Logo
  • Home
  • AI Agent
  • Annotations
  • Files
  • Pricing and plans
  • BlogAboutContact us
    APIMCP
    Terms of servicePrivacy policy
  • Get the full experience

    We save the real magic for signed-in users.

QFIN US​
HomeStock ScreenerDocument SearchChartingWatchlistsRecent Filings
Logo
  • Home
  • AI Agent
  • Annotations
  • Files
  • Pricing and plans
  • BlogAboutContact us
    APIMCP
    Terms of servicePrivacy policy
  • Get the full experience

    We save the real magic for signed-in users.

QFIN US​
HomeStock ScreenerDocument SearchChartingWatchlistsRecent Filings

Qfin Holdings, Inc. American Depositary Receipt(QFIN US)

$5.31+0.163.11%Ext:$5.50+0.193.61%(Market Closed · 00:56:45 UTC)
ProfileFinancialsChartingShort InterestEmployees

Overview

Profile

Financials & Metrics

FinancialsChartingShort InterestEmployees

Qfin Holdings, Inc. American Depositary Receipt(QFIN US)

$5.31+0.163.11%Ext:$5.50+0.193.61%(Market Closed · 00:56:45 UTC)
ProfileFinancialsChartingShort InterestEmployees

Overview

Profile

Financials & Metrics

FinancialsChartingShort InterestEmployees
Ask AI
Ask AI

Qfin Holdings, Inc. American Depositary Receipt — Company Profile

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.

Sector
Financial Services
Industry
Financial - Credit Services
Exchange
UQ
CEO
Haisheng Wu
Headquarters
Shanghai, SH, CN
IPO Date
Dec 14, 2018
Employees
3,557
Website
www.qfin.com

Key Metrics

Price
$6.46
Market Cap
$841.00M
Revenue (TTM)
$3.56B
Net Income (TTM)
$404.77M
EPS (TTM)
6.66
P/E (TTM)
0.17
P/B (TTM)
0.03
Dividend Yield
11.61%
ROE (TTM)
24.05%
ROA (TTM)
10.18%
Operating Margin
33.86%
Beta
0.78

Dividends

Last Dividend
$0.78
Last Yield
0.12%

Summary

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.

Website
www.qfin.com
Location
Shanghai, SH, CN
Phone862161516360
Employees3,557
CEOHaisheng Wu
SectorFinancial Services
IndustryFinancial - Credit Services
IPO DateDec 14, 2018

Ask AI

Company overview
Business model, segments, and competition.
Peer comparison
Metrics vs closest competitors.
Guidance & outlook
Forward guidance and assumptions.
Bull vs bear case
Upside drivers and key risks.
Valuation snapshot
Multiples vs history and peers.
Competitive moat
Defensibility and market position.
Management track record
Leadership and capital allocation history.
How it makes money
A short diagram of the business model.

Latest Documents

News

  • QFIN DEADLINE NOTICE: ROSEN, A GLOBALLY RESPECTED LAW FIRM, Encourages Qfin Holdings, Inc. Investors to Secure Counsel Before Important Deadline in Securities Class Action - QFIN14 Nov
  • QFIN DEADLINE ALERT: ROSEN, LEADING TRIAL ATTORNEYS, Encourages Qfin Holdings, Inc. Investors to Secure Counsel Before Important Deadline in Securities Class Action - QFIN14 Nov
  • QFIN DEADLINE ALERT: Faruqi & Faruqi, LLP Reminds Qfin Holdings (QFIN) Investors of Securities Class Action Lawsuit Deadline on November 30, 202614 Nov
  • QFIN FINAL DEADLINE: ROSEN, A LEADING LAW FIRM, Encourages Qfin Holdings, Inc. Investors to Secure Counsel Before Important Deadline in Securities Class Action - QFIN13 Nov
  • QFIN STOCKHOLDER ALERT: Qfin Holdings, Inc. Investors Have Until November 30th to Contact Bragar Eagel & Squire, P.C. Seeking Lead Plaintiff Role13 Nov
  • Buy 8 November Dividend Power Dogs While You Can13 Nov
  • QFIN Deadline Imminent: BFA Law Reminds Qfin Holdings Investors of the Upcoming November 27 Deadline in Securities Fraud Class Action to Recover Losses13 Nov
  • QFIN Lead Plaintiff Deadline: Robbins LLP Reminds Qfin Holdings, Inc. Investors that the Last Day to Seek Lead Plaintiff Status is November 30, 202612 Nov
  • Kaplan Fox Alerts Qfin Holdings, Inc. (QFIN) Investors to an Approaching Lead Plaintiff Deadline on November 27, 202612 Nov
  • Did You Lose Money on Qfin Holdings, Inc. Stock? Faruqi & Faruqi, LLP Reminds Investors of November 30, 2026 Lead Plaintiff Deadline in Securities Class Action After 18.91% Share Price Decline12 Nov
  • QFIN DEADLINE ALERT: ROSEN, A LONGSTANDING LAW FIRM, Encourages Qfin Holdings, Inc. Investors to Secure Counsel Before Important Deadline in Securities Class Action - QFIN12 Nov
  • SHAREHOLDER ALERT: Bronstein Gewirtz & Grossman, LLC Announces Class Action Against Qfin Holdings, Inc. (NASDAQ: QFIN) — Investors Who Suffered Losses Are Encouraged to Contact the Firm12 Nov
  • Bronstein, Gewirtz & Grossman LLC Urges Qfin Holdings, Inc. Investors to Act: Class Action Filed Alleging Investor Harm12 Nov
  • QFIN DEADLINE: SueWallSt Reminds Qfin Holdings, Inc. Investors of Upcoming Securities Class Action Deadline12 Nov
  • Pomerantz Law Firm Announces the Filing of a Class Action Against Qfin Holdings, Inc. and Certain Officers - QFIN12 Nov
  • Qfin Holdings to Announce Third Quarter 2026 Unaudited Financial Results on November 24, 202612 Nov
  • QFIN DEADLINE: ROSEN, TRUSTED INVESTOR COUNSEL, Encourages Qfin Holdings, Inc. Investors to Secure Counsel Before Important Deadline in Securities Class Action - QFIN11 Nov
  • QFIN UPCOMING DEADLINE: Faruqi & Faruqi, LLP Reminds Qfin Holdings (QFIN) Investors of Securities Class Action Lawsuit Deadline on November 30, 202611 Nov
  • QFIN Shareholder Alert: Qfin Holdings, Inc. Securities Class Action Lawsuit - Investors With Losses May Contact Levi & Korsinsky11 Nov
  • DEADLINE ALERT for Fluence Energy, Inc. (FLNC), Qfin Holdings, Inc. (QFIN), Endava plc (DAVA), and Anavex Life Sciences Corp. (AVXL): The Law Offices of Frank R. Cruz Reminds Investors of Lead Plaintiff Deadlines in Securities Fraud Class Actions11 Nov

Key Stats

Trading

Px/Chg 1D$6.46 / -0.15%
Avg Volume1.58M
Beta0.78
Mkt Cap841.00M
FD Mkt Cap1.15B

Float

Shrs Out/Float130.19M / 111.18M
Short Float0.02%
Days to Cover2.52
Stock Repurchased$4.85B

Current Valuation

EV-3862481176.48
EV/EBITDA-0.37
EV/Sales-0.15
P/B0.03
P/S0.05
FCF Yield0.00%
ROE24.05%
ROA10.18%
Current Ratio0.47

Dividend

Cash$0.78
Yield11.61%
Yield (TTM)11.61%

Estimates

P/E0.17
Est P/E0.00
Est EPS0.96
Est PEG0.00

Valuation

Metric5Yr AvgMay '23May '24May '25May '26Oct '26
PRICE-BASED RATIOS
Price / Earnings1.070.620.801.050.812.08
Price / Sales0.240.150.210.380.200.24
Price / Book Value0.130.130.160.270.030.03
Price / Free Cash Flow0.320.430.490.710.000.00
ENTERPRISE VALUE METRICS
Enterprise Value-917.1-4,390.6138.23,549.8-20.5-3,862.5
Enterprise Value / Sales-0.23-0.270.010.21-0.01-1.09
Enterprise Value / EBITDA-0.72-0.490.020.44-0.02-3.55
Enterprise Value / EBIT-0.72-0.500.020.44-0.02-3.55

Financials

Full Financials
Millions CNY5Yr CAGR (%)Dec '21Dec '22Dec '23Dec '24Dec '25
INCOME STATEMENT
Revenue2.9%16,635.616,553.916,290.017,165.718,681.8
Gross Income4.4%12,836.711,697.810,447.510,603.815,227.7
EBITDA-7.6%9,930.48,916.97,984.58,080.77,243.3
EBIT-7.6%9,864.48,840.07,910.88,007.07,175.2
Net Income7.5%5,781.74,024.24,285.36,264.35,799.2
EPS (Diluted)24.6%35.5225.4226.0741.9085.58
BALANCE SHEET
Cash & ST Inv5.4%6,116.47,222.64,192.97,846.57,549.1
Total Assets14.2%33,505.040,343.245,818.648,132.656,949.8
Total Liabilities15.7%18,288.421,411.923,808.723,886.432,792.8
Total Shareholder Equity12.2%15,203.918,847.221,937.524,190.024,114.9
CASH FLOW
Net Operating Cash Flow17.6%5,789.75,922.57,118.49,343.311,083.7
Cap Ex75.6%-25.3-27.0-84.6-153.2-240.5
Free Cash Flow17.1%5,764.45,895.57,033.89,190.210,843.2

Enterprise Value Bridge

Millions CNY13 Nov '26
Price (As of 13 Nov '26)5.08
Basic Shares130.19
Market Cap660.7
Diluted Shares142.62
Fully Diluted Shares Outstanding142.62
Fully Diluted Market Cap723.8
+Consolidated Debt2,945.8
−In-the-Money Convertible Debt—
+Capital Leases-
+Operating Leases—
−Cash & Equivalents-7,683.3
−Short-term Investments-2,696.7
+Total Preferred-
−In-the-Money Convertible Preferred—
−Investments in Unconsolidated Subs—
+Non-Controlling Interest34.1
+Pension Liabilities—
Enterprise Value-4,042.8

Segment data

Revenue

by Products and services

  • Credit Risk Taking Model35%
  • Financial Service21%
  • Platform Service13%
  • Releasing Of Guarantee Liabilities9%
  • Referral Services7%

Related companies

Lion Group Holding Ltd

LGHL US

American Express Company

AXP US

Nu Holdings Ltd.

NU US

Strategy Inc

MSTR US

Guotai Junan Securities Co., Ltd.

GUOSF US

CITIC Securities Company Limited

CIIHY US

Coinbase Global, Inc.

COIN US

Affirm Holdings, Inc.

AFRM US

Synchrony Financial

SYF US

GF Securities Co., Ltd.

000776 CS

CSC Financial Co., Ltd.

601066 CG

China Merchants Securities Co., Ltd.

600999 CG

Qfin Holdings, Inc. American Depositary Receipt — Company Profile

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.

Sector
Financial Services
Industry
Financial - Credit Services
Exchange
UQ
CEO
Haisheng Wu
Headquarters
Shanghai, SH, CN
IPO Date
Dec 14, 2018
Employees
3,557
Website
www.qfin.com

Key Metrics

Price
$6.46
Market Cap
$841.00M
Revenue (TTM)
$3.56B
Net Income (TTM)
$404.77M
EPS (TTM)
6.66
P/E (TTM)
0.17
P/B (TTM)
0.03
Dividend Yield
11.61%
ROE (TTM)
24.05%
ROA (TTM)
10.18%
Operating Margin
33.86%
Beta
0.78

Dividends

Last Dividend
$0.78
Last Yield
0.12%

Summary

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.

Website
www.qfin.com
Location
Shanghai, SH, CN
Phone862161516360
Employees3,557
CEOHaisheng Wu
SectorFinancial Services
IndustryFinancial - Credit Services
IPO DateDec 14, 2018

Ask AI

Company overview
Business model, segments, and competition.
Peer comparison
Metrics vs closest competitors.
Guidance & outlook
Forward guidance and assumptions.
Bull vs bear case
Upside drivers and key risks.
Valuation snapshot
Multiples vs history and peers.
Competitive moat
Defensibility and market position.
Management track record
Leadership and capital allocation history.
How it makes money
A short diagram of the business model.

Latest Documents

News

  • QFIN DEADLINE NOTICE: ROSEN, A GLOBALLY RESPECTED LAW FIRM, Encourages Qfin Holdings, Inc. Investors to Secure Counsel Before Important Deadline in Securities Class Action - QFIN14 Nov
  • QFIN DEADLINE ALERT: ROSEN, LEADING TRIAL ATTORNEYS, Encourages Qfin Holdings, Inc. Investors to Secure Counsel Before Important Deadline in Securities Class Action - QFIN14 Nov
  • QFIN DEADLINE ALERT: Faruqi & Faruqi, LLP Reminds Qfin Holdings (QFIN) Investors of Securities Class Action Lawsuit Deadline on November 30, 202614 Nov
  • QFIN FINAL DEADLINE: ROSEN, A LEADING LAW FIRM, Encourages Qfin Holdings, Inc. Investors to Secure Counsel Before Important Deadline in Securities Class Action - QFIN13 Nov
  • QFIN STOCKHOLDER ALERT: Qfin Holdings, Inc. Investors Have Until November 30th to Contact Bragar Eagel & Squire, P.C. Seeking Lead Plaintiff Role13 Nov
  • Buy 8 November Dividend Power Dogs While You Can13 Nov
  • QFIN Deadline Imminent: BFA Law Reminds Qfin Holdings Investors of the Upcoming November 27 Deadline in Securities Fraud Class Action to Recover Losses13 Nov
  • QFIN Lead Plaintiff Deadline: Robbins LLP Reminds Qfin Holdings, Inc. Investors that the Last Day to Seek Lead Plaintiff Status is November 30, 202612 Nov
  • Kaplan Fox Alerts Qfin Holdings, Inc. (QFIN) Investors to an Approaching Lead Plaintiff Deadline on November 27, 202612 Nov
  • Did You Lose Money on Qfin Holdings, Inc. Stock? Faruqi & Faruqi, LLP Reminds Investors of November 30, 2026 Lead Plaintiff Deadline in Securities Class Action After 18.91% Share Price Decline12 Nov
  • QFIN DEADLINE ALERT: ROSEN, A LONGSTANDING LAW FIRM, Encourages Qfin Holdings, Inc. Investors to Secure Counsel Before Important Deadline in Securities Class Action - QFIN12 Nov
  • SHAREHOLDER ALERT: Bronstein Gewirtz & Grossman, LLC Announces Class Action Against Qfin Holdings, Inc. (NASDAQ: QFIN) — Investors Who Suffered Losses Are Encouraged to Contact the Firm12 Nov
  • Bronstein, Gewirtz & Grossman LLC Urges Qfin Holdings, Inc. Investors to Act: Class Action Filed Alleging Investor Harm12 Nov
  • QFIN DEADLINE: SueWallSt Reminds Qfin Holdings, Inc. Investors of Upcoming Securities Class Action Deadline12 Nov
  • Pomerantz Law Firm Announces the Filing of a Class Action Against Qfin Holdings, Inc. and Certain Officers - QFIN12 Nov
  • Qfin Holdings to Announce Third Quarter 2026 Unaudited Financial Results on November 24, 202612 Nov
  • QFIN DEADLINE: ROSEN, TRUSTED INVESTOR COUNSEL, Encourages Qfin Holdings, Inc. Investors to Secure Counsel Before Important Deadline in Securities Class Action - QFIN11 Nov
  • QFIN UPCOMING DEADLINE: Faruqi & Faruqi, LLP Reminds Qfin Holdings (QFIN) Investors of Securities Class Action Lawsuit Deadline on November 30, 202611 Nov
  • QFIN Shareholder Alert: Qfin Holdings, Inc. Securities Class Action Lawsuit - Investors With Losses May Contact Levi & Korsinsky11 Nov
  • DEADLINE ALERT for Fluence Energy, Inc. (FLNC), Qfin Holdings, Inc. (QFIN), Endava plc (DAVA), and Anavex Life Sciences Corp. (AVXL): The Law Offices of Frank R. Cruz Reminds Investors of Lead Plaintiff Deadlines in Securities Fraud Class Actions11 Nov

Key Stats

Trading

Px/Chg 1D$6.46 / -0.15%
Avg Volume1.58M
Beta0.78
Mkt Cap841.00M
FD Mkt Cap1.15B

Float

Shrs Out/Float130.19M / 111.18M
Short Float0.02%
Days to Cover2.52
Stock Repurchased$4.85B

Current Valuation

EV-3862481176.48
EV/EBITDA-0.37
EV/Sales-0.15
P/B0.03
P/S0.05
FCF Yield0.00%
ROE24.05%
ROA10.18%
Current Ratio0.47

Dividend

Cash$0.78
Yield11.61%
Yield (TTM)11.61%

Estimates

P/E0.17
Est P/E0.00
Est EPS0.96
Est PEG0.00

Valuation

Metric5Yr AvgMay '23May '24May '25May '26Oct '26
PRICE-BASED RATIOS
Price / Earnings1.070.620.801.050.812.08
Price / Sales0.240.150.210.380.200.24
Price / Book Value0.130.130.160.270.030.03
Price / Free Cash Flow0.320.430.490.710.000.00
ENTERPRISE VALUE METRICS
Enterprise Value-917.1-4,390.6138.23,549.8-20.5-3,862.5
Enterprise Value / Sales-0.23-0.270.010.21-0.01-1.09
Enterprise Value / EBITDA-0.72-0.490.020.44-0.02-3.55
Enterprise Value / EBIT-0.72-0.500.020.44-0.02-3.55

Financials

Full Financials
Millions CNY5Yr CAGR (%)Dec '21Dec '22Dec '23Dec '24Dec '25
INCOME STATEMENT
Revenue2.9%16,635.616,553.916,290.017,165.718,681.8
Gross Income4.4%12,836.711,697.810,447.510,603.815,227.7
EBITDA-7.6%9,930.48,916.97,984.58,080.77,243.3
EBIT-7.6%9,864.48,840.07,910.88,007.07,175.2
Net Income7.5%5,781.74,024.24,285.36,264.35,799.2
EPS (Diluted)24.6%35.5225.4226.0741.9085.58
BALANCE SHEET
Cash & ST Inv5.4%6,116.47,222.64,192.97,846.57,549.1
Total Assets14.2%33,505.040,343.245,818.648,132.656,949.8
Total Liabilities15.7%18,288.421,411.923,808.723,886.432,792.8
Total Shareholder Equity12.2%15,203.918,847.221,937.524,190.024,114.9
CASH FLOW
Net Operating Cash Flow17.6%5,789.75,922.57,118.49,343.311,083.7
Cap Ex75.6%-25.3-27.0-84.6-153.2-240.5
Free Cash Flow17.1%5,764.45,895.57,033.89,190.210,843.2

Enterprise Value Bridge

Millions CNY13 Nov '26
Price (As of 13 Nov '26)5.08
Basic Shares130.19
Market Cap660.7
Diluted Shares142.62
Fully Diluted Shares Outstanding142.62
Fully Diluted Market Cap723.8
+Consolidated Debt2,945.8
−In-the-Money Convertible Debt—
+Capital Leases-
+Operating Leases—
−Cash & Equivalents-7,683.3
−Short-term Investments-2,696.7
+Total Preferred-
−In-the-Money Convertible Preferred—
−Investments in Unconsolidated Subs—
+Non-Controlling Interest34.1
+Pension Liabilities—
Enterprise Value-4,042.8

Segment data

Revenue

by Products and services

  • Credit Risk Taking Model35%
  • Financial Service21%
  • Platform Service13%
  • Releasing Of Guarantee Liabilities9%
  • Referral Services7%

Related companies

Lion Group Holding Ltd

LGHL US

American Express Company

AXP US

Nu Holdings Ltd.

NU US

Strategy Inc

MSTR US

Guotai Junan Securities Co., Ltd.

GUOSF US

CITIC Securities Company Limited

CIIHY US

Coinbase Global, Inc.

COIN US

Affirm Holdings, Inc.

AFRM US

Synchrony Financial

SYF US

GF Securities Co., Ltd.

000776 CS

CSC Financial Co., Ltd.

601066 CG

China Merchants Securities Co., Ltd.

600999 CG