QFIN
360 Finance Inc
NASDAQ: QFIN · FINANCIAL SERVICES · CREDIT SERVICES
$13.18
-4.97% today
Updated 2026-06-05
Market cap
$1.96B
P/E ratio
2.83
P/S ratio
0.11x
EPS (TTM)
$5.69
Dividend yield
9.57%
52W range
$11 – $42
Volume
1.4M
WallStSmart proprietary scores
62
out of 100
Grade: C+
Hold
Investment rating
2.7
Growth
F5.3
Quality
C+9.0
Profitability
A+6.7
Valuation
B3/9
Piotroski F-Score
Weak
—
Altman Z-Score
—
—
Industry rank
—
View all highly rated stocks (75+) →202 stocks currently score above 75
Price targets
Analyst target
$22.19
+68.36%
12-Month target
$10.53
-20.11%
Intrinsic (DCF)
—
Margin of safety
—
3 Strong Buy8 Buy1 Hold0 Sell0 Strong Sell
Price chart
Stock snapshot
Strengths
+ Profit margin 27.50% — above average
+ ROE 21.38% — strong efficiency
+ Debt/equity 0.09x — low leverage
Risks
- Piotroski 3/9 — weak financial health
- Revenue declining -16.70% QoQ
Key financials
Revenue Net Income Free Cash Flow
| Metric | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
| Revenue | $16.55B | $16.29B | $17.17B | $18.68B | $18.42B |
| Net income | $4.02B | $4.29B | $6.26B | $5.80B | $877.98M |
| EPS | — | — | — | — | $5.69 |
| Free cash flow | $5.90B | $7.03B | $9.19B | $10.84B | $0.00 |
| Profit margin | 24.31% | 26.31% | 36.49% | 31.04% | 27.50% |
Peer comparison
Smart narrative
360 Finance Inc trades at $13.18. representing a P/E of 2.83x trailing earnings. Our Smart Value Score of 62/100 indicates the stock is good. The company scores 3/9 on the Piotroski F-Score. TTM revenue stands at $18.42B. with profit margins at 27.50%.
Frequently asked questions
What is 360 Finance Inc's stock price?
360 Finance Inc (QFIN) trades at $13.18, on a P/E of 2.8x and a P/S of 0.1x. 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 360 Finance Inc overvalued?
360 Finance 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 360 Finance Inc (QFIN)?
The 12-month analyst consensus target is $22.19, about 68.4% above the current $13.18. 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 360 Finance Inc's revenue?
360 Finance Inc's trailing twelve-month revenue is $18.42B. 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.
Company info
SectorFINANCIAL SERVICES
IndustryCREDIT SERVICES
CountryChina
ExchangeNASDAQ
CurrencyUSD
Quick metrics
P/S ratio0.11x
ROE21.38%
Beta0.54
50D MA$13.33
200D MA$19.72
Shares out0.12B
Float0.18B
Short ratio—
Avg volume1.4M
Performance
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