 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 94.34% of its industry peers.
- In the last couple of years the Operating Margin of QFIN has grown nicely.
- With an excellent Gross Margin value of 84.34%, QFIN belongs to the best of the industry, outperforming 81.13% 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
- The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so QFIN is creating value.
- Compared to 1 year ago, QFIN has less shares outstanding
- QFIN has less shares outstanding than it did 5 years ago.
- 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.
- QFIN has a better Debt to FCF ratio (0.58) than 94.34% of its industry peers.
- A Debt/Equity ratio of 0.26 indicates that QFIN is not too dependend on debt financing.
- QFIN has a better Debt to Equity ratio (0.26) than 81.13% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 0.58 | ||
| Altman-Z | N/A |
ROIC/WACC2.53
WACC5.75%
2.3 Liquidity
- A Current Ratio of 3.48 indicates that QFIN has no problem at all paying its short term obligations.
- QFIN has a better Current ratio (3.48) than 81.13% 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.
- QFIN has a Quick ratio of 3.48. This is amongst the best in the industry. QFIN outperforms 81.13% 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 43.98%, which is quite impressive.
- 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.
- The Revenue has been growing by 13.24% on average over the past years. This is quite good.
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 0.75% on average over the next years.
- The Revenue is expected to grow by 8.48% on average over the next years. This is quite good.
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
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 2.07 indicates a rather cheap valuation of QFIN.
- QFIN's Price/Earnings ratio is rather cheap when compared to the industry. QFIN is cheaper than 90.57% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 28.30. QFIN is valued rather cheaply when compared to this.
- The Price/Forward Earnings ratio is 2.84, which indicates a rather cheap valuation of QFIN.
- Based on the Price/Forward Earnings ratio, QFIN is valued cheaper than 92.45% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of QFIN to the average of the S&P500 Index (25.57), we can say QFIN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.07 | ||
| Fwd PE | 2.84 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, QFIN is valued cheaply inside the industry as 94.34% of the companies are valued more expensively.
- Based on the Price/Free Cash Flow ratio, QFIN is valued cheaply inside the industry as 88.68% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.4 | ||
| EV/EBITDA | 0.63 |
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.
- The excellent profitability rating of QFIN may justify a higher PE ratio.
PEG (NY)0.25
PEG (5Y)0.1
EPS Next 2Y-5.69%
EPS Next 3Y0.75%
5. Dividend
5.1 Amount
- QFIN has a Yearly Dividend Yield of 9.06%, which is a nice return.
- The stock price of QFIN dropped by -35.61% 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 2.69, QFIN pays a better dividend. On top of this QFIN pays more dividend than 90.57% of the companies listed in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.83, QFIN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.06% |
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 2Y-5.69%
EPS Next 3Y0.75%
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.