Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
QFIN
HoldUnloved QualityQfin Holdings, Inc. · Financial Services · China · $1.1B · Avg Vol: $21M/d
COMPANY DESCRIPTION
Qfin Holdings, Inc., known as 360 DigiTech, is a leading digital consumer finance platform in China, connecting borrowers with financial institutions. Leveraging big data, AI, and risk management technologies, the company provides personalized and efficient loan facilitation services. Its robust technology infrastructure and extensive data analytics capabilities offer a significant competitive edge in assessing credit risk and optimizing lending operations within China's vast consumer credit market.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2.1B | 2.0B | 2.1B | 2.4B | 4.9% | 2.5B | 1.6B | 1.5B | -20.8% |
| EPS | 10.17 | 10.31 | 14.62 | 13.42 | 9.7% | 4.36 | 19.72 | 20.55 | 23.7% |
| Shares | 121.8M | 121.8M | 121.8M | 121.8M | 0.0% | 121.6M | — | — | — |
| Debt | 26.9M | 123.4M | 208.3M | 570.0M | 176.6% | 530.8M | — | — | — |
| Equity | 2.8B | 3.3B | 3.6B | 3.6B | 8.6% | — | — | — | — |
| Op CF | 883.0M | 1.1B | 1.4B | 1.7B | 23.2% | 1.3B | — | — | — |
| Inv CF | -1.1B | -1.7B | -1.2B | -2.0B | — | — | — | — | — |
| Fin CF | 477.7M | 159.0M | -315.2M | 415.0M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of QFIN are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| QFIN | Qfin Holdings, Inc.(you) | $1.1B | 51 | Hold |
| FINV | FinVolution Group | $803M | 52 | Hold |
| 2666.HK | Genertec Universal Medical Group Company Limited | $1.2B | 43 | Hold |
| 1905.HK | Haitong Unitrust International Financial Leasing Co., Ltd. | $1.1B | 63 | Hold |
| 2858.HK | Yixin Group Limited | $1.1B | 37 | Hold |
| 6069.HK | SY Holdings Group Limited | $903M | 33 | Sell |
| LU | Lufax Holding Ltd | $1.1B | 29 | Sell |
| LX | LexinFintech Holdings Ltd. | $194M | 49 | Hold |
| 600901.SS | Jiangsu Financial Leasing Co., Ltd. | $5.6B | 43 | Hold |
| 603123.SS | Beijing Cuiwei Tower Co., Ltd. | $1.2B | 8 | Strong Sell |
Peer medians: ROE 8.3% · P/E 7.6x · Gross margin 55.0%