Reading the tape
NASDAQ: QFIN
Qfin Holdings, Inc.
Financial Services · Financial - Credit Services
Market Cap
$1.74B
52w High
$47.00
52w Low
$12.29
P/E
0.99
Volume
258.42K
Outstanding Shares
130.19M
Price vs Fundamentals
Why The Stock Is Moving
Likely fundamental deteriorationModerate confidence
Note: The most recent financial data is over 3 months old. Metrics shown may not reflect the latest reporting period.
1Y Price: -68.59%Revenue (TTM): 2.7%FCF (TTM): -13.72%P/E: 0th pct
What changed
The stock fell 68.59% over the last year. Revenue grew 2.7% over the trailing twelve months. Operating margin moved from 43.86% to 39.14%. Free cash flow declined 13.72% over the trailing twelve months.
What the market seems to be pricing
The market is reacting to weaker business momentum more than just compressing the valuation multiple. Even if the shares already screen cheap on P/E, investors are still discounting lower future earnings power.
What would invalidate this read
Operating margin stands at 39.14%. Free cash flow fell 13.72% — a return toward positive territory would undermine the deterioration thesis. If margins and cash flow stabilize while the stock stays depressed, the gap shifts from fundamental damage toward pure multiple compression.
Company profile
Qifu Technology, Inc., together with its subsidiaries, operates credit-tech platform under the 360 Jietiao brand in the People's Republic of China.
CEOHaisheng Wu
SectorFinancial Services
IndustryFinancial - Credit Services
Employees3,527
IPO dateDec 14, 2018
Valuation
Forward P/E—
EV/EBITDA0.73
Enterprise value$5.24B
Price / Book0.07
Stock splits
No stock splits recorded for this ticker.
Profitability & growth
Standard profitability metrics can be misleading for financial/insurance companies. GAAP requires unrealized investment gains/losses in net income (affecting ROE), and margins are blended across diverse business segments.
Revenue growth-9.95%
Gross margin74.42%▲31.95%vs FY2024
Operating margin39.14%▼22.80%vs FY2024
ROE23.99%▼7.36%vs FY2024
Analyst consensus
RatingBuy
Target price$28.15▲110.47%
3
Buy
1
Hold
0
Sell
Analyst ratings tend to be lagging indicators. Use as one signal among many.
Earnings
Full quarter-by-quarter history of actuals vs estimates. Switch into compare mode to inspect one metric year-over-year.
Next report
May 18, 2026
Q2 FY26 · EPS est $0.96 · Revenue est $590.73M
View
Dividends
$1.54/shareSemi-annualSafeQFIN pays a dividend with a 11.51% dividend yield, growing at 21.2% annually, covered 7.9× by free cash flow.
Dividend Yield
11.51%
Annual Div / Share
$1.54
TTM $10.52
3yr CAGR
+21.2%
Doubles every ~3.6yr
Payout Ratio
23.76%
Safe
Dividend Growth Rate
3yr CAGR
+21.2%
Dividend Safety
10/10Safe
Dividend History
Annual dividends paid per share
YearAnnual DivYoY
2025$1.46+24.8%
2024$1.17+80.0%
2023$0.65-20.7%
2022$0.82+192.9%
2021$0.28—
Income Projection
Invest
$
Growth rate:
Reinvest dividends
Today
$115/yr
$10/mo
In 5 yrs
$203/yr+76%
$17/mo
In 10 yrs
$358/yr+211%
$30/mo
| Today | In 5 yrs | In 10 yrs |
|---|---|---|
$115/yr $10/mo | $203/yr+76% $17/mo | $358/yr+211% $30/mo |
Long-range projections use a capped 12% annual growth assumption.
Yield-on-cost grows from 11.51% → 35.76% over 10yr
Analysis
Dividend Strengths
Well-covered by free cash flow
The dividend is covered 7.9× by free cash flow, indicating the company generates sufficient cash to sustain and potentially grow the payout without straining its finances.
Risks to Watch
No strong risk signal stands out from the latest period pair.