QFIN
BULLISHAt a glance
Key valuation, profitability, growth, and risk metrics.
AI Analysis
AI-powered fundamental assessment
Key Strengths
Key Risks
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Ref P/E 2.19, P/B 0.49, Graham Number $64.94
- P/E of 2.19 is exceptionally low
- Trading at 0.49x Book Value
- Current price is ~78% below Graham Number
Ref Growth rates and Earnings track record
- Recent Q/Q revenue growth recovery (+23.67%)
- YoY Earnings growth -40.90%
- Consistent earnings misses in recent quarters
Ref Historical price performance
- Historical ability to generate high ROE
- 1Y price collapse of -58.1%
- 6M price decline of -44.0%
Ref Piotroski F-Score 4/9, Debt/Equity 0.18
- Very low Debt/Equity (0.18)
- Healthy Current Ratio (2.43)
- Piotroski F-Score is only 4/9 (Stable, not Strong)
Ref Yield 10.89%, Payout 23.85%
- Double-digit yield (10.89%)
- Very low payout ratio (23.85%)
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for QFIN and closest competitors.
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
QFIN
Qfin Holdings, Inc.
Primary
|
-31.6% | -12.4% | -58.1% | -44.0% | +7.0% | +4.0% |
|
CLBK
Columbia Financial, Inc.
Peer
|
+1.0% | -3.4% | +35.5% | +19.9% | -0.3% | +1.7% |
|
AGM
Federal Agricultural Mortgage Corporation
Peer
|
+153.5% | +48.7% | -9.9% | -0.9% | -3.9% | -0.9% |
|
GCMG
GCM Grosvenor Inc.
Peer
|
+1.0% | +45.6% | -19.0% | -13.6% | -15.2% | +0.9% |
|
AGM-A
Federal Agricultural Mortgage Corporation
Peer
|
+116.9% | +37.7% | -10.3% | +1.4% | -2.7% | +1.0% |
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Valuation Metrics
Key valuation ratios and pricing indicators
Profitability
Profit margins and return metrics
Growth
Revenue and earnings growth rates
Financial Health
Balance sheet strength and liquidity metrics
Quarterly Earnings History
EPS performance vs analyst estimates
Financial Services Sector Comparison
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
QFIN
Qfin Holdings, Inc.
|
BULLISH | $1.86B | 2.19 | 24.7% | 31.2% | $14.13 | |
|
CLBK
Columbia Financial, Inc.
|
NEUTRAL | $1.86B | 34.92 | 4.6% | 20.8% | $17.81 | Compare |
|
AGM
Federal Agricultural...
|
NEUTRAL | $1.87B | 10.02 | 13.7% | 57.2% | $171.22 | Compare |
|
GCMG
GCM Grosvenor Inc.
|
NEUTRAL | $1.83B | 23.31 | 765.9% | 8.2% | $9.79 | Compare |
|
AGM-A
Federal Agricultural...
|
NEUTRAL | $1.79B | 7.35 | 13.7% | 57.2% | $129.0 | Compare |
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-31 | CHEN XIAOHUAN | Director | Purchase | 250,000 | $3,197,900 |
SEC Filings
Recent regulatory filings from the SEC EDGAR database
Qifu Technology (QFIN) filed its 20-F annual report on March 25, 2025, providing a comprehensive overview of its yearly financial performance and operational results. The filing details the company's financial position and outlines the primary regulatory and market risks associated with its AI-driven credit platform operations.
Qifu Technology operates as a leading AI-driven credit platform in China, focusing on loan facilitation and risk management services. Investors should note significant risks associated with the evolving Chinese regulatory environment for fintech and macroeconomic volatility affecting credit quality.
Wall Street Analysts
Professional analyst ratings and price targets
Past News Coverage
Recent headlines mentioning QFIN from our newsroom.