Qfin Holdings (QFIN) 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
| Snowflake Score | |
|---|---|
| Valuation | 5/6 |
| Future Growth | 0/6 |
| Past Performance | 2/6 |
| Financial Health | 5/6 |
| Dividends | 4/6 |
QFIN Community Fair Values
See what 148 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
Qfin Holdings, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$8.47 |
| 52 Week High | US$32.69 |
| 52 Week Low | US$8.35 |
| Beta | 0.57 |
| 1 Month Change | -33.83% |
| 3 Month Change | -45.00% |
| 1 Year Change | -70.57% |
| 3 Year Change | -47.42% |
| 5 Year Change | -59.69% |
| Change since IPO | -48.67% |
Recent News & Updates
QFIN: Depressed Price And Dividend Yield Will Counter Tougher Regulatory Backdrop
The analyst price target for Qfin Holdings has been reduced materially, with fair value now assessed at $23.32 compared with $29.88 previously. Analysts point to a tougher operating environment, weaker loan volumes, higher perceived risk, and more conservative earnings assumptions reflected in lower future P/E expectations.Qfin Holdings: Downgrade On Liquidity Squeeze, Regulatory Headwinds, And More
Summary We downgrade Qfin Holdings, Inc. to Hold/Neutral due to deteriorating fundamentals, regulatory headwinds, and a liquidity shock impacting Q2 results. QFIN faces rising risk metrics, a contracting loan environment, and a one-off RMB 500mn tax hit, increasing earnings volatility and unpredictability. Despite operational challenges, QFIN's 2.5x forward earnings multiple, strong balance sheet, and 5% dividend yield limit further downside risk. We advise investors to stay on the sidelines for QFIN, as weak guidance and persistent macro/regulatory uncertainties undermine the bullish thesis. Read the full article on Seeking AlphaRecent updates
Shareholder Returns
| QFIN | US Consumer Finance | US Market | |
|---|---|---|---|
| 7D | -2.9% | -4.1% | -2.2% |
| 1Y | -70.6% | -4.8% | 13.1% |
Return vs Industry: QFIN underperformed the US Consumer Finance industry which returned -4.8% over the past year.
Return vs Market: QFIN underperformed the US Market which returned 13.1% over the past year.
Price Volatility
| QFIN volatility | |
|---|---|
| QFIN Average Weekly Movement | 8.1% |
| Consumer Finance Industry Average Movement | 7.1% |
| Market Average Movement | 6.9% |
| 10% most volatile stocks in US Market | 15.4% |
| 10% least volatile stocks in US Market | 2.9% |
Stable Share Price: QFIN has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: QFIN's weekly volatility (8%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2016 | 3,557 | 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 and post-facilitation services to financial institution partners under capital light model, intelligence credit engine, referral services, and other technology solutions. It serves financial institutions, consumers, and small and micro-enterprises.
Qfin Holdings, Inc. Fundamentals Summary
| QFIN fundamental statistics | |
|---|---|
| Market cap | US$1.05b |
| Earnings (TTM) | US$558.16m |
| Revenue (TTM) | US$2.50b |
Is QFIN overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| QFIN income statement (TTM) | |
|---|---|
| Revenue | CN¥16.77b |
| Cost of Revenue | CN¥7.90b |
| Gross Profit | CN¥8.87b |
| Other Expenses | CN¥5.13b |
| Earnings | CN¥3.74b |
Last Reported Earnings
Jun 30, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 30.80 |
| Gross Margin | 52.89% |
| Net Profit Margin | 22.32% |
| Debt/Equity Ratio | 14.3% |
How did QFIN perform over the long term?
See historical performance and comparisonDividends
Does QFIN pay a reliable dividends?
See QFIN dividend history and benchmarks| Qfin Holdings dividend dates | |
|---|---|
| Ex Dividend Date | Sep 09 2026 |
| Dividend Pay Date | Oct 01 2026 |
| Days until Ex dividend | 2 days |
| Days until Dividend pay date | 20 days |
Does QFIN pay a reliable dividends?
See QFIN dividend history and benchmarksCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/09/10 23:01 |
| End of Day Share Price | 2026/09/10 00:00 |
| Earnings | 2026/06/30 |
| Annual Earnings | 2025/12/31 |
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 |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* 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 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. 11 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 |
| You Fan | China International Capital Corporation Limited |