Qfin Holdings, Inc.
Company & revenue
About Qfin Holdings, Inc.
Who they are
Qifu Technology, Inc. (QFIN), known as 360 DigiTech, Inc. until its rebranding in March 2023, is a credit technology firm based in the People's Republic of China. Through its 360 Jietiao platform, the company facilitates credit-driven services by connecting borrowers with financial institutions. Its comprehensive offerings cover the entire lending lifecycle, including identifying and acquiring customers, performing initial and advanced credit screenings, conducting sophisticated risk assessments, evaluating creditworthiness, matching funds, and providing ongoing post-facilitation support.
Detailed revenue, brand and relationship research has not yet been completed for QFIN.
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
79
Strong
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
77
Strong
Financial Strength
64
Business Quality / Moat
90
Management
100
Growth Quality
40
Risk / Durability
93
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
66
Fully Valued
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
65/100
Building Historical Record
Model Score 65/100 — estimates relative performance potential, distinct from WallStreetScore (company quality).
Probability unavailable — the model has not produced a calibrated probability yet.
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WSS View
The quick read
WSS currently rates the company as financially and fundamentally strong.
At today’s price, the WSS valuation framework currently reads as moderate rather than unusually attractive.
The model outlook is currently moderate.
- •Strong overall Company Strength score
- •Asset quality scores strongly
- •Valuation scores attractively
- •Recent buyback activity is present
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for QFIN
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •What is driving QFIN's revenue decline, and does the latest company filing suggest the weakness is temporary or structural?
- •Is QFIN's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •How is QFIN likely to use its cash advantage: reinvestment, acquisitions, debt reduction, dividends or buybacks?
- •Is QFIN's valuation discount tied to a temporary concern or to a longer-term business risk?
Essential Investment Snapshot
Wall Street Score
79
Opportunity Score
66
Market Cap
$841.0M
P/E Ratio
0.9
EPS
$7.11
52-Week High
$31.08
52-Week Low
$6.50
Beta
0.57
Intrinsic Value
$60.41
Analyst Target
$14.16
Shares Outstanding
136.1M
Total Revenue
$2.39B
Total Debt
$438.6M
Dividend Yield
14.24%
Liquidation Value / Share
$27.12
Annual Dividend
$0.92
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Strong downward momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for QFIN
Detected from reported data — verify before acting.Dividend history reported
Dividend payments are recorded. Review the dates and regular/special classification below; past payments do not guarantee future dividends.
Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Community Sentiment
0 active · 0 total callsNo personal call yet on QFIN.
What the Bulls Say
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Product opportunity: Qifu Technology, Inc. (QFIN), known as 360 DigiTech, Inc. until its rebranding in March 2023, is a credit technology firm based in the People's Republic of China. Through its 360 Jietiao platform, the company facilitates credit-driven services by connecting borrowers with financial institutions. Its comprehensive offerings cover the entire lending lifecycle, including identifying and acquiring customers, performing initial and advanced credit screenings, conducting sophisticated risk assessments.
- +Positive free cash flow may provide capacity to invest in growth.
What the Bears Say
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Financial - Credit Services industry.
Bull and bear cases summarize disclosed catalysts, growth opportunities and risks; they are not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
2 historical score records availablePrevious Score
77
Jul 24, 2026
Change
+1.5
points
Current Score
79
Oct 1, 2026
Category Changes
QFIN increased 1.5 points because Valuation improved by 15 points.
Positive Contributors
- + Valuation improved by 15 points
Negative Contributors
- − Revenue declined by 3 points
- − Moat declined by 10.4 points
Projected Score
Projected Score
71
Projected Change
-7.8%
Preliminary comparable-period financial changes suggest decline of approximately 7.8 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
UndervaluedCurrent Price
$6.46
Intrinsic Value
$60.41
Difference
−$53.95
-89.3% vs IV
Margin of Safety
89.3%
Related Companies
Financial - Credit ServicesNews
QFIN Investors Have Opportunity to Lead Qfin Holdings, Inc. Securities Fraud Lawsuit with SBS Law
Kaplan Fox Encourages Qfin Holdings, Inc. (QFIN) Investors with Significant Losses to Contact the Firm Before November 27, 2026
QFIN SHAREHOLDER ACTION REMINDER: Faruqi & Faruqi, LLP Reminds Qfin Holdings (QFIN) Investors of Securities Class Action Lawsuit Deadline on November 30, 2026
Qfin Holdings: The Call Was Ugly, But The Stock Is Priced For Worse
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