Symbols / QFIN $13.27 -4.19% Qfin Holdings, Inc.

Financial Services • Credit Services • China • NMS
QFIN Chart
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About

Qfin Holdings, Inc., together with its subsidiaries, operate AI- driven credit-tech platform under the Qifu Jietiao brand in the People's Republic of China. The company provides credit-driven services that match borrowers with financial institutions to conduct borrower acquisition, credit assessment, fund matching, and post-facilitation services; and platform services, including loan facilitation and post-facilitation services to financial institution partners under an intelligence credit engine, referral services, and other technology solutions. It serves financial institutions, consumers, and small and micro-enterprises. The company was formerly known as Qifu Technology, Inc. and changed its name to Qfin Holdings, Inc. in July 2025. Qfin Holdings, Inc. was founded in 2016 and is headquartered in Shanghai, the People's Republic of China.

Fundamentals
Scroll to Statements
Market Cap 1.75B Enterprise Value 133.40M Income 5.99B Sales 19.21B Book/sh 29.01 Cash/sh 30.96
Dividend Yield 11.60% Payout 23.85% Employees IPO P/E 2.05 Forward P/E 2.61
PEG P/S 0.09 P/B 0.46 P/C EV/EBITDA 0.02 EV/Sales 0.01
Quick Ratio 0.42 Current Ratio 2.43 Debt/Eq 18.23 LT Debt/Eq EPS (ttm) 6.46 EPS next Y 5.08
EPS Growth -40.90% Revenue Growth -8.70% Earnings 2026-05-18 ROA 9.93% ROE 24.69% ROIC
Gross Margin 61.41% Oper. Margin 29.44% Profit Margin 31.19% Shs Outstand 121.91M Shs Float 182.71M Short Float 2.32%
Short Ratio 1.48 Short Interest 52W High 47.00 52W Low 12.29 Beta 0.56 Avg Volume 1.54M
Volume 733.33K Target Price $23.53 Recom Strong_buy Prev Close $13.85 Price $13.27 Change -4.19%
Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$23.53
Mean price target
2. Current target
$13.27
Latest analyst target
3. DCF / Fair value
$97.33
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$13.27
Low
$14.12
High
$32.21
Mean
$23.53

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-03-18 main Jefferies Buy → Buy $23
2025-11-19 down JP Morgan Overweight → Neutral $21
2025-07-02 init JP Morgan — → Overweight $65
2025-03-26 main B of A Securities Buy → Buy $53
2024-11-21 main Citigroup Buy → Buy $38
2024-03-14 main Citigroup Buy → Buy $24
2023-07-06 init B of A Securities — → Buy $25
2022-05-26 main Citigroup — → Buy $25
2020-04-24 init Morgan Stanley — → Overweight
2019-05-14 init China Renaissance — → Buy $29
2019-01-18 init Citigroup — → Buy
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-31 CHEN XIAOHUAN Director 250,000 $12.48 $3,197,900
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total Revenue
14,037.87
+4.72%
13,405.16
-3.88%
13,946.21
-2.36%
14,282.57
Operating Revenue
14,037.87
+4.72%
13,405.16
-3.88%
13,946.21
-2.36%
14,282.57
Selling General And Administration
2,175.38
-7.86%
2,360.96
-9.88%
2,619.74
-1.05%
2,647.67
Selling And Marketing Expense
1,725.88
-11.03%
1,939.88
-12.10%
2,206.95
+5.58%
2,090.37
General And Administrative Expense
449.50
+6.75%
421.08
+2.01%
412.79
-25.93%
557.29
Other Gand A
449.50
+6.75%
421.08
+2.01%
412.79
-25.93%
557.29
Reconciled Depreciation
74.89
+1.53%
73.76
-4.18%
76.98
+16.69%
65.97
Net Income
6,264.31
+46.18%
4,285.34
+6.49%
4,024.17
-30.40%
5,781.73
Pretax Income
7,892.42
+49.55%
5,277.45
+11.28%
4,742.37
-32.47%
7,022.71
Net Interest Income
6,873.53
+29.03%
5,327.23
+45.15%
3,670.25
+58.86%
2,310.38
Interest Income
6,873.53
+29.03%
5,327.23
+45.15%
3,670.25
+58.86%
2,310.38
Gain On Sale Of Security
0.00
+100.00%
-30.11
-51.41%
-19.89
-296.62%
10.12
Tax Provision
1,644.31
+62.98%
1,008.87
+36.93%
736.80
-41.44%
1,258.20
Tax Rate For Calcs
0.00
+10.27%
0.00
+24.16%
0.00
-13.87%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
6,248.12
+46.37%
4,268.58
+6.57%
4,005.57
-30.51%
5,764.51
Net Income From Continuing Operation Net Minority Interest
6,264.31
+46.18%
4,285.34
+6.49%
4,024.17
-30.40%
5,781.73
Net Income From Continuing And Discontinued Operation
6,264.31
+46.18%
4,285.34
+6.49%
4,024.17
-30.40%
5,781.73
Net Income Continuous Operations
6,248.12
+46.37%
4,268.58
+6.57%
4,005.57
-30.51%
5,764.51
Minority Interests
16.20
-3.35%
16.76
-9.92%
18.61
+8.09%
17.21
Normalized Income
6,264.31
+46.18%
4,285.34
+6.49%
4,024.17
-30.40%
5,781.73
Net Income Common Stockholders
6,264.31
+46.18%
4,285.34
+6.49%
4,024.17
-30.40%
5,781.73
Diluted EPS
41.28
+58.28%
26.08
+4.32%
25.00
Basic EPS
42.04
+57.34%
26.72
+3.81%
25.74
Basic Average Shares
149.01
-7.09%
160.37
+2.61%
156.29
Diluted Average Shares
151.72
-7.63%
164.25
+2.02%
161.01
Diluted NI Availto Com Stockholders
6,264.31
+46.18%
4,285.34
+6.49%
4,024.17
-30.40%
5,781.73
Other Non Interest Expense
478.40
-84.33%
3,053.81
-30.08%
4,367.78
+41.89%
3,078.22
Line Item Trend 2024-12-31 2023-12-31
Total Assets
48,132.62
+5.05%
45,818.57
Cash And Cash Equivalents
4,452.42
+6.57%
4,177.89
Other Short Term Investments
3,394.07
+22527.15%
15.00
Receivables
4,437.03
-43.32%
7,828.12
Accounts Receivable
2,241.66
-26.65%
3,056.24
Gross Accounts Receivable
2,513.70
-25.56%
3,376.92
Allowance For Doubtful Accounts Receivable
-272.04
+15.17%
-320.68
Other Receivables
2,186.80
-53.69%
4,722.29
Prepaid Assets
162.62
-21.47%
207.07
Net PPE
362.77
+56.89%
231.22
Goodwill And Other Intangible Assets
1,010.97
-2.05%
1,032.11
Goodwill
42.41
+2.92%
41.21
Other Intangible Assets
968.56
-2.26%
990.90
Investments And Advances
3,394.07
+22527.15%
15.00
Total Liabilities Net Minority Interest
23,886.40
+0.33%
23,808.72
Payables And Accrued Expenses
16,787.40
+10.24%
15,228.03
Payables
15,784.10
+10.40%
14,296.56
Other Payable
14,326.42
+9.53%
13,079.84
Dividends Payable
0.00
Current Accrued Expenses
1,003.30
+7.71%
931.47
Total Tax Payable
1,149.85
+26.99%
905.46
Income Tax Payable
1,149.85
+26.99%
905.46
Current Debt And Capital Lease Obligation
1,397.20
+68.80%
827.73
Current Debt
1,369.94
+71.55%
798.59
Other Current Borrowings
1,369.94
+71.55%
798.59
Current Capital Lease Obligation
27.26
-6.47%
29.14
Non Current Deferred Liabilities
439.44
+95.46%
224.82
Non Current Deferred Taxes Liabilities
439.44
+95.46%
224.82
Stockholders Equity
24,190.04
+10.27%
21,937.48
Common Stock Equity
24,190.04
+10.27%
21,937.48
Capital Stock
0.02
-4.55%
0.02
Common Stock
0.02
-4.55%
0.02
Share Issued
296.54
-9.19%
326.55
Ordinary Shares Number
283.98
-9.91%
315.23
Treasury Shares Number
12.56
+10.89%
11.33
Additional Paid In Capital
4,339.41
-28.39%
6,059.44
Retained Earnings
20,952.34
+28.56%
16,297.32
Gains Losses Not Affecting Retained Earnings
11.88
+134.27%
-34.66
Treasury Stock
1,113.61
+189.52%
384.64
Minority Interest
56.18
-22.38%
72.37
Total Equity Gross Minority Interest
24,246.22
+10.16%
22,009.86
Invested Capital
25,559.98
+12.42%
22,736.07
Total Debt
1,397.20
+68.80%
827.73
Capital Lease Obligations
27.26
-6.47%
29.14
Net Tangible Assets
23,179.07
+10.88%
20,905.37
Tangible Book Value
23,179.07
+10.88%
20,905.37
Cash Cash Equivalents And Federal Funds Sold
6,805.80
-9.96%
7,559.00
Line Item Trend 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Operating Cash Flow
9,343.31
+31.26%
7,118.35
+20.19%
5,922.52
+2.29%
5,789.70
Cash Flow From Continuing Operating Activities
9,343.31
+31.26%
7,118.35
+20.19%
5,922.52
+2.29%
5,789.70
Net Income From Continuing Operations
6,248.12
+46.37%
4,268.58
+6.57%
4,005.57
-30.51%
5,764.51
Depreciation Amortization Depletion
74.89
+1.53%
73.76
-4.18%
76.98
+16.69%
65.97
Depreciation
74.89
+1.53%
73.76
-4.18%
76.98
+16.69%
65.97
Depreciation And Amortization
74.89
+1.53%
73.76
-4.18%
76.98
+16.69%
65.97
Other Non Cash Items
478.40
-84.33%
3,053.81
-30.08%
4,367.78
+41.89%
3,078.22
Stock Based Compensation
167.61
-9.69%
185.60
-7.08%
199.74
-21.34%
253.92
Operating Gains Losses
-1.51
-104.68%
32.28
-81.60%
175.41
+484.12%
-45.66
Gain Loss On Investment Securities
0.00
-100.00%
30.11
+51.41%
19.89
+296.62%
-10.12
Net Foreign Currency Exchange Gain Loss
-1.51
+35.82%
-2.36
-101.47%
160.22
+550.70%
-35.55
Change In Working Capital
-1,115.87
+65.22%
-3,208.62
+37.32%
-5,119.28
-4.88%
-4,881.24
Change In Receivables
2,588.63
+709.73%
-424.55
+39.42%
-700.79
+45.17%
-1,278.16
Changes In Account Receivables
2,588.63
+709.73%
-424.55
+39.42%
-700.79
+45.17%
-1,278.16
Change In Prepaid Assets
-1,088.73
-1968.59%
58.27
+5803.24%
0.99
-91.33%
11.38
Change In Payables And Accrued Expense
800.95
+61.07%
497.26
+57.66%
315.40
+12.10%
281.35
Change In Accrued Expense
485.68
+822.90%
52.63
+149.82%
-105.63
-111.77%
897.67
Change In Payable
315.27
-29.10%
444.63
+5.60%
421.04
+168.31%
-616.32
Change In Other Working Capital
-29.15
-154.71%
53.27
-88.08%
446.87
+156.84%
-786.17
Change In Other Current Assets
-27.71
+1.07%
-28.01
+47.15%
-53.00
+95.02%
-1,064.02
Change In Other Current Liabilities
-3,435.88
+0.21%
-3,442.95
+30.07%
-4,923.71
-82.83%
-2,693.05
Investing Cash Flow
-7,994.08
+28.29%
-11,147.79
-51.55%
-7,355.98
-21.30%
-6,064.33
Cash Flow From Continuing Investing Activities
-7,994.08
+28.29%
-11,147.79
-51.55%
-7,355.98
-21.30%
-6,064.33
Net PPE Purchase And Sale
-153.15
-81.13%
-84.55
-213.48%
-26.97
-6.58%
-25.31
Purchase Of PPE
-153.15
-81.13%
-84.55
-213.48%
-26.97
-6.58%
-25.31
Capital Expenditure
-153.15
-81.13%
-84.55
-213.48%
-26.97
-6.58%
-25.31
Net Investment Purchase And Sale
-3,350.99
-9928.39%
34.09
+154.26%
-62.84
0.00
Purchase Of Investment
-4,659.44
-1630.81%
-269.21
-233.46%
-80.73
0.00
Sale Of Investment
1,308.45
+331.40%
303.30
+1595.37%
17.89
0.00
Net Business Purchase And Sale
-2.60
+90.08%
-26.24
-883.49%
3.35
+329.70%
-1.46
Purchase Of Business
-2.60
+90.08%
-26.24
0.00
+100.00%
-1.46
Financing Cash Flow
-2,114.46
-298.27%
1,066.46
-66.72%
3,204.07
+41.54%
2,263.72
Cash Flow From Continuing Financing Activities
-2,114.46
-298.27%
1,066.46
-66.72%
3,204.07
+41.54%
2,263.72
Net Issuance Payments Of Debt
728.20
+0.95%
721.35
+293.95%
-371.92
-174.63%
498.37
Issuance Of Debt
2,047.15
+128.13%
897.35
+148.55%
361.03
-49.05%
708.54
Repayment Of Debt
-1,318.95
-649.41%
-176.00
+75.99%
-732.95
-248.75%
-210.17
Long Term Debt Issuance
157.21
+116.05%
72.77
+248.94%
20.85
-93.95%
344.49
Long Term Debt Payments
-0.37
0.00
+100.00%
-90.00
-49.58%
-60.17
Net Long Term Debt Issuance
156.84
+115.54%
72.77
+205.24%
-69.15
-124.32%
284.32
Short Term Debt Issuance
1,889.94
+129.20%
824.59
+142.40%
340.18
-6.56%
364.05
Short Term Debt Payments
-1,318.59
-649.20%
-176.00
+72.63%
-642.95
-328.63%
-150.00
Net Short Term Debt Issuance
571.35
-11.91%
648.59
+314.22%
-302.77
-241.45%
214.05
Net Common Stock Issuance
-2,973.19
-367.35%
-636.18
-349.56%
254.92
0.00
Common Stock Payments
-2,973.19
-367.35%
-636.18
0.00
0.00
Common Stock Dividend Paid
-1,262.93
-34.11%
-941.71
+4.74%
-988.59
0.00
Cash Dividends Paid
-1,262.93
-34.11%
-941.71
+4.74%
-988.59
0.00
Repurchase Of Capital Stock
-2,973.19
-367.35%
-636.18
0.00
0.00
Net Other Financing Charges
1,393.47
-27.54%
1,922.99
-55.38%
4,309.66
+144.13%
1,765.35
Changes In Cash
-765.23
+74.17%
-2,962.98
-267.34%
1,770.61
-10.98%
1,989.09
Effect Of Exchange Rate Changes
12.04
+25.18%
9.62
+152.85%
-18.19
-433.33%
-3.41
Beginning Cash Position
7,559.00
-28.09%
10,512.36
+20.00%
8,759.95
+29.31%
6,774.27
End Cash Position
6,805.80
-9.96%
7,559.00
-28.09%
10,512.36
+20.00%
8,759.95
Free Cash Flow
9,190.16
+30.66%
7,033.80
+19.31%
5,895.54
+2.28%
5,764.39
Interest Paid Supplemental Data
18.59
+44.43%
12.87
+18.47%
10.86
-21.04%
13.76
Income Tax Paid Supplemental Data
1,264.98
+48.37%
852.56
-5.79%
904.95
-25.45%
1,213.91
Change In Income Tax Payable
287.12
+221.27%
89.37
+504.98%
-22.07
+96.42%
-616.32
Change In Tax Payable
287.12
+221.27%
89.37
+504.98%
-22.07
+96.42%
-616.32
Common Stock Issuance
0.00
0.00
-100.00%
254.92
0.00
Earnings Losses From Equity Investments
19.89
0.00
Issuance Of Capital Stock
0.00
0.00
-100.00%
254.92
0.00
Sale Of Business
0.00
0.00
-100.00%
3.35
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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