Qfin Holdings, Inc. (QFIN) Stock Score, Valuation & Financial Research
Qfin Holdings, Inc. is in the Financial Services sector and Financial - Credit Services industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 77/100.
Quick answer for QFIN
Qfin Holdings, Inc. currently has a Wall Street Score of 77/100. The stored market price is $8.47. Its financial score is 46/100. Its valuation score is 85/100. These figures are a research snapshot, not a buy or sell recommendation.
What Qfin Holdings, Inc. does
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. Additionally, Qifu Technology furnishes its financial partners with platform services, utilizing an intelligent credit engine, referral systems, and risk management software-as-a-service (SaaS) to streamline loan origination and subsequent management. The company specializes in various loan types, such
QFIN financial snapshot
- Wall Street Score:
- 77/100
- Current price:
- $8.47
- Market capitalization:
- $1.10B
- Revenue:
- $2.57B
- Net income:
- $744.0M
- Free cash flow:
- $1.60B
- Cash:
- $835.7M
- Total debt:
- $322.6M
- EPS:
- 12.89
- P/E ratio:
- 0.7x
- Financial score:
- 46/100
- Valuation score:
- 85/100
- Revenue score:
- 47/100
What stands out
- Reported year-over-year revenue growth is -0.1%.
- Free cash flow is $1.60B, showing positive cash generation.
- The balance sheet shows $835.7M of cash versus $322.6M of total debt, leaving more cash than debt.
What the numbers mean
Its current valuation score is 85/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 46/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-07-24.
How to research QFIN
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.