QFIN
Qfin Holdings, Inc.
NASDAQ: QFIN · FINANCIAL SERVICES · CREDIT SERVICES
$5.27
-1.50% today
Updated 2026-11-03
Market cap
$640.74M
P/E ratio
1.26
P/S ratio
0.04x
EPS (TTM)
$4.18
Dividend yield
22.60%
52W range
$5 – $22
Volume
2.5M
WallStSmart proprietary scores
62
out of 100
Grade: C+
Hold
Investment rating
2.0
Growth
F7.0
Quality
B+8.0
Profitability
A6.7
Valuation
B3/9
Piotroski F-Score
Weak
1.5
Altman Z-Score
Distress
—
Industry rank
—
View all highly rated stocks (75+) →253 stocks currently score above 75
Price targets
Analyst target
$14.61
+177.23%
12-Month target
$10.53
+99.81%
Intrinsic (DCF)
—
Margin of safety
—
3 Strong Buy5 Buy3 Hold1 Sell1 Strong Sell
Price chart
Stock snapshot
Strengths
+ Profit margin 22.30% — above average
+ Free cash flow $1.09B — positive
+ Debt/equity 0.12x — low leverage
Risks
- Piotroski 3/9 — weak financial health
- Altman Z 1.47 — distress zone
- Revenue declining -31.60% QoQ
Key financials
Revenue Net Income Free Cash Flow
| Metric | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
| Revenue | $16.55B | $16.29B | $17.17B | $16.08B | $16.77B |
| Net income | $4.02B | $4.29B | $6.26B | $5.99B | $404.77M |
| EPS | — | — | — | — | $4.18 |
| Free cash flow | $5.90B | $7.03B | $9.19B | $10.84B | $1.09B |
| Profit margin | 24.31% | 26.31% | 36.49% | 37.25% | 22.30% |
Peer comparison
Smart narrative
Qfin Holdings, Inc. trades at $5.27. representing a P/E of 1.26x trailing earnings. Our Smart Value Score of 62/100 indicates the stock is good. The company scores 3/9 on the Piotroski F-Score. With an Altman Z-Score of 1.47, it sits in the distress. TTM revenue stands at $16.77B. with profit margins at 22.30%.
Frequently asked questions
What is Qfin Holdings, Inc.'s stock price?
Qfin Holdings, Inc. (QFIN) trades at $5.27, on a P/E of 1.3x and a P/S of 0.0x. Those multiples show what the market is paying for each dollar of earnings and sales, which is the real starting point for judging whether the price is reasonable.
Is Qfin Holdings, Inc. overvalued?
Qfin Holdings, Inc. carries a Smart Value Score of 62/100 (Grade C+), which we rate Hold. That score blends growth, quality, and valuation into one read.
What is the price target of Qfin Holdings, Inc. (QFIN)?
The 12-month analyst consensus target is $14.61, about 177.2% above the current $5.27. A consensus target is the average of Wall Street's 12-month forecasts, so it works as a sentiment gauge rather than a guarantee, and it resets with every earnings cycle.
What is Qfin Holdings, Inc.'s revenue?
Qfin Holdings, Inc.'s trailing twelve-month revenue is $16.77B. Revenue scale anchors the valuation multiples and shows whether growth is reaching the top line, so it is best read alongside margin and growth trends to see if that revenue is getting more profitable over time.
Altman Z-Score?
Qfin Holdings, Inc.'s Altman Z-Score is 1.47, which places it in the distress. The Altman Z-Score gauges bankruptcy risk from profitability, leverage, and asset efficiency, and a higher reading points to lower financial distress risk.
Company info
SectorFINANCIAL SERVICES
IndustryCREDIT SERVICES
CountryChina
ExchangeNASDAQ
CurrencyUSD
Quick metrics
P/S ratio0.04x
ROE15.11%
Beta0.56
50D MA$7.46
200D MA$12.52
Shares out0.12B
Float0.09B
Short ratio—
Avg volume2.5M
Performance
1 week-1.71%
1 month-19.97%
3 months-62.75%
YTD-73.17%
1 year-78.59%
3 years—
5 years—