Qfin Holdings, Inc. (QFIN) — Stock Score Summary

Qfin Holdings, Inc. (QFIN) has a MoatMap StockRank of 90/100 based on Quality (78/100), Value (92/100), and Momentum (7/100) factor scores. The current signal is STRONG BUY. Despite cheap quantitative metrics, Qfin operates in the highly regulated and volatile Chinese consumer finance sector, failing our Terry Smith quality filter due to regulatory unpredictability and lack of a global moat.

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.

Key Financial Metrics

Price$14.24
Market Cap$1.9B
P/E (TTM)2.68
P/E (Forward)3.17
Price/Book0.53
Return on Equity21.3%
Debt/Equity11.68
Gross Margin57.1%
Operating Margin27.5%
Revenue Growth-16.7%
Dividend Yield10.1%
Free Cash Flow$9.9B

Qfin Holdings, Inc. operates in the Credit Services industry, part of the Financial Services sector (China).

Frequently Asked Questions

What is Qfin Holdings, Inc.’s (QFIN) StockRank?
MoatMap’s StockRank for Qfin Holdings, Inc. (QFIN) is 90/100, with a Strong Buy signal. It is a composite of Quality (78), Value (92), and Momentum (7) factor ranks across MoatMap’s 19,000+ stock universe.
Does Qfin Holdings, Inc. have an economic moat?
Qfin Holdings, Inc. (QFIN) has a Quality factor score of 78/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Qfin Holdings, Inc. a buy, hold, or sell?
MoatMap’s current signal for Qfin Holdings, Inc. (QFIN) is Strong Buy, based on a StockRank of 90/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Qfin Holdings, Inc. in?
Qfin Holdings, Inc. (QFIN) operates in the Financial Services sector, specifically the Credit Services industry (China).
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