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Qfin Holdings, Inc. (QFIN) Total Return Calculator with Dividends Reinvested

Qfin Holdings, Inc.

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The total return for Qfin Holdings, Inc. (QFIN) stock is -63.46% over the past 12 months. So far it's down 19.63% this year. The 5-year total return is -16.39%, meaning $10,000 invested in QFIN stock 5 years ago would be worth $8,361 today. Total return includes price appreciation plus reinvesting any dividends paid out.

If you invested $10,000 in QFIN 1 year ago, it would be worth $3,702 today — you'd have lost $6,298 with dividends reinvested.

With Dividends Reinvested$3,702-62.98%

Price Only (No DRIP)$3,225-67.75%

Dividend Boost+$4773 payments · +4.77% extra

Period2025-05-07 → 2026-05-06

Price

Total Return (DRIP)

Dividends

S&P 500

If You Invested $10,000 in QFIN

1Y$3,654-$6,346 (-63.5%)-63.5% CAGR

3Y$10,366+$366 (+3.7%)1.2% CAGR

5Y$8,361-$1,639 (-16.4%)-3.5% CAGR

10Y$11,933+$1,933 (+19.3%)1.8% CAGR

15Y$11,933+$1,933 (+19.3%)1.2% CAGR

20Y$11,933+$1,933 (+19.3%)0.9% CAGR

30Y$11,933+$1,933 (+19.3%)0.6% CAGR

Dividend Reinvestment History (3)▲ Hide

Ex-Date	Dividend	Reinvest Price	Shares Added
2025-09-08	$0.76	$28.11	+0.027037
2026-04-20	$0.78	$14.01	+0.057180
2026-04-22	$0.78	$13.27	+0.063729

Loading QFIN total return...

As of 2026-05-07

Returns at a Glance

Period	Total Return	CAGR	Price Only	Div. Contrib.	$10K →
YTD	-19.63%	—	-27.82%	+8.19 pp	$8,037
1Y	-63.46%	-63.46%	-68.74%	+5.28 pp	$3,654
3Y	+3.66%	1.20%	-22.67%	+26.32 pp	$10,366
5Y	-16.39%	-3.52%	-41.61%	+25.22 pp	$8,361
10Y	+19.33%	1.78%	-16.67%	+36.00 pp	$11,933
15Y	+19.33%	1.19%	-16.67%	+36.00 pp	$11,933
20Y	+19.33%	0.89%	-16.67%	+36.00 pp	$11,933
30Y	+19.33%	0.59%	-16.67%	+36.00 pp	$11,933

Risk & Highlights

Best Year+161.75%2024

Worst Year-46.47%2025

Max Drawdown-73.16%2025-05-13 → 2026-03-30

Annual Returns

Year	Total Return	Price Return	Div.	S&P 500	vs S&P
2026YTD	-23.57%	-23.57%	—	+0.41%	-24.0pp
2025	-46.47%	-50.19%	+3.7pp	+16.64%	-63.1pp
2024	+161.75%	+154.00%	+7.7pp	+24.00%	+137.7pp
2023	-21.20%	-24.31%	+3.1pp	+24.81%	-46.0pp
2022	-6.03%	-9.67%	+3.6pp	-19.95%	+13.9pp

QFIN underperformed the S&P 500 by 94.78pp over the past year (-63.46% vs +31.32%).

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QFIN Peers' Total Return

Accurate peer set · 10 comparable names

Name	Mkt Cap	30D Rtn	YTD Total Rtn	1Y Total Rtn	Div Contrib	3Y Total Rtn	5Y Total Rtn	10Y Total Rtn
QFINQfin Holdings, Inc.	$3.9B	+4.8%	-19.6%	-63.5%	+5.3pp	+3.7%	-16.4%	+19.3%
LXLexinFintech Holdings Ltd.	$154M	-5.7%	-28.7%	-70.8%	+4.0pp	+12.0%	-65.4%	-73.2%
FINVFinVolution Group	$3.0B	+2.2%	+5.5%	-36.2%	+3.3pp	+47.5%	+1.4%	-46.8%
CNFCNFinance Holdings Limited	$1M	-6.4%	-49.0%	-60.9%	—	-88.5%	-91.2%	-96.0%
UPSTUpstart Holdings, Inc.	$2.7B	+6.6%	-37.4%	-44.2%	—	+114.3%	-68.8%	-2.7%
LCLendingClub Corporation	$2.0B	+15.7%	-10.8%	+70.6%	—	+148.3%	+20.8%	-51.9%
SOFISoFi Technologies, Inc.	$20.8B	+0.2%	-40.6%	+28.0%	—	+198.0%	+8.7%	+55.5%
AFRMAffirm Holdings, Inc.	$21.8B	+35.4%	-11.4%	+28.6%	—	+449.2%	+20.5%	-32.6%
CACCCredit Acceptance Corporation	$5.6B	+22.4%	+18.9%	+8.6%	—	+21.0%	+29.4%	+191.3%
OMFOneMain Holdings, Inc.	$6.5B	+1.7%	-17.5%	+24.1%	+8.6pp	+87.9%	+39.2%	+191.1%
BIDUBaidu, Inc.	$49.2B	+26.3%	-6.5%	+54.1%	—	+14.8%	-26.9%	-19.2%

Compare:QFIN vs LX QFIN vs FINV QFIN vs CNF QFIN vs LX vs FINV

About QFIN Dividend Returns

Qfin Holdings, Inc. (QFIN) is a dividend-paying stock. When dividends are reinvested through a DRIP (Dividend Reinvestment Plan), they purchase additional shares, which then generate their own dividends—creating a compounding effect that can significantly boost long-term returns.

How We Calculate Total Return

Our total return calculator simulates dividend reinvestment (DRIP) by assuming each dividend payment is used to purchase additional shares at the closing price on the ex-dividend date. This methodology provides an accurate representation of how a dividend reinvestment plan would perform.

Frequently Asked Questions

Q1What is the total return of QFIN over the past year?

Qfin Holdings, Inc. (QFIN) delivered a total return of -63.46% over the past year when dividends are reinvested. The price-only return was -68.74%, meaning dividends contributed an additional 5.28 percentage points to total returns.

Q2How much would $10,000 invested in QFIN be worth today?

A $10,000 investment in Qfin Holdings, Inc. one year ago would be worth $3,654 today with dividends reinvested (DRIP). Without reinvesting dividends, the same investment would be worth $3,126. Dividend reinvestment added $528 to the portfolio value.

Q3Does QFIN pay dividends?

Yes, Qfin Holdings, Inc. (QFIN) pays dividends. In the last year, QFIN paid approximately $8.32 per share in dividends (8.88% yield). Reinvesting these dividends through a DRIP can significantly boost long-term returns — over 20+ years, dividend compounding can account for 30–50% of total returns for dividend-paying stocks.

Q4Did QFIN beat the S&P 500?

No, Qfin Holdings, Inc. (QFIN) underperformed the S&P 500 by 94.78 percentage points over the past year. QFIN delivered a total return of -63.46%, compared to the S&P 500's 31.32%. This means a passive S&P 500 index fund outperformed QFIN by 94.78pp during this period.

Q5What is QFIN's worst drawdown?

Qfin Holdings, Inc. (QFIN) experienced a maximum drawdown of -73.16% over the past year, declining from its peak on 2025-05-13 to its trough on 2026-03-30. The stock has not yet fully recovered to its prior peak. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.

Q6What is QFIN's long-term total return over 10, 20, or 30 years?

Here are Qfin Holdings, Inc. (QFIN)'s long-term returns with dividends reinvested. Over 10 years, the total return is 19.3% (1.8% CAGR) — $10,000 would have grown to $11,933. Over 20 years: 19.3% total return (0.9% CAGR) — $10,000 → $11,933. Over 30 years: 19.3% total return (0.6% CAGR) — $10,000 → $11,933. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.

Q7What was QFIN's best and worst year?

Qfin Holdings, Inc.'s best calendar year was 2024 with a total return of 161.7%. Its worst year was 2025 with a total return of -46.5%. This range shows the volatility investors should expect — the difference between the best and worst year is 208.2 percentage points.