QFIN logo

QFIN HOLDINGS INC-ADR

QFINNASDAQ
🏆 #3946 by market capEarnings Nov 16US Equity
$6.75▼ $0.28 (−4.12%)
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24h▼ 4.1%
7d▼ 14.2%
14d▼ 16.3%
30d▼ 23.3%
ytd▼ 65.0%
1y▼ 77.3%
🏦Market Cap
$1.66B
Small Cap
📈Revenue Growth (YoY)
-10.6%
Declining
📊Gross Margin
82.1%
High
💵FCF Margin
52.7%
Strong
⚖️P/S Ratio
0.4x
Cheap
Otter Score
64
Fair

Trading Snapshot

Day Range
$6.65 – $6.86
52-Week Range
—
Volume
$3.33B
Avg Volume
$2.67B
Shares Outstanding
246.2M
Next Earnings
Oct 18, 2026

Fundamentals Snapshot

Annual Revenue
$370M
Last Q Revenue
$87M
P/E Ratio
1.7
P/S Ratio
0.4x
EPS (TTM)
—
Dividend Yield
10.77%

Why Investors Own QFIN

  • ✓High-growth profile — revenue up -3.1% YoY with expanding US Equity exposure.
  • ✓Healthy economics — 71% gross margin and 7% free-cash-flow margin.
  • ✓New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

QFIN logo

QFIN HOLDINGS INC-ADR

QFIN
Financial Trends
Revenue (TTM)The total money the company brought in from sales, before subtracting any costs.
$370M▲ +0.6% YoY
Gross Margin (TTM)Of every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
70.9%▲ +0.8% YoY
Operating Income (TTM)Profit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$93M▲ +0.6% YoY
Free Cash Flow (TTM)Cash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$27M▲ +0.6% YoY
StockOtter · stockotter.space

About QFIN HOLDINGS INC-ADR

Qifu Technology, Inc. (QFIN), known as 360 DigiTech, Inc. until its rebranding in March 2023, is a credit technology firm based in the People's Republic of China. Through its 360 Jietiao platform, the company facilitates credit-driven services by connecting borrowers with financial institutions. Its comprehensive offerings cover the entire lending lifecycle, including identifying and acquiring customers, performing initial and advanced credit screenings, conducting sophisticated risk assessments, evaluating creditworthiness, matching funds, and providing ongoing post-facilitation support. Additionally, Qifu Technology furnishes its financial partners with platform services, utilizing an intelligent credit engine, referral systems, and risk management software-as-a-service (SaaS) to streamline loan origination and subsequent management. The company specializes in various loan types, such as e-commerce, enterprise, and invoice loans, catering particularly to the needs of small and micro-enterprise owners. Serving a broad clientele that includes financial institutions, individual consumers, and SMEs, Qifu Technology was founded in 2016 and maintains its headquarters in Shanghai, China.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5★ and equally weighted (20%), averaged to a 0–100 score:💎 Quality — gross margin🚀 Growth — revenue YoY⚖️ Valuation — P/S ratio⚡ Momentum — 30-day price change💧 Dilution — 1-yr share issuance (buybacks score higher)
💎Quality★★★★★
🚀Growth★★★★★
⚖️Valuation★★★★★
⚡Momentum★★★★★
💧Dilution★★★★★
Overall Score
Fair
64/100

Analyst Price Target

ⓘ
Average Target
$8.83
▲ +30.8% Upside
High Target$9.66
Low Target$6.79
Based on 24 analysts

Latest News & Updates

🚀
MarketWatch·2h ago

QFIN HOLDINGS INC-ADR tops quarterly estimates as demand accelerates

Revenue grew double digits with management guiding above consensus; margins continued to expand.

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Reuters·5h ago

Analysts lift QFIN price targets on improving margins

Several firms raised targets, citing stronger free cash flow and a healthier backlog.

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Barron’s·1d ago

QFIN HOLDINGS INC-ADR announces new agreement to expand its footprint

The move broadens the company’s reach and could add incremental revenue over the next year.