Qfin Holdings, Inc. (QFIN)
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No price history available.
Key financial summary
Financials in CNY| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total revenue | CNY bn | 14 | 17 | 17 | 16 | 17 | 19 | 16 | 13 |
| Operating profit | CNY bn | 6 | 5 | ||||||
| Net profit | CNY bn | 3 | 6 | 4 | 4 | 6 | 6 | 4 | 2 |
| EPS reported | CNY | 85.58 | 47.02 | ||||||
| Operating cashflow per share | CNY | 83.18 | 73.33 | ||||||
| Capex per share | CNY | 1.81 | 21.93 | ||||||
| FCF per share | CNY | 81.38 | 51.40 | ||||||
| Free cash flow | CNY bn | 11 | 6 | ||||||
| Net debt | CNY bn | -4 | -7 | ||||||
| Book value equity | CNY bn | 24 | 25 | ||||||
| Book value per share | CNY | 177.2 | 173.6 | ||||||
| Number of shares | m | 136.09 | 142.62 | ||||||
| DPS (TTM paid) | CNY | 10.74 | 8.41 |
Financial summary
Financials in CNY| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 1.58 | 0.97 | ||||||
| P/B LTM | x | 0.74 | 0.73 | ||||||
| P/S LTM | x | 0.96 | 1.12 | ||||||
| P/FCF LTM | x | 1.66 | 3.16 | ||||||
| EV/EBITDA LTM | x | 2.36 | 3.01 | ||||||
| EV/Sales LTM | x | 1.06 | 0.42 | ||||||
| Earnings Yield LTM | % | +63.29% | +103.09% | ||||||
| FCF Yield | % | +60.39% | +31.66% | ||||||
| Quality | |||||||||
| ROE | % | +24.84% | +20.90% | ||||||
| ROIC | % | +17.48% | +13.24% | ||||||
| Operating margin | % | +45.87% | +32.37% | ||||||
| Gross margin | % | +74.01% | +73.79% | ||||||
| FCF/Sales | % | +67.43% | +41.31% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +104.25% | +12.22% | ||||||
| Sales Growth YoY | % | +8.83% | -6.32% | ||||||
| Net Income Growth YoY | % | -7.43% | -40.30% | ||||||
| FCF Growth | % | +17.99% | -38.15% | ||||||
| Operating Profit Growth | % | -15.98% | -32.29% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +7.68% | +12.55% | ||||||
| Dividend Growth | % | +16.25% | -9.01% | ||||||
| Payout Ratio | % | +11.83% | 0.00% | ||||||
| FCF/Debt | x | 2.84 | 1.93 | ||||||
| Net Debt/EBITDA | x | -0.12 | -0.43 | ||||||
| EBIT/Net interest | x | 0.00 | 0.00 | ||||||
| Net debt/market cap | % | +21.19% | +20.35% | ||||||
| Net debt/Equity | x | -0.16 | -0.30 | ||||||
| Gross debt/equity | x | 0.16 | 0.12 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Qfin Holdings, Inc. (QFIN)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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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