Last 36 quarters of trend data · Financial Services · Consumer Finance
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 1.42 | 0.60 | 0.23 | 0.31 | 0.67 | 0.86 | 0.89 | 0.71 | 0.63 | 0.55 | 0.63 | 0.59 | 0.55 | 0.63 | 0.86 | 0.98 | 0.50 | 0.69 | 0.52 | 0.70 | 0.52 |
| — | -29.9% | -74.8% | -56.2% | +7.0% | +55.8% | +43.0% | +21.6% | +14.1% | -13.0% | -27.3% | -39.8% | +9.9% | -8.6% | +64.7% | +39.9% | -5.0% | -36.1% | -31.5% | +79.3% | +37.3% | |
| P/S Ratio | 0.30 | 0.16 | 0.12 | 0.18 | 0.18 | 0.34 | 0.39 | 0.31 | 0.25 | 0.18 | 0.18 | 0.14 | 0.15 | 0.22 | 0.28 | 0.25 | 0.16 | 0.20 | 0.17 | 0.24 | 0.21 |
| — | -53.4% | -69.1% | -40.5% | -27.2% | +85.5% | +123.0% | +117.8% | +71.1% | -15.7% | -37.8% | -43.7% | -6.4% | +11.5% | +64.5% | +4.2% | -24.1% | -59.9% | -48.6% | +51.3% | +39.4% | |
| P/B Ratio | 0.21 | 0.09 | 0.08 | 0.10 | 0.16 | 0.24 | 0.28 | 0.23 | 0.19 | 0.13 | 0.13 | 0.12 | 0.12 | 0.14 | 0.16 | 0.17 | 0.12 | 0.16 | 0.15 | 0.24 | 0.23 |
| — | -62.8% | -72.7% | -54.5% | -18.3% | +81.2% | +108.8% | +97.2% | +61.1% | -1.5% | -18.5% | -33.3% | +3.9% | -15.8% | +6.7% | -28.1% | -50.2% | -69.9% | -60.0% | +24.8% | +3.3% | |
| P/FCF | 0.85 | 0.52 | 0.22 | — | 0.38 | 0.56 | 0.57 | 0.48 | 0.47 | 0.39 | 0.38 | 0.28 | 0.51 | 0.41 | 0.46 | 0.46 | 0.33 | 0.62 | 0.43 | 0.46 | 0.46 |
| — | -7.6% | -61.5% | — | -17.8% | +44.4% | +52.1% | +69.9% | -8.4% | -4.1% | -17.7% | -39.2% | +56.1% | -34.4% | +4.9% | +0.4% | -29.2% | -53.8% | -68.8% | +13.7% | +41.9% | |
| EV / EBITDA | 0.81 | -0.57 | -0.43 | 0.36 | 0.53 | 0.80 | 0.45 | 0.32 | 0.13 | -0.28 | -0.30 | -0.15 | -0.29 | -0.39 | -0.40 | -0.88 | -0.96 | -0.75 | -0.56 | -0.32 | -0.08 |
| — | -171.5% | -197.2% | +12.0% | +316.8% | +387.1% | +246.8% | +308.2% | +143.2% | +29.0% | +24.2% | +82.7% | +69.5% | +47.9% | +28.6% | -177.9% | -1086.7% | -415.7% | -126.8% | +26.8% | +83.1% | |
| EV / EBIT | 0.54 | -0.57 | -0.43 | 0.36 | 0.37 | 0.80 | 0.45 | 0.28 | 0.12 | -0.31 | -0.25 | -0.10 | -0.19 | -0.39 | -0.40 | -0.90 | -0.96 | -0.78 | -0.56 | -0.33 | -0.08 |
| — | -171.5% | -197.2% | +25.5% | +195.9% | +353.9% | +278.5% | +395.5% | +166.7% | +19.7% | +37.7% | +89.3% | +80.6% | +49.6% | +28.6% | -176.5% | -1086.7% | -422.6% | -126.8% | +25.5% | +83.1% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 74.0% | 77.4% | 45.5% | 56.1% | 65.0% | 78.7% | 78.0% | 66.0% | 68.0% | 56.7% | 55.7% | 62.6% | 67.4% | 81.4% | 81.7% | 79.6% | 92.5% | 86.5% | 84.7% | 91.3% | 85.8% |
| — | -1.7% | -41.6% | -15.0% | -4.5% | +39.0% | +40.0% | +5.4% | +1.0% | -30.4% | -31.8% | -21.3% | -27.2% | -5.9% | -3.6% | -12.8% | +7.9% | -2.0% | -8.2% | -2.4% | -7.8% | |
| Operating Margin | 45.9% | 32.0% | 29.3% | 33.8% | 32.7% | 50.2% | 54.7% | 42.2% | 52.4% | 47.7% | 32.8% | 28.5% | 32.4% | 41.6% | 39.0% | 31.4% | 35.6% | 32.6% | 38.9% | 40.6% | 48.9% |
| — | -36.3% | -46.5% | -19.8% | -37.7% | +5.2% | +66.5% | +48.2% | +61.5% | +14.8% | -15.8% | -9.4% | -9.0% | +27.6% | +0.2% | -22.6% | -27.1% | -42.3% | -25.1% | -13.8% | +3.7% | |
| Net Margin | 37.2% | 11.4% | 23.3% | 29.9% | 27.6% | 40.1% | 44.3% | 42.8% | 41.3% | 33.2% | 28.0% | 24.7% | 26.7% | 33.4% | 33.1% | 26.7% | 30.2% | 27.6% | 33.0% | 34.8% | 39.8% |
| — | -71.6% | -47.5% | -30.1% | -33.1% | +20.7% | +58.2% | +72.9% | +54.6% | -0.6% | -15.2% | -7.4% | -11.7% | +20.8% | +0.1% | -23.2% | -24.1% | -38.2% | -24.3% | -17.1% | -0.1% |
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 24.7% | 1.6% | 3.6% | 4.2% | 5.9% | 7.3% | 7.6% | 8.1% | 7.9% | 6.2% | 5.3% | 5.2% | 5.4% | 5.4% | 4.8% | 4.7% | 5.7% | 5.9% | 7.5% | 9.0% | 11.8% |
| — | -77.5% | -52.2% | -48.2% | -25.1% | +19.1% | +44.1% | +57.7% | +45.7% | +14.1% | +9.1% | +9.1% | -4.1% | -8.4% | -35.7% | -47.6% | -51.8% | -55.4% | -43.2% | -33.7% | -27.3% | |
| ROA | 11.4% | 0.8% | 1.6% | 1.7% | 2.4% | 3.0% | 3.5% | 4.0% | 3.8% | 2.9% | 2.5% | 2.4% | 2.6% | 2.6% | 2.3% | 2.2% | 2.6% | 2.7% | 3.4% | 4.1% | 5.3% |
| — | -74.9% | -54.3% | -57.3% | -38.2% | +2.8% | +38.9% | +66.5% | +50.3% | +12.3% | +8.6% | +11.5% | -0.2% | -2.3% | -32.4% | -47.1% | -51.6% | -52.7% | -35.6% | -17.1% | +3.5% | |
| ROIC | 20.6% | 3.1% | 3.0% | 2.9% | 4.2% | 5.5% | 6.1% | 5.7% | 7.2% | 6.4% | 4.5% | 4.3% | 4.8% | 5.0% | 4.2% | 4.1% | 4.8% | 5.0% | 6.4% | 7.7% | 10.6% |
| — | -42.4% | -49.8% | -48.4% | -42.1% | -14.7% | +35.4% | +33.2% | +48.9% | +28.1% | +5.7% | +5.4% | -0.1% | -0.8% | -34.1% | -47.0% | -54.2% | -58.8% | -44.3% | -31.4% | -24.6% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.16 | 0.12 | 0.09 | 0.16 | 0.26 | 0.26 | 0.27 | 0.06 | 0.05 | 0.05 | 0.03 | 0.04 | 0.04 | 0.01 | 0.01 | 0.01 | 0.04 | 0.04 | 0.04 | 0.03 | 0.02 |
| — | -54.7% | -66.1% | +174.7% | +471.3% | +460.6% | +758.9% | +53.2% | +27.3% | +275.7% | +306.2% | +294.0% | +0.6% | -65.3% | -79.0% | -65.7% | +49.5% | +33.3% | +70.3% | +22.5% | +5.9% | |
| Debt / EBITDA | 0.51 | 2.70 | 2.31 | 3.32 | 3.68 | 2.91 | 2.76 | 0.71 | 0.45 | 0.53 | 0.49 | 0.64 | 0.54 | 0.19 | 0.14 | 0.17 | 0.55 | 0.51 | 0.42 | 0.27 | 0.17 |
| — | -7.1% | -16.2% | +366.6% | +714.0% | +450.8% | +458.4% | +11.5% | -15.8% | +177.7% | +263.4% | +268.2% | -1.7% | -62.8% | -67.7% | -35.5% | +212.6% | +200.7% | +191.9% | +69.4% | +37.9% | |
| Current Ratio | 0.47 | 5.47 | 0.54 | 0.47 | 0.71 | 0.70 | 0.85 | 0.69 | 0.72 | 11.77 | 17.35 | 6.95 | 3.84 | 6.62 | 6.86 | 18.55 | 5.80 | 6.18 | 5.70 | 12.15 | 7.81 |
| — | +684.4% | -36.3% | -32.6% | -1.0% | -94.1% | -95.1% | -90.0% | -81.3% | +77.8% | +153.1% | -62.5% | -33.8% | +7.2% | +20.4% | +52.8% | -25.8% | -36.3% | -49.7% | -46.2% | -33.8% | |
| Quick Ratio | 0.47 | 5.47 | 0.54 | 0.47 | 0.71 | 0.70 | 0.85 | 0.69 | 0.72 | 11.77 | 17.35 | 6.95 | 3.84 | 6.62 | 6.86 | 18.55 | 5.80 | 6.18 | 5.70 | 12.15 | 7.81 |
| — | +684.4% | -36.3% | -32.6% | -1.0% | -94.1% | -95.1% | -90.0% | -81.3% | +77.8% | +153.1% | -62.5% | -33.8% | +7.2% | +20.4% | +52.8% | -25.8% | -36.3% | -49.7% | -46.2% | -33.8% | |
| Interest Coverage | — | — | 7.37 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 36 years · Updated daily
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Quick answers to the most common questions about buying QFIN stock.
Qfin Holdings, Inc.'s current P/E is 1.4x. The average P/E over the last 4 quarters is 0.5x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Qfin Holdings, Inc.'s current operating margin is 45.9%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Qfin Holdings, Inc.'s business trajectory between earnings reports.