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Qfin Holdings, Inc. American Depositary Shares (QFIN)
Price$14.53
Value ScoreA
Growth ScoreC
Momentum ScoreD
Favorite Metrics
Price vs S&P 500 (26W)-33.53%
Price vs S&P 500 (4W)10.50%
VGM Score56.09
Market Capitalization$272.34M
P/E Ratio (Annual)2.10x
Indicated Dividend Yield (Annual)9.94%
All Metrics
P/CF (Annual)1.13x
Book Value / Share (Quarterly)$12.58
P/TBV (Annual)0.64x
Indicated Dividend (Annual)$0.23
Revenue Growth (3Y)5.08%
Cash Flow / Share (Quarterly)$5.69
Price vs S&P 500 (YTD)-32.76%
Gross Margin (TTM)83.15%
Net Profit Margin (TTM)27.53%
EPS (TTM)$2.86
10-Day Avg Trading Volume2.77M
EPS Excl Extra (TTM)$2.86
Revenue Growth (5Y)7.20%
EPS (Annual)$3.24
Dividend / Share (Annual)$0.62
ROI (Annual)21.10%
Gross Margin (Annual)84.37%
Net Profit Margin (5Y Avg)30.61%
Cash / Share (Quarterly)$5.66
P/E Basic Excl Extra (TTM)2.48x
Revenue Growth QoQ (YoY)-16.66%
EPS Growth (5Y)14.08%
P/E Normalized (Annual)2.10x
ROA (Last FY)10.52%
Revenue Growth TTM (YoY)4.07%
EBITD / Share (TTM)$3.44
ROE (5Y Avg)25.93%
Operating Margin (TTM)32.93%
Cash Flow / Share (Annual)$4.76
P/B Ratio0.52x
P/B Ratio (Quarterly)0.47x
Net Income / Employee (Annual)$247,938
EV / Revenue (TTM)0.49x
Net Interest Coverage (TTM)45.28x
ROA (TTM)8.74%
EPS Growth QoQ (YoY)-43.21%
EV / EBITDA (TTM)1.50x
EPS Incl Extra (Annual)$3.24
Current Ratio (Annual)2.43x
Quick Ratio (Quarterly)2.15x
3-Month Avg Trading Volume1.57M
52-Week Price Return-66.19%
EV / Free Cash Flow (Annual)0.84x
P/E Incl Extra (TTM)2.48x
Revenue / Employee (TTM)$762,646
Tangible BV / Share (Quarterly)$12.07
P/S Ratio (Annual)0.65x
Asset Turnover (Annual)0.34x
52-Week High$46.18
Operating Margin (5Y Avg)35.53%
EPS Excl Extra (Annual)$3.24
CapEx CAGR (5Y)73.50%
Tangible BV CAGR (5Y)19.54%
26-Week Price Return-25.60%
Quick Ratio (Annual)2.39x
13-Week Price Return-1.29%
Total Debt / Equity (Annual)0.18x
Current Ratio (Quarterly)2.22x
Enterprise Value$1.34B
Revenue / Share Growth (5Y)9.82%
Asset Turnover (TTM)0.32x
Book Value / Share Growth (5Y)28.18%
Revenue / Employee (Annual)$794,980
Pretax Margin (Annual)38.41%
Cash / Share (Annual)$4.07
3-Month Return Std Dev71.52%
Gross Margin (5Y Avg)84.65%
Net Income / Employee (TTM)$209,994
EBITDA CAGR (5Y)12.90%
EBITDA Interim CAGR (5Y)-6.83%
ROE (Last FY)24.84%
Net Interest Coverage (Annual)440.51x
EPS Basic Excl Extra (Annual)$3.24
P/FCF (TTM)1.21x
Receivables Turnover (TTM)12.20x
EV / Free Cash Flow (TTM)0.87x
Total Debt / Equity (Quarterly)0.09x
EPS Incl Extra (TTM)$2.86
Receivables Turnover (Annual)12.14x
ROI (TTM)17.51%
P/S Ratio (TTM)0.68x
Pretax Margin (5Y Avg)37.53%
Revenue / Share (Annual)$10.39
Tangible BV / Share (Annual)$12.04
Forward P/E3.84x
Free OCF CAGR (5Y)15.35%
Price vs S&P 500 (52W)-90.55%
P/E Ratio (TTM)2.48x
EPS Growth TTM (YoY)-17.40%
Year-to-Date Return-24.60%
5-Day Price Return-14.07%
EPS Normalized (Annual)$3.24
ROA (5Y Avg)12.02%
Net Profit Margin (Annual)31.19%
Month-to-Date Return-9.64%
EBITD / Share (Annual)$3.80
EPS Growth (3Y)20.76%
Operating Margin (Annual)36.18%
LT Debt / Equity (Annual)0.08x
P/CF (TTM)1.21x
ROI (5Y Avg)24.48%
P/E Excl Extra (TTM)2.48x
LT Debt / Equity (Quarterly)0.03x
EPS Basic Excl Extra (TTM)$2.86
P/TBV (Quarterly)0.49x
Payout Ratio (Annual)23.01%
P/B Ratio (Annual)0.62x
Pretax Margin (TTM)34.18%
Book Value / Share (Annual)$12.54
Price vs S&P 500 (13W)-9.55%
Net Margin Growth (5Y)3.88%
Dividend Yield (TTM)10.77%
Beta0.63x
P/FCF (Annual)1.16x
Revenue / Share (TTM)$11.01
ROE (TTM)20.96%
52-Week Low$11.31
vGradeA
gGradeC
mGradeD
vgmGradeC
Show chart for
Earnings Surprise History
Q1 261.13est. 0.96
Analyst Recommendations
Mar 2026
Apr 2026
May 2026
Jun 2026
4.26
4.26
4.26
4.16
Industry Peers — Finance Services(153)
| Symbol | Value Score | Growth Score | Momentum Score | Price |
|---|---|---|---|---|
QFINQfin Holdings, Inc. American Depositary Shares | A | C | D | $14.53 |
| AXPAmerican Express Company | D | B | B | $310.66 |
| NUNu Holdings Ltd. | D | B | C | $11.97 |
| MSTRStrategy Inc Common Stock Class A | D | D | D | $120.44 |
| COINCoinbase Global, Inc. Class A Common Stock | D | C | D | $152.40 |
| SYFSYNCHRONY FINANCIAL | B | C | B | $70.84 |
| SOFISoFi Technologies, Inc. Common Stock | D | B | C | $16.03 |
| CRCLCircle Internet Group, Inc. | D | C | C | $80.28 |
| IRENIREN Limited Ordinary Shares | F | B | B | $54.35 |
| WULFTeraWulf Inc. Common Stock | F | B | A | $24.00 |
| HUTHut 8 Corp. Common Stock | F | A | A | $112.24 |
About
Qfin Holdings Inc is a Chinese credit-technology platform that connects financial institutions with consumers and small-to-medium enterprises. The company provides technology solutions that help financial institutions assess creditworthiness, identify prospective borrowers through multiple channels, and optimize credit risk management and collection efficiency. By leveraging its Credit-Tech platform, Qfin makes credit services more accessible and personalized while improving lending outcomes for its institutional partners.