QFIN trades 154.1% below Wall Street's consensus target of $14.18.
Last 12 months price action with 12-month analyst target path
The base valuation assumes QFIN achieves its forward estimates and maintains a stable P/E multiple of 0.3x. This scenario reflects the blended consensus of 4 Wall Street analysts, balancing both positive catalysts and macroeconomic headwinds over the next 12 months.
As of November 8, 2026, Qfin Holdings, Inc. (QFIN) has a Wall Street consensus price target of $14.18, based on estimates from 4 covering analysts. With the stock currently trading at $5.58, this represents a potential upside of +154.1%. The company has a market capitalization of $726M.
Analyst price targets range from a low of $13.00 to a high of $15.40, representing a 17% spread in expectations. The median target of $14.16 aligns closely with the consensus average. The tight target dispersion indicates high conviction among analysts.
The current analyst consensus rating is Buy, with 3 analysts rating the stock as a Buy or Strong Buy,0 rating it Hold, and 1 rating it Sell or Strong Sell. This overwhelmingly bullish sentiment suggests analysts see significant catalysts for upside ahead.
From a valuation perspective, QFIN trades at a trailing P/E of 1.4x and forward P/E of 0.3x. The forward PEG ratio of 0.01 suggests the stock may be undervalued relative to its growth. Analysts expect EPS to grow -28.8% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $217.89, with bear and bull scenarios of $137.27 and $287.09 respectively. Model confidence stands at 51/100, reflecting moderate uncertainty in projections.
| Company | Market Cap | Price | Target | Upside Potential | Rating | Fwd P/E | Analysts |
|---|---|---|---|---|---|---|---|
 LXLexinFintech Holdings Ltd. | $111M | $0.66 | $3.50 | +429.5% | Buy | — | 12 |
 FINVFinVolution Group | $730M | $2.94 | $4.70 | +59.9% | Buy | 0.5x | 4 |
 CNFCNFinance Holdings Limited | $10M | $2.00 | — | — | — | 2.9x | — |
 UPSTUpstart Holdings, Inc. | $2.1B | $21.89 | $36.11 | +65.0% | Buy | 40.1x | 22 |
 HAPNHappen, Inc. Common Stock | $1.8B | $15.96 | $18.33 | -8.1% | Buy | 11.4x | 25 |
 SOFISoFi Technologies, Inc. | $20.8B | $16.21 | $21.05 | +29.9% | Hold | 26.8x | 29 |
 AFRMAffirm Holdings, Inc. | $22.7B | $68.11 | $95.75 | +40.6% | Buy | 54.9x | 39 |
 CACCCredit Acceptance Corporation | $5.5B | $529.56 | $500.00 | -5.6% | Hold | 10.7x | 18 |
 OMFOneMain Holdings, Inc. | $6.5B | $56.09 | $65.25 | +16.3% | Buy | 8.6x | 31 |
 BIDUBaidu, Inc. | $27.8B | $81.87 | $102.00 | +24.6% | Buy | 2.2x | 53 |
Quick answers to the most common questions about buying QFIN stock.
The consensus Wall Street price target for QFIN is $14.18, representing 154.1% upside from the current price of $5.58. With 4 analysts covering the stock, this strong upside suggests significant value not yet reflected in today's share price.
QFIN has a consensus rating of "Buy" based on 4 Wall Street analysts. The rating breakdown is predominantly bullish, with 3 Buy/Strong Buy ratings. The consensus 12-month price target of $14.18 implies 154.1% upside from current levels.
With a forward P/E of 0.3003x, QFIN trades at a relatively low valuation. The consensus target of $14.18 implies 154.1% appreciation, suggesting meaningful undervaluation.
The most bullish Wall Street analyst has a price target of $15.4 for QFIN, while the most conservative target is $13. The consensus of $14.18 represents the median expectation. Our quantitative valuation model projects a bull case target of $287 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.
QFIN is lightly followed, with 4 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 3 have Buy ratings, 0 recommend Hold, and 1 have Sell or Strong Sell ratings. Higher analyst coverage generally indicates greater institutional interest and more reliable consensus estimates.
The 12-month QFIN stock forecast based on 4 Wall Street analysts shows a consensus price target of $14.18, with estimates ranging from $13 (bear case) to $15.4 (bull case). The median consensus rating is "Buy". Our proprietary valuation model produces a base case fair value of $218, with bear/bull scenarios of $137/$287.
Our quantitative valuation model calculates QFIN's fair value at $218 (base case), with a bear case of $137 and bull case of $287. The model uses discounted cash flow analysis, historical growth rates, and margin mean-reversion to project FY+2 earnings, then applies an appropriate P/E multiple. The model confidence score is 51/100.
QFIN trades at a forward P/E ratio of 0.3x based on next-twelve-months earnings estimates compared to a trailing P/E of 1.4x. The lower forward P/E indicates analysts expect earnings growth. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.
Wall Street analysts are very optimistic on QFIN, with a "Buy" consensus rating and $14.18 price target (154.1% upside). 3 of 4 analysts rate it Buy or Strong Buy. This information is for educational purposes only. Always conduct your own research, consider your financial situation, and consult a financial advisor before making investment decisions.
QFIN analyst price targets range from $13 to $15.4, a 17% tight range reflecting strong analyst consensus. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $14.18 consensus represents the middle ground. Our model's $137-$287 range provides an independent fundamental perspective.
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