Qfin Holdings (QFIN) Aperçu de l'action
Qfin Holdings, Inc. et ses filiales exploitent une plateforme de technologie de crédit pilotée par l'IA sous la marque Qifu Jietiao en République populaire de Chine. Plus de détails
| Score flocon de neige | |
|---|---|
| Évaluation | 5/6 |
| Croissance future | 0/6 |
| Performances passées | 3/6 |
| Santé financière | 5/6 |
| Dividendes | 4/6 |
QFIN Community Fair Values
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Analyst Price Targets
Qfin Holdings, Inc. Concurrents
Historique des prix et performances
| Historique des cours de bourse | |
|---|---|
| Prix actuel de l'action | US$15.40 |
| Plus haut sur 52 semaines | US$46.18 |
| Plus bas sur 52 semaines | US$11.31 |
| Bêta | 0.57 |
| Variation sur 1 mois | 10.24% |
| Variation sur 3 mois | 11.27% |
| Variation sur 1 an | -63.06% |
| Variation sur 3 ans | -4.53% |
| Variation sur 5 ans | -64.35% |
| Évolution depuis l'introduction en bourse | -6.67% |
Nouvelles et mises à jour récentes
Mise à jour du récit • Jun 06
QFIN: Dividend And Buyback Returns Will Support Future Re Rating Potential
Narrative Update on Qfin Holdings The analyst price target for Qfin Holdings has been revised lower by analysts to reflect a reduced fair value estimate of $21.69. This change is influenced by recent target cuts and downgrades that highlight ongoing regulatory headwinds and a lack of clear near term catalysts.Mise à jour du récit • May 17
QFIN: Dividend And Buyback Policy Will Support Future Margin Resilience
Analysts have trimmed their price target on Qfin Holdings by $0.36 to reflect slightly lower fair value and profit margin assumptions, citing updated research that includes the recent Jefferies target cut of $6.90 as a reference point for more cautious expectations. Analyst Commentary Recent commentary around the US$6.90 price target cut has focused less on a single datapoint and more on how Qfin Holdings is executing against expectations for fair value, profitability and growth.Recent updates
Mise à jour du récit • Jun 06
QFIN: Dividend And Buyback Returns Will Support Future Re Rating Potential
Narrative Update on Qfin Holdings The analyst price target for Qfin Holdings has been revised lower by analysts to reflect a reduced fair value estimate of $21.69. This change is influenced by recent target cuts and downgrades that highlight ongoing regulatory headwinds and a lack of clear near term catalysts.Mise à jour du récit • May 17
QFIN: Dividend And Buyback Policy Will Support Future Margin Resilience
Analysts have trimmed their price target on Qfin Holdings by $0.36 to reflect slightly lower fair value and profit margin assumptions, citing updated research that includes the recent Jefferies target cut of $6.90 as a reference point for more cautious expectations. Analyst Commentary Recent commentary around the US$6.90 price target cut has focused less on a single datapoint and more on how Qfin Holdings is executing against expectations for fair value, profitability and growth.Mise à jour du récit • May 03
QFIN: Dividend And Buyback Returns Will Support Future Margin Upside
Analysts have lowered their price target on Qfin Holdings by $6.90 to reflect updated views on discount rate assumptions and P/E expectations, as outlined in recent Street research. Analyst Commentary Bullish Takeaways Bullish analysts see the revised price target as still leaving room for upside if Qfin Holdings can execute consistently against current earnings expectations.Seeking Alpha • Apr 21
Qfin Holdings: Tug-Of-War Between Valuations And Regulations
Summary Qfin Holdings faced significant headwinds from the 2025 regulations, sharply impacting platform services and facilitation fees. QFIN's aggressive buybacks and strong profitability distinguish it among peers, with $450M spent in FY25 and $677M planned for FY26. The ABS lending model and micro-credit business provided resilient income streams for buybacks while noting the lingering risks of further APR caps beyond 20%. While domestic business will likely continue to decline gradually, preliminary international expansion and strong buybacks make the stock a cautious "buy". Read the full article on Seeking AlphaMise à jour du récit • Apr 17
QFIN: Buyback And Dividend Framework Will Support Future Margin Upside
Analysts have trimmed their 360 DigiTech (Qfin) price target by about $0.49 to $23.57, reflecting slightly lower fair value estimates along with small adjustments to the discount rate, revenue growth, profit margin and future P/E assumptions highlighted in recent research including Jefferies' target cut. Analyst Commentary Recent research on Qfin Holdings focuses on how updated assumptions around discount rates, revenue growth, profit margins and future P/E multiples feed into a lower fair value range.Mise à jour du récit • Apr 02
QFIN: Lower Reset Will Support Future Margin And Dividend Execution Upside
Analysts have reduced their price target on Qfin Holdings by $6.90 to reflect updated assumptions around fair value, discount rate, revenue growth, profit margin, and future P/E, as highlighted in recent Street research. Analyst Commentary Analysts are using the lower price target to reset expectations around what they see as a more balanced risk and reward profile for Qfin Holdings, with views split between the potential for solid execution and the need for a higher margin of safety in the valuation.Article d’analyse • Mar 24
Downgrade: Here's How Analysts See Qfin Holdings, Inc. (NASDAQ:QFIN) Performing In The Near Term
One thing we could say about the analysts on Qfin Holdings, Inc. ( NASDAQ:QFIN ) - they aren't optimistic, having just...Mise à jour du récit • Mar 19
QFIN: Lowered Expectations Will Support Future Margin Execution Upside
The analyst price target for Qfin Holdings has been reduced by $5.64 to reflect updated views on fair value, profit margins and revenue trends, as highlighted in recent Street research citing a lower target from Jefferies and similar assessments from other analysts. Analyst Commentary Recent Street research on Qfin Holdings points to a recalibration of expectations around fair value, with the latest target cut tying directly to updated assumptions on profitability and revenue quality rather than a single one off event.Mise à jour du récit • Mar 04
QFIN: Stable Assumptions Will Support Higher Quality Earnings Durability
Analysts have kept their fair value estimate for Qfin Holdings steady at about $31.78 per share, with only marginal tweaks to the discount rate, revenue growth, profit margin and future P/E assumptions. Together, these adjustments leave their overall price target effectively unchanged.Mise à jour du récit • Feb 18
QFIN: APR Cap Shift Will Support Higher Quality Earnings Durability
Analysts have lowered their price target for Qfin Holdings from $32.59 to $31.78, citing updated assumptions for revenue growth, profit margins and a higher future P/E multiple. Valuation Changes Fair Value: Target has been reduced slightly from $32.59 to $31.78.Mise à jour du récit • Feb 03
QFIN: APR Cap Shift Will Support Higher Quality Earnings Durability
Narrative Update on Qfin Holdings The analyst price target for Qfin has been revised lower, with estimates moving from US$45 to US$21. Analysts have adjusted their outlook to reflect slower loan growth, reduced exposure to higher APR loans, and increased competition for higher quality borrowers following Q3 earnings.Mise à jour du récit • Jan 20
QFIN: APR Cap Reset Will Support More Durable Earnings Despite Recent Downgrade
Narrative Update Analysts have cut their price target on Qfin to US$21 from US$45, and our fair value estimate is now US$32.85, a slight trim from US$32.90, reflecting updated assumptions for slower loan growth, pressure on annual percentage yields, and recent earnings downside. Analyst Commentary JPMorgan's downgrade to Neutral with a lower US$21 price target highlights how recent Q3 results and updated loan assumptions are feeding directly into reduced growth and earnings expectations for Qfin.Mise à jour du récit • Jan 05
QFIN: APR Cap Reset Will Support Loan Book Quality And Earnings Stability
Narrative Update Analysts have sharply cut their Qfin Holdings price target to US$21 from US$45, citing slower loan growth, reduced exposure to loans with annual percentage yields above 24%, increased competition for higher quality borrowers, and recent earnings downside related to concerns about APR caps. Analyst Commentary Recent commentary around Qfin Holdings centers on the sharp reset in expectations following the Q3 report, with JPMorgan cutting its rating to Neutral and trimming the price target to US$21 from US$45.Mise à jour du récit • Dec 16
QFIN: APR Cap Adjustments Will Shape Earnings Resilience Despite Competitive Pressures
Analysts have trimmed their price target on Qfin Holdings, cutting fair value from approximately $35.55 to $32.90 as they factor in slower loan growth, a modestly higher discount rate, and reduced revenue growth expectations following recent indications of increased competition and regulatory constraints on high APR lending. Analyst Commentary Analyst commentary around Qfin Holdings has turned more cautious following the latest quarterly results and regulatory developments affecting higher APR lending.Mise à jour du récit • Nov 29
QFIN: Upcoming APR Cap Decisions Will Shape Earnings Momentum Ahead
Analysts have lowered their price target for Qfin Holdings from $47.10 to $35.55, citing slower revenue growth, more moderate profit margins, and increased competition that is limiting loan expansion and yields. Analyst Commentary Recent analyst reviews of Qfin Holdings reflect a mixed outlook, with some optimism about the company's long-term positioning and notable caution regarding near-term challenges.Mise à jour du récit • Nov 15
QFIN: Upcoming Board Meeting Will Highlight Future Performance Momentum
Analysts have lowered their price target for Qfin Holdings from $48.29 to $47.10, citing slightly reduced expectations for revenue growth and profit margins as the underlying reason for this modest adjustment. What's in the News Qfin Holdings, Inc.Article d’analyse • Nov 06
Qfin Holdings, Inc. (NASDAQ:QFIN) Not Doing Enough For Some Investors As Its Shares Slump 26%
Unfortunately for some shareholders, the Qfin Holdings, Inc. ( NASDAQ:QFIN ) share price has dived 26% in the last...Mise à jour du récit • Oct 31
QFIN: Share Repurchase And Dividend Approval Will Drive Continued Investor Confidence
Analysts have slightly increased their price target for Qfin Holdings from $48.20 to $48.29. They cited minor adjustments in discount rate assumptions, while underlying growth and profitability expectations remain stable.Mise à jour du récit • Oct 16
Advanced AI Integration And Embedded Finance Will Drive Global Expansion
Analysts have lowered their price target for Qfin Holdings from $49.30 to $48.20. They cited slightly reduced profit margin projections and a modest increase in the discount rate, even though there was a small uptick in forecasted revenue growth.Mise à jour du récit • Sep 20
Advanced AI Integration And Embedded Finance Will Drive Global Expansion
Qfin Holdings' consensus Analyst Price Target has decreased slightly, primarily reflecting a sharp decline in its forward P/E multiple while net profit margins remain stable, resulting in a revised target of $49.30. What's in the News Completed repurchase of 7,100,000 shares (5% of outstanding), totaling $277 million under buyback program.Article d’analyse • Aug 19
Benign Growth For Qfin Holdings, Inc. (NASDAQ:QFIN) Underpins Stock's 29% Plummet
Qfin Holdings, Inc. ( NASDAQ:QFIN ) shareholders that were waiting for something to happen have been dealt a blow with...Article d’analyse • Aug 16
Qfin Holdings, Inc. Just Beat Revenue By 12%: Here's What Analysts Think Will Happen Next
NasdaqGS:QFIN 1 Year Share Price vs Fair Value Explore Qfin Holdings's Fair Values from the Community and select yours...Mise à jour du récit • Aug 16
Shift To Platform Model And DeepSeek AI Will Transform Fintech Operations
The reduction in Qfin Holdings' consensus analyst price target—from $55.85 to $52.48—reflects a downward revision in both growth and earnings expectations, as evidenced by lower forecast revenue growth and a substantially reduced future P/E ratio. What's in the News Board approved a dividend of USD 0.38 per Class A share (USD 0.76 per ADS) for the first half of 2025, with payment dates set for late September.Article d’analyse • May 23
Does Qifu Technology (NASDAQ:QFIN) Deserve A Spot On Your Watchlist?
For beginners, it can seem like a good idea (and an exciting prospect) to buy a company that tells a good story to...Seeking Alpha • Apr 25
Qifu Technology: Sell Into Strength (Technical Analysis)
Summary The technical outlook for Qifu Technology seems net bullish currently, despite some signs of long-term weakness in the indicators. Most recent earnings were mixed as revenue growth is near zero. Q1 guidance was soft as EPS growth is expected to slow significantly. The P/S ratio remains above average and is at a premium to the Financials sector, suggesting overvaluation. I initiate QFIN at a sell rating, as I believe investors should use technical rallies to sell a fundamentally unattractive stock. Read the full article on Seeking AlphaArticle d’analyse • Apr 18
Positive Sentiment Still Eludes Qifu Technology, Inc. (NASDAQ:QFIN) Following 26% Share Price Slump
Qifu Technology, Inc. ( NASDAQ:QFIN ) shareholders won't be pleased to see that the share price has had a very rough...Article d’analyse • Mar 28
Analysts Are Updating Their Qifu Technology, Inc. (NASDAQ:QFIN) Estimates After Its Full-Year Results
It's been a good week for Qifu Technology, Inc. ( NASDAQ:QFIN ) shareholders, because the company has just released its...Article d’analyse • Mar 25
Qifu Technology's (NASDAQ:QFIN) Shareholders Will Receive A Bigger Dividend Than Last Year
Qifu Technology, Inc. ( NASDAQ:QFIN ) will increase its dividend from last year's comparable payment on the 2nd of June...Seeking Alpha • Mar 19
Qifu Technology: Riding On Policy Tailwinds And Operational Strengths
Summary Qifu's strong 4Q24 performance and industry-leading risk management highlight its solid execution amid China's soft macro backdrop, supporting our bullish stance on the stock. Trading at 5x 2026E EBITDA, Qifu could reach $52/share (21% upside) if valued like high-quality peers, implying 6x forward EBITDA or 8x forward earnings. Qifu's AI-driven operational efficiency and user acquisition improvements bolster its position as a key player in China's consumer finance sector. Supportive consumption-driven policies and Qifu's strategic focus on tier 3 and 4 cities enhance loan growth potential, despite macroeconomic uncertainties. Read the full article on Seeking AlphaSeeking Alpha • Mar 12
Qifu Technology: Constant Regulatory Concerns May Overshadow Fundamental Growth, Initiate With 'Hold'
Summary Qifu Technology surged 155% in 2024 due to eased regulations and aggressive share repurchase programs, making it a shareholder-friendly Chinese ADR. Despite healthy fundamentals and limited downside risk due to share buybacks, QFIN faces significant regulatory and competitive risks, warranting a "hold" rating. QFIN's competitive advantages include a stable risk management team and high repeat borrower rates, but regulatory crackdowns and competition from larger players remain concerns. Investors can expect an 11% shareholder return yield from dividends and buybacks, but potential regulatory actions and competitive pressures make the stock risky for ordinary investors. Read the full article on Seeking AlphaSeeking Alpha • Jan 16
Qifu Technology: Navigating Risk, Reward, And The DoD's Watchlist
Summary Qifu Tech is resilient despite Qihoo 360's inclusion on the US DoD CMC list; potential sanctions on owners could impact QIFU's share price. QFIN's 3Q24 results show strong loan growth, improved asset quality, and prudent risk management, with net income well ahead of consensus. The company offers a compelling valuation at 5.5x 2025E P/E and a 12% combined buyback and dividend yield, ideal for yield-seeking investors. Management's focus on smaller loans and conservative risk management positions QFIN for consistent earnings growth amid China's challenging macro environment. Read the full article on Seeking AlphaArticle d’analyse • Dec 14
Even With A 28% Surge, Cautious Investors Are Not Rewarding Qifu Technology, Inc.'s (NASDAQ:QFIN) Performance Completely
Qifu Technology, Inc. ( NASDAQ:QFIN ) shares have continued their recent momentum with a 28% gain in the last month...Seeking Alpha • Nov 25
Qifu Technology, Despite Its Positive Quant Factor Grades, Is A Hold For Me
Summary I like aspects of Qifu Technology like its strong non-risk-bearing revenue growth (+277%), solid financials and balance sheet, and shareholder-friendly actions like growing dividends and share buybacks. I examined aspects that concern me, like the heavy reliance on risk-bearing revenue (72%) and 100% exposure to China’s regulatory environment through a VIE structure. There is also the risk of disruption by AI and ADR-related threats like delisting and financial transparency issues. At the end of my research, despite QFIN's strong fundamentals, it fails my SWAN criteria due to structural and regulatory risks. Read the full article on Seeking Alpha
Nouveau récit • Nov 21
Platform Model Transition Drives Growth Amidst Critical Partnerships And Tech Expansion
Operational efficiency and risk management have boosted profitability, suggesting potential for increased net margins.Seeking Alpha • Oct 16
Qifu Technology: An Underrated Fintech Stock
Summary Qifu Technology is a profitable Chinese digital lending firm utilizing AI and big data, showing significant earnings growth and a 97.85% stock price surge. Q2 2024 results highlight a 6.3% revenue increase and a 23% rise in non-GAAP net income, driven by a growing user base. QFIN's valuation metrics, including a low P/E GAAP ratio and high dividend yield, indicate that the company is undervalued with strong growth and income potential. Despite risks like borrower defaults and cybersecurity threats, the Company's robust profitability and operational efficiency make it a compelling buy in the consumer finance sector. Read the full article on Seeking AlphaArticle d’analyse • Oct 03
Qifu Technology, Inc.'s (NASDAQ:QFIN) Shares Leap 25% Yet They're Still Not Telling The Full Story
Qifu Technology, Inc. ( NASDAQ:QFIN ) shares have continued their recent momentum with a 25% gain in the last month...Article d’analyse • Aug 22
Qifu Technology (NASDAQ:QFIN) Will Pay A Larger Dividend Than Last Year At CN¥0.59
Qifu Technology, Inc.'s ( NASDAQ:QFIN ) dividend will be increasing from last year's payment of the same period to...Article d’analyse • Aug 17
Qifu Technology, Inc. Beat Analyst Estimates: See What The Consensus Is Forecasting For This Year
Shareholders will be ecstatic, with their stake up 20% over the past week following Qifu Technology, Inc. 's...Seeking Alpha • Aug 16
Qifu Technology: Attractive Shareholder Yield And Positive Earnings Outlook
Summary QFIN's third quarter bottom-line growth prospects are favorable, taking into account expectations of provision write-backs and lower operating costs. Qifu Technology's potential shareholder yield for fiscal 2024 is estimated to be in the mid-teens percentage range. I stick to a Buy rating for QFIN; the stock is still trading at a depressed mid-single digit P/E ratio despite its positive bottom-line outlook and enticing shareholder yield. Read the full article on Seeking AlphaArticle d’analyse • Jul 16
Qifu Technology, Inc. (NASDAQ:QFIN) Doing What It Can To Lift Shares
Qifu Technology, Inc.'s ( NASDAQ:QFIN ) price-to-earnings (or "P/E") ratio of 4.9x might make it look like a strong buy...Seeking Alpha • Jun 04
Qifu Technology: Still Positive Considering Favorable Guidance And Metrics
Summary QFIN is expecting a reasonably good high-single digit percentage expansion in its bottom line for Q2 2024, while the stock trades at a low-to-mid digit forward P/E multiple. I have a positive view of Qifu Technology's Q1 2024 metrics pertaining to take rate, share repurchases, and asset quality. A Buy rating for the stock is maintained after an evaluation of the company's guidance and metrics. Read the full article on Seeking AlphaRendement pour les actionnaires
| QFIN | US Consumer Finance | US Marché | |
|---|---|---|---|
| 7D | 6.0% | 3.5% | 0.8% |
| 1Y | -63.1% | 7.4% | 24.2% |
Rendement vs Industrie: QFIN a sous-performé le secteur US Consumer Finance qui a rapporté 7.4 % au cours de l'année écoulée.
Rendement vs marché: QFIN a sous-performé le marché US qui a rapporté 24.2 % au cours de l'année écoulée.
Volatilité des prix
| QFIN volatility | |
|---|---|
| QFIN Average Weekly Movement | 10.2% |
| Consumer Finance Industry Average Movement | 6.6% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.8% |
| 10% least volatile stocks in US Market | 3.1% |
Cours de l'action stable: QFIN n'a pas connu de volatilité de prix significative au cours des 3 derniers mois par rapport au marché US.
Volatilité au fil du temps: La volatilité hebdomadaire de QFIN ( 10% ) est restée stable au cours de l'année écoulée.
À propos de l'entreprise
| Fondée | Salariés | PDG | Site web |
|---|---|---|---|
| 2016 | 3,557 | Haisheng Wu | www.qfin.com |
Qfin Holdings, Inc. et ses filiales exploitent une plateforme technologique de crédit pilotée par l'IA sous la marque Qifu Jietiao en République populaire de Chine. L'entreprise fournit des services axés sur le crédit qui mettent en relation les emprunteurs et les institutions financières afin d'acquérir des emprunteurs, d'évaluer leur solvabilité, de trouver des fonds et d'offrir des services de post-facilitation ; et des services de plateforme, y compris des services de prêt et de post-facilitation aux institutions financières partenaires dans le cadre d'un modèle de capital léger, d'un moteur de crédit intelligent, de services d'orientation et d'autres solutions technologiques. Elle s'adresse aux institutions financières, aux consommateurs et aux petites et micro-entreprises.
Qfin Holdings, Inc. Résumé des fondamentaux
| QFIN statistiques fondamentales | |
|---|---|
| Capitalisation boursière | US$1.83b |
| Bénéfices(TTM) | US$750.13m |
| Recettes(TTM) | US$2.72b |
2.5x
Ratio P/E0.7x
Ratio P/SLe site QFIN est-il surévalué ?
Voir Juste valeur et analyse de l'évaluationBénéfices et recettes
| QFIN compte de résultat (TTM) | |
|---|---|
| Recettes | CN¥18.42b |
| Coût des recettes | CN¥7.91b |
| Marge brute | CN¥10.51b |
| Autres dépenses | CN¥5.44b |
| Les revenus | CN¥5.07b |
Derniers bénéfices déclarés
Mar 31, 2026
Prochaine date de publication des résultats
s/o
| Résultat par action (EPS) | 41.67 |
| Marge brute | 57.06% |
| Marge bénéficiaire nette | 27.53% |
| Ratio dettes/capitaux propres | 11.7% |
Quelles ont été les performances à long terme de QFIN?
Voir les performances historiques et les comparaisonsDividendes
10.1%
Rendement actuel des dividendes27%
Ratio de distributionAnalyse de l'entreprise et données financières
| Données | Dernière mise à jour (heure UTC) |
|---|---|
| Analyse de l'entreprise | 2026/06/12 15:55 |
| Cours de l'action en fin de journée | 2026/06/12 00:00 |
| Les revenus | 2026/03/31 |
| Revenus annuels | 2025/12/31 |
Sources de données
Les données utilisées dans notre analyse de l'entreprise proviennent de S&P Global Market Intelligence LLC. Les données suivantes sont utilisées dans notre modèle d'analyse pour générer ce rapport. Les données sont normalisées, ce qui peut entraîner un délai avant que la source ne soit disponible.
| Paquet | Données | Cadre temporel | Exemple de source américaine * |
|---|---|---|---|
| Finances de l'entreprise | 10 ans |
| |
| Estimations consensuelles des analystes | +3 ans |
|
|
| Prix du marché | 30 ans |
| |
| Propriété | 10 ans |
| |
| Gestion | 10 ans |
| |
| Principaux développements | 10 ans |
|
* Exemple pour les titres américains ; pour les titres non américains, des formulaires réglementaires et des sources équivalentes sont utilisés.
Sauf indication contraire, toutes les données financières sont basées sur une période annuelle mais mises à jour trimestriellement. C'est ce qu'on appelle les données des douze derniers mois (TTM) ou des douze derniers mois (LTM). En savoir plus.
Modèle d'analyse et flocon de neige
Les détails du modèle d’analyse utilisé pour générer ce rapport sont disponibles sur notre page Github; nous proposons également des guides expliquant comment utiliser nos rapports et des tutoriels sur Youtube.
Découvrez l'équipe de classe mondiale qui a conçu et construit le modèle d'analyse Simply Wall St.
Indicateurs de l'industrie et du secteur
Nos indicateurs de secteur et de section sont calculés toutes les 6 heures par Simply Wall St. Les détails de notre processus sont disponibles sur Github.
Sources des analystes
Qfin Holdings, Inc. est couverte par 20 analystes. 11 de ces analystes ont soumis les estimations de revenus ou de bénéfices utilisées comme données d'entrée dans notre rapport. Les soumissions des analystes sont mises à jour tout au long de la journée.
| Analyste | Institution |
|---|---|
| Emma Xu | BofA Global Research |
| Zeyu Yao | China International Capital Corporation Limited |
| Yun-Yin Wang | China Renaissance Securities |