Symbols / QFIN $13.27 -4.19% Qfin Holdings, Inc.
QFIN Chart
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 | $29 |
| 2019-01-18 | init | Citigroup | — → Buy | — |
- Qfin (NASDAQ:QFIN) Shares Gap Down - Time to Sell? - MarketBeat Wed, 22 Apr 2026 16
- Strategy (MSTR) soars 11.8%: Is further upside left in the stock? - MSN hu, 23 Apr 2026 03
- Qfin Holdings: Tug-Of-War Between Valuations And Regulations (NASDAQ:QFIN) - Seeking Alpha ue, 21 Apr 2026 14
- While shareholders of Qfin Holdings (NASDAQ:QFIN) are in the red over the last year, underlying earnings have actually grown - Yahoo Finance Sun, 08 Feb 2026 08
- QFIN Stock Price, Quote & Chart | QFIN HOLDINGS INC-ADR (NASDAQ:QFIN) - ChartMill Fri, 17 Apr 2026 07
- Qfin (QFIN) Support Levels | Q4 2025: Earnings Fall Short - Fast Rising Picks - UBND thành phố Hải Phòng hu, 23 Apr 2026 01
- QIFU TECHNOLOGY ($QFIN) Releases Q4 2025 Earnings | QFIN Stock News - Quiver Quantitative ue, 17 Mar 2026 07
- OVERSEA CHINESE BANKING Corp Ltd Grows Holdings in Qfin Holdings Inc. - Sponsored ADR $QFIN - MarketBeat Wed, 22 Apr 2026 11
- Is Qfin Holdings a Bargain After Recent Strategic Partnerships and Steep Share Price Drop? - Yahoo Finance Wed, 05 Nov 2025 08
- Insider Purchase: Director at $QFIN Buys 190,000 Shares - Quiver Quantitative ue, 31 Mar 2026 07
- Qfin (QFIN) Stock: Investment Outlook Overview (Ticks Lower) 2026-04-20 - Delta Trends - UBND thành phố Hải Phòng ue, 21 Apr 2026 04
- KBC Group NV Sells 173,139 Shares of Qfin Holdings Inc. - Sponsored ADR $QFIN - MarketBeat Mon, 20 Apr 2026 09
- QFIN Holdings, Inc. - Depositary Receipt (QFIN) price target decreased by 13.99% to 32.08 - MSN Wed, 22 Apr 2026 07
- Qfin Holdings (QFIN) Valuation Check As AI Platform Shift And Capital Returns Draw New Attention - Yahoo Finance Wed, 04 Mar 2026 08
- Qfin Holdings, Inc. Announces Fourth Quarter and Full Year 2025 Financial Results and Increase in Semi-Annual Dividend - Quiver Quantitative ue, 17 Mar 2026 07
Financials
Statement View
| 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.
- 42026-03-31 View
Trades
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Posts
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