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Financial Services - Financial - Credit Services - NASDAQ - CN
$ 39.18
-2.25 %
$ 3.04 B
Market Cap
8.11
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Mar, 3, 2025.

The intrinsic value of one QFIN stock under the worst case scenario is HIDDEN Compared to the current market price of 39.2 USD, Qifu Technology, Inc. is HIDDEN

This DCF valuation model was last updated on Mar, 3, 2025.

The intrinsic value of one QFIN stock under the base case scenario is HIDDEN Compared to the current market price of 39.2 USD, Qifu Technology, Inc. is HIDDEN

This DCF valuation model was last updated on Mar, 3, 2025.

The intrinsic value of one QFIN stock under the best case scenario is HIDDEN Compared to the current market price of 39.2 USD, Qifu Technology, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS
FINANCIALS
16.3 B REVENUE
-1.59%
2.98 B OPERATING INCOME
-38.41%
4.27 B NET INCOME
-25.95%
7.12 B OPERATING CASH FLOW
20.19%
-11.1 B INVESTING CASH FLOW
-51.55%
1.07 B FINANCING CASH FLOW
-66.72%
3.58 B REVENUE
-13.87%
0 OPERATING INCOME
0.00%
1.8 B NET INCOME
0.00%
2.37 B OPERATING CASH FLOW
20.91%
-2.93 B INVESTING CASH FLOW
-198.85%
-1.25 B FINANCING CASH FLOW
-62.68%
Balance Sheet Qifu Technology, Inc.
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Current Assets 44.7 B
Cash & Short-Term Investments 4.19 B
Receivables 7.83 B
Other Current Assets 32.6 B
Non-Current Assets 6.02 B
Long-Term Investments 15 M
PP&E 277 M
Other Non-Current Assets 5.73 B
Current Liabilities 34.2 B
Accounts Payable 0
Short-Term Debt 828 M
Other Current Liabilities 33.4 B
Non-Current Liabilities 3.91 B
Long-Term Debt 0
Other Non-Current Liabilities 3.91 B
EFFICIENCY
Earnings Waterfall Qifu Technology, Inc.
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Revenue 16.3 B
Cost Of Revenue 5.84 B
Gross Profit 10.4 B
Operating Expenses 5.59 B
Operating Income 2.98 B
Other Expenses -1.29 B
Net Income 4.27 B
RATIOS
64.13% GROSS MARGIN
64.13%
18.29% OPERATING MARGIN
18.29%
26.31% NET MARGIN
26.31%
19.53% ROE
19.53%
9.35% ROA
9.35%
13.91% ROIC
13.91%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Qifu Technology, Inc.
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Net Income 4.27 B
Depreciation & Amortization 73.8 M
Capital Expenditures -84.6 M
Stock-Based Compensation 186 M
Change in Working Capital -3.21 B
Others 3.01 B
Free Cash Flow 7.03 B
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Qifu Technology, Inc.
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Wall Street analysts predict an average 1-year price target for QFIN of $28.1 , with forecasts ranging from a low of $27.9 to a high of $28.4 .
QFIN Lowest Price Target Wall Street Target
27.9 USD -28.79%
QFIN Average Price Target Wall Street Target
28.1 USD -28.15%
QFIN Highest Price Target Wall Street Target
28.4 USD -27.51%
4. DIVIDEND ANALYSIS
0.00% DIVIDEND YIELD
0.59 USD DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership Qifu Technology, Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
Date Value Insider Amount Avg Price
7. News
DeepSeek IPO Remains Far Off—Investors Eye 4 Chinese AI Stocks The introduction of the cutting-edge, chip-efficient AI chat model DeepSeek sent markets into a frenzy in late January, sparking an American AI sell-off. Featuring twice the computing power at a fraction of the cost of models like ChatGPT, the introduction of DeepSeek was particularly painful for chip manufacturer NVIDIA Co. NASDAQ: NVDA, whose shares fell more than 14% on the date of DeepSeek's introduction. marketbeat.com - 2 weeks ago
Qifu Technology Stock Doubles in 6 Months: Get it or Let it Go? Given the recent rally in QFIN shares, we assess its current position to determine whether to buy it or wait for a correction. zacks.com - 1 month ago
4 Top-Ranked Stocks With Solid Net Profit Margins to Buy Now Buy these four top-ranked stocks, CSTL, OPFI, GCT and QIFU, with solid net profit margins to enhance your portfolio returns. zacks.com - 1 month ago
Qifu Technology, Inc. (QFIN) Is a Great Choice for 'Trend' Investors, Here's Why Qifu Technology, Inc. (QFIN) made it through our "Recent Price Strength" screen and could be a great choice for investors looking to make a profit from stocks that are currently on the move. zacks.com - 1 month ago
QFIN vs. CLMB: Which Stock Is the Better Value Option? Investors interested in stocks from the Technology Services sector have probably already heard of Qifu Technology, Inc. (QFIN) and Climb Global Solutions (CLMB). But which of these two stocks offers value investors a better bang for their buck right now? zacks.com - 1 month ago
Qifu Technology: Can't Be More Bullish On This Underrated Fintech Stock Qifu Technology's Q3 2024 performance shows strong revenue growth, a significant increase in net income, and an expanding user base, reinforcing my "Strong Buy" rating. Qifu's business model leverages AI, ML, and big data to evaluate borrowers, targeting young urban Chinese professionals, resulting in profitable and expanding market share. The stock is undervalued with a forward P/E GAAP ratio of 6.33 versus the sector median of 12.50, indicating significant growth potential. seekingalpha.com - 1 month ago
Qifu Technology: Navigating Risk, Reward, And The DoD's Watchlist Qifu Tech is resilient despite Qihoo 360's inclusion on the US DoD CMC list; potential sanctions on owners could impact QIFU's share price. QFIN's 3Q24 results show strong loan growth, improved asset quality, and prudent risk management, with net income well ahead of consensus. The company offers a compelling valuation at 5.5x 2025E P/E and a 12% combined buyback and dividend yield, ideal for yield-seeking investors. seekingalpha.com - 1 month ago
3 Chinese Stocks I Own in 2025 If you've made it this far, you've passed the test. Chinese stocks aren't very popular with stateside investors these days. fool.com - 1 month ago
QFIN or CLMB: Which Is the Better Value Stock Right Now? Investors with an interest in Technology Services stocks have likely encountered both Qifu Technology, Inc. (QFIN) and Climb Global Solutions (CLMB). But which of these two stocks is more attractive to value investors? zacks.com - 2 months ago
3 Hot Stocks That Can Double Again in 2025 Some of the hottest stocks of 2024 may surprise you. A few more than 100 stocks with market caps north of $2 billion doubled over the past year. fool.com - 2 months ago
Qifu Technology Provides Updates on Share Repurchase Plans SHANGHAI, China, Dec. 30, 2024 (GLOBE NEWSWIRE) -- Qifu Technology, Inc. (NASDAQ: QFIN; HKEx: 3660) (“Qifu Technology” or the “Company”), a leading Credit-Tech platform in China, today provided updates on its share repurchase plans. globenewswire.com - 2 months ago
Here's Why Momentum in Qifu Technology, Inc. (QFIN) Should Keep going Qifu Technology, Inc. (QFIN) could be a solid choice for shorter-term investors looking to capitalize on the recent price trend in fundamentally sound stocks. It is one of the many stocks that passed through our shorter-term trading strategy-based screen. zacks.com - 2 months ago
8. Profile Summary

Qifu Technology, Inc. QFIN

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COUNTRY CN
INDUSTRY Financial - Credit Services
MARKET CAP $ 3.04 B
Dividend Yield 0.00%
Description Qifu Technology, Inc., together with its subsidiaries, operates credit-tech platform under the 360 Jietiao brand in the People's Republic of China. The company provides credit-driven services that matches borrowers with financial institutions to conduct customer acquisition, initial and credit screening, advanced risk assessment, credit assessment, fund matching, and other post-facilitation services; and platform services, including loan facilitation and post-facilitation services to financial institution partners under intelligence credit engine, referral services, and risk management software-as-a-service. It offers e-commerce loans, enterprise loans, and invoice loans to SME owners. It serves financial institutions, consumers, and small- and micro-enterprises. The company was formerly known as 360 DigiTech, Inc. and changed its name to Qifu Technology, Inc. in March 2023. Qifu Technology, Inc. was founded in 2016 and is headquartered in Shanghai, the People's Republic of China.
Contact 7/F Lujiazui Finance Plaza No. 1217 Dongfang Road Pudong New Area, Shanghai, 200122 https://www.360shuke.com
IPO Date Dec. 14, 2018
Employees 3121
Officers Mr. Zuoli Xu CFA Chief Financial Officer & Director Mr. Haisheng Wu Chief Executive Officer & Director Mr. Zhiqiang He Senior Vice President Mr. Yan Zheng Chief Risk Officer