QFIN
360 Finance Inc
NASDAQ: QFIN · FINANCIAL SERVICES · CREDIT SERVICES
$12.62
-2.70% today
Updated 2026-04-29
Market cap
$1.54B
P/E ratio
1.96
P/S ratio
0.08x
EPS (TTM)
$6.45
Dividend yield
12.20%
52W range
$12 – $43
Volume
1.6M
WallStSmart proprietary scores
62
out of 100
Grade: C+
Hold
Investment rating
2.7
Growth
F7.3
Quality
B+9.0
Profitability
A+6.7
Valuation
B5/9
Piotroski F-Score
Moderate
—
Altman Z-Score
—
—
Industry rank
—
View all highly rated stocks (75+) →200 stocks currently score above 75
Price targets
Analyst target
$23.49
+86.13%
12-Month target
$10.53
-16.56%
Intrinsic (DCF)
—
Margin of safety
—
3 Strong Buy8 Buy1 Hold0 Sell0 Strong Sell
Price chart
X-Ray snapshot
Strengths
+ Profit margin 31.20% — above average
+ ROE 24.70% — strong efficiency
+ Free cash flow $2.50B — positive
+ Debt/equity 0.26x — low leverage
Risks
- Revenue declining -8.70% QoQ
Key financials
Revenue Net Income Free Cash Flow
| Metric | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
| Revenue | $16.55B | $16.29B | $17.17B | $18.68B | $19.21B |
| Net income | $4.02B | $4.29B | $6.26B | $5.80B | $998.68M |
| EPS | — | — | — | — | $6.45 |
| Free cash flow | $5.76B | $5.90B | $7.03B | $9.19B | $2.50B |
| Profit margin | 24.31% | 26.31% | 36.49% | 31.04% | 31.20% |
Peer comparison
Smart narrative
360 Finance Inc trades at $12.62. representing a P/E of 1.96x trailing earnings. Our Smart Value Score of 62/100 indicates the stock is good. The company scores 5/9 on the Piotroski F-Score. TTM revenue stands at $19.21B. with profit margins at 31.20%.
Frequently asked questions
What is 360 Finance Inc's stock price?
360 Finance Inc (QFIN) trades at $12.62.
Is 360 Finance Inc overvalued?
Smart Value Score 62/100 (Grade C+, Hold).
What is the price target of 360 Finance Inc (QFIN)?
The analyst target price is $23.49, representing +86.1% upside from the current price of $12.62.
What is 360 Finance Inc's revenue?
TTM revenue is $19.21B.
Piotroski F-Score?
5/9 — moderate financial health.
Company info
SectorFINANCIAL SERVICES
IndustryCREDIT SERVICES
CountryChina
ExchangeNASDAQ
CurrencyUSD
Quick metrics
P/S ratio0.08x
ROE24.70%
Beta0.56
50D MA$13.82
200D MA$22.16
Shares out0.12B
Float0.18B
Short ratio—
Avg volume1.6M
Performance
1 week—
1 month—
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YTD—
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