Qfin Holdings (CKR0) Stock Overview

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. More details

CKR0 fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	3/6
Past Performance	6/6
Financial Health	5/6
Dividends	4/6

Rewards

Trading at 77.3% below our estimate of its fair value

Earnings are forecast to grow 3.58% per year

Earnings grew by 51.2% over the past year

Risk Analysis

Unstable dividend track record

Volatile share price over the past 3 months compared to the German market

CKR0 Community Fair Values

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Qfin Holdings, Inc. Competitors

Price History & Performance

Summary of share price highs, lows and changes for Qfin Holdings
Historical stock prices
Current Share Price	US$12.80
52 Week High	US$19.58
52 Week Low	US$11.80
Beta	0.48
1 Month Change	5.79%
3 Month Change	-29.67%
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	-32.89%

Recent updates

Shareholder Returns

	CKR0	DE Consumer Finance	DE Market
7D	-1.5%	0.3%	2.7%
1Y	n/a	23.3%	14.6%

Return vs Industry: Insufficient data to determine how CKR0 performed against the German Consumer Finance industry.

Return vs Market: Insufficient data to determine how CKR0 performed against the German Market.

Price Volatility

Is CKR0's price volatile compared to industry and market?
CKR0 volatility
CKR0 Average Weekly Movement	8.1%
Consumer Finance Industry Average Movement	5.1%
Market Average Movement	4.9%
10% most volatile stocks in DE Market	12.3%
10% least volatile stocks in DE Market	2.5%

Stable Share Price: CKR0's share price has been volatile over the past 3 months compared to the German market.

Volatility Over Time: Insufficient data to determine CKR0's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
2016	3,527	Haisheng Wu	www.qfin.com

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.

Qfin Holdings, Inc. Fundamentals Summary

How do Qfin Holdings's earnings and revenue compare to its market cap?
CKR0 fundamental statistics
Market cap	€3.33b
Earnings (TTM)	€867.85m
Revenue (TTM)	€2.24b

3.8x

P/E Ratio

1.5x

P/S Ratio

Is CKR0 overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CKR0 income statement (TTM)
Revenue	CN¥18.76b
Cost of Revenue	CN¥6.38b
Gross Profit	CN¥12.38b
Other Expenses	CN¥5.12b
Earnings	CN¥7.25b

Last Reported Earnings

Jun 30, 2025

Next Earnings Date

n/a

Earnings per share (EPS)	54.77
Gross Margin	65.97%
Net Profit Margin	38.67%
Debt/Equity Ratio	28.4%

How did CKR0 perform over the long term?

See historical performance and comparison

Dividends

5.1%

Current Dividend Yield

20%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/10/05 06:21
End of Day Share Price	2025/10/03 00:00
Earnings	2025/06/30
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Qfin Holdings, Inc. is covered by 21 analysts. 12 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Emma Xu	BofA Global Research
Zeyu Yao	China International Capital Corporation Limited
Yun-Yin Wang	China Renaissance Securities

Qfin Holdings, Inc.DB:CKR0 Stock Report