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QFIN
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QFINQfin Holdings, Inc.
$5.58$726M
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
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QFIN logo

Qfin Holdings, Inc.

QFIN
NASDAQ · Consumer Finance
$5.58
At close - Nov 6, 4:00 PM EST - USD
Market Cap$726M
P/E1.4x
52W High$23.79
Volume2.16M
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q2

Compressing Margins and Contracting Base Pressure Earnings

QFIN faces a challenging inflection point as accelerating net interest income decline and net interest margin compression are eroding profitability, with Q2 2026 NII falling 18.2% year-over-year and NIM contracting to 3.5%.

GrowthMixed
ProfitabilityStrained
ValuationReview
TechnicalsWeak
Explore valuation models
MARKET ACTION

QFIN price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

7/12 Beats

EPS beat 7 of last 12 quarters

02

Valuation risk

-85% Peers

P/E is 85% below peer median

03

Market leadership

RS 10 · Lag

Laggard (Underperforming 90% of market)

04

Weak Trend

Below 200DMA

Price < 200DMA

Next CatalystConfirmed earnings · Nov 18

Market performance

Price History →

Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
QFIN-60.10%
S&P 500 (^GSPC)+7.63%
1-Year Return
QFIN-66.34%
S&P 500 (^GSPC)+9.69%
3-Year Return
QFIN-36.06%
S&P 500 (^GSPC)+70.21%
5-Year Return
QFIN-43.68%
S&P 500 (^GSPC)+58.09%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y High
1.4x
Forward P/EExpansion
0.3x
EV/EBITDA100th %ile
0.8x
FCF YieldCash Flow
117.4%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
1.4x
0.6x
100th· High
EV/EBITDA
0.8x
0.4x
100th· High
Price/FCF
0.9x
0.6x
100th· High
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$78.12+1300.0%
Base (Fair)$93.35+1053.9%
Bull$108.93+1852.2%
$78.12 Bear$93.35 Base$108.93 Bull
Current Market Price: $5.58
Trades at a 94.0% discount to Base DCF ($93.35)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue FY25
$16.08B-6.3% YoY
Net income FY25
$5.99B-4.4% YoY
Free cash flow FY25
$10.84B+18.0% YoY
Operating margin FY25
45.9%+2.0 pts YoY
ROIC (FY25)20.6%
Avg ROIC 5Y24.2%
ROE (TTM)15.3%
Piotroski Score5 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate7/12 (58%)
Revenue Beat Rate5/12 (42%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Aug 25, 2026
$0.48-50.0%
vs $0.96
$525M-6.7%
vs $562M
Q2 2026
May 26, 2026
$1.04+8.3%
vs $0.96
$567M+18.8%
vs $477M
Q2 2026
Mar 17, 2026
$1.12-0.9%
vs $1.13
$585M-9.2%
vs $644M
Q4 2025
Nov 18, 2025
$1.52-9.5%
vs $1.68
$731M+10.0%
vs $665M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

4 Stories
GlobeNewsWire·2d ago
QFIN STOCKHOLDER ALERT: Qfin Holdings, Inc. Investors Have Until November 30th to Contact Bragar Eagel & Squire, P.C. Seeking Lead Plaintiff Role

Bragar Eagel & Squire, P.C.  Litigation Partner  Brandon Walker  Encourages Investors Who Suffered Losses In Qfin (QFIN) To Contact Him Directly To Discuss Their Options

Newsfile Corp·2d ago
Kaplan Fox Reminds Qfin Holdings, Inc. (QFIN) Investors to Seek a Leadership Role Before Deadline on November 27, 2026

New York, New York--(Newsfile Corp. - November 5, 2026) - Kaplan Fox & Kilsheimer LLP announces that a class action lawsuit has been filed against Qfin Holdings, Inc. ("Qfin" or the "Company") (NASDAQ: QFIN) on behalf of investors that purchased or otherwise acquired Qfin securities between March 18, 2026 and August 25, 2026 (the "Class Period"). CLICK HERE TO JOIN THE CASE If you are an investor in Qfin and have suffered losses, you may CLICK HERE to contact us.

PRNewsWire·4d ago
What Does Qfin Holdings, Inc.'s 18.91% Stock Drop Mean for Investors? The Law Offices of Howard G.

Suit alleges Qfin Holdings, Inc. failed to disclose key facts to investors from March 18, 2026 through August 25, 2026; lead plaintiff deadline is November 30, 2026 BENSALEM TOWNSHIP, Pa., Nov. 3, 2026 /PRNewswire/ -- The Law Offices of Howard G.

PRNewsWire·6d ago
What Should Qfin Holdings, Inc. Investors Know After 18.91% Stock Drop? The Law Offices of Frank R.

Lawsuit alleges Qfin Holdings, Inc. made misleading statements to investors from March 18, 2026 to August 25, 2026; lead plaintiff motions are due November 30, 2026 LOS ANGELES, Nov. 2, 2026 /PRNewswire/ -- The Law Offices of Frank R. Cruz today announced a class action lawsuit against Qfin Holdings, Inc. ("Qfin" or the "Company") (NASDAQ: QFIN) on behalf of investors who acquired the Company's securities from March 18, 2026 to August 25, 2026.

Filtered for Qfin Holdings, Inc.More Headlines
04

Compare before deciding

Benchmark QFIN against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Qfin Holdings, Inc. (QFIN)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
QFIN logoQFINQfin Holdings, Inc.Current
$5.58$726.43M1.42-6.31%23.45%15.33%27.23%
LX logoLXLexinFintech Holdings Ltd.
$0.66$111.49M0.71-11.61%8.07%8.64%48.98%
FINV logoFINVFinVolution Group
$2.94$730.29M2.591.03%14.53%4.49%9.76%
CNF logoCNFCNFinance Holdings Limited
$2.00$9.99M-0.08-84.11%—-24.56%—
UPST logoUPSTUpstart Holdings, Inc.
$21.89$2.1B42.1762.84%4.93%8.1%—
HAPN logoHAPNHappen, Inc. Common Stock
$15.96$1.84B8.9114.97%15.88%13.62%—

Compare QFIN vs Peers

Qfin Holdings, Inc. (QFIN) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs LX

Most directly comparable listed peer for QFIN.

Scale Benchmark

vs QCOM

Larger-name benchmark to compare QFIN against a more recognizable public peer.

Peer Set

Compare Top 5

vs LX, FINV, CNF, UPST

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QFIN Frequently Asked Questions

Qfin Holdings, Inc. (QFIN) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Qfin Holdings, Inc. growing?

Qfin Holdings, Inc. (QFIN) revenue fell by 7.5% over the trailing twelve months, compared with the twelve months before.

Is QFIN profitable?

Yes. Qfin Holdings, Inc. (QFIN) earned $3.74B in net income over the trailing twelve months (a 23.4% net margin).

Dividend & Returns
Does QFIN pay dividends?

Yes. Qfin Holdings, Inc. (QFIN) pays a dividend that yields 27.23% at the current price, a high yield.

What is QFIN's return on equity?

Qfin Holdings, Inc. (QFIN) had a return on equity (ROE) of 15.3% over the trailing twelve months. That is above the market's typical 10-15%.

Industry Metrics
What is Qfin Holdings, Inc.'s net interest margin?

Qfin Holdings, Inc. (QFIN) has a net interest margin (NIM) of 0.5%. NIM has been under pressure due to interest rate environment.

What is Qfin Holdings, Inc.'s efficiency ratio?

Qfin Holdings, Inc. (QFIN) has an efficiency ratio of 28.1%. This is excellent, indicating strong cost control.

What if you invested $1,000 in QFIN back in 2016?

Total return calculator · dividends reinvested · 10+ years of data

See returns →