image
Financial Services - Financial - Credit Services - NASDAQ - CN
$ 36.08
-5.67 %
$ 2.53 B
Market Cap
6.35
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one QFIN stock under the worst case scenario is HIDDEN Compared to the current market price of 36.1 USD, Qifu Technology, Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one QFIN stock under the base case scenario is HIDDEN Compared to the current market price of 36.1 USD, Qifu Technology, Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one QFIN stock under the best case scenario is HIDDEN Compared to the current market price of 36.1 USD, Qifu Technology, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart QFIN

image
$50.0$50.0$48.0$48.0$46.0$46.0$44.0$44.0$42.0$42.0$40.0$40.0$38.0$38.0$36.0$36.0$34.0$34.0$32.0$32.0$30.0$30.0$28.0$28.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
17.2 B REVENUE
5.38%
7.53 B OPERATING INCOME
152.63%
6.25 B NET INCOME
46.37%
9.34 B OPERATING CASH FLOW
31.26%
-7.99 B INVESTING CASH FLOW
28.29%
-2.11 B FINANCING CASH FLOW
-198.27%
4.48 B REVENUE
25.09%
1.89 B OPERATING INCOME
0.00%
1.92 B NET INCOME
0.00%
3.05 B OPERATING CASH FLOW
28.66%
-946 M INVESTING CASH FLOW
67.73%
-1.87 B FINANCING CASH FLOW
-50.03%
Balance Sheet Qifu Technology, Inc.
image
Current Assets 42.8 B
Cash & Short-Term Investments 7.85 B
Receivables 2.22 B
Other Current Assets 32.7 B
Non-Current Assets 5.35 B
Long-Term Investments 0
PP&E 363 M
Other Non-Current Assets 4.99 B
16.30 %4.62 %67.96 %10.37 %Total Assets$48.1b
Current Liabilities 17.5 B
Accounts Payable 0
Short-Term Debt 1.4 B
Other Current Liabilities 16.1 B
Non-Current Liabilities 6.41 B
Long-Term Debt 0
Other Non-Current Liabilities 6.41 B
5.85 %67.30 %26.85 %Total Liabilities$23.9b
EFFICIENCY
Earnings Waterfall Qifu Technology, Inc.
image
Revenue 17.2 B
Cost Of Revenue 6.56 B
Gross Profit 10.6 B
Operating Expenses 3.08 B
Operating Income 7.53 B
Other Expenses 1.28 B
Net Income 6.25 B
18b18b16b16b14b14b12b12b10b10b8b8b6b6b4b4b2b2b0017b(7b)11b(3b)8b(1b)6bRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
61.77% GROSS MARGIN
61.77%
43.86% OPERATING MARGIN
43.86%
36.49% NET MARGIN
36.49%
25.90% ROE
25.90%
13.01% ROA
13.01%
18.59% ROIC
18.59%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Qifu Technology, Inc.
image
10b10b9b9b8b8b7b7b6b6b5b5b4b4b3b3b2b2b1b1b00(1b)(1b)201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 6.25 B
Depreciation & Amortization 74.9 M
Capital Expenditures 0
Stock-Based Compensation 168 M
Change in Working Capital 0
Others 2.93 B
Free Cash Flow 9.34 B
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Qifu Technology, Inc.
image
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 -22.67%
QFIN Average Price Target Wall Street Target
28.1 USD -21.98%
QFIN Highest Price Target Wall Street Target
28.4 USD -21.29%
Price
Max Price Target
Min Price Target
Average Price Target
50504545404035353030252520201515May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
0.00% DIVIDEND YIELD
0.69 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.900.900.800.800.700.700.600.600.500.500.400.400.300.300.200.200.100.100.000.000.260.220.160.580.690.180.490.590.280.720.160.870.750.580.692021202120222022202320232024202420252025
Download SVG
Download PNG
Download CSV
5. COMPETITION
6. Ownership
Insider Ownership Qifu Technology, Inc.
image
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
7. News
4 PEG-Based Value Stocks to Buy Amid Tariff War and Market Bloodbath Here are four PEG-driven value stocks that fit our screening criteria. These are QFIN, SUZ, FMS and JD. zacks.com - 6 days ago
Qifu Technology, Inc. (QFIN) is on the Move, Here's Why the Trend Could be Sustainable 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 - 6 days ago
All You Need to Know About Qifu Technology, Inc. (QFIN) Rating Upgrade to Strong Buy Qifu Technology, Inc. (QFIN) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #1 (Strong Buy). zacks.com - 1 week ago
4 Best Value Stocks With Low PEG to Boost Your Portfolio Returns Here are four PEG-driven value stocks that fit our screening criteria: JD, UHS, FMS, and QFIN. zacks.com - 1 week ago
Best Value Stocks to Buy for March 28th QFIN, CCNE and BGC made it to the Zacks Rank #1 (Strong Buy) value stocks list on March 28, 2025. zacks.com - 1 week ago
Qifu Technology, Inc. Announces Completion of Offering of US$690 Million Cash-par Settled Convertible Senior Notes SHANGHAI, China, March 27, 2025 (GLOBE NEWSWIRE) -- Qifu Technology, Inc. (NASDAQ: QFIN; HKEx: 3660) (“Qifu Technology” or the “Company”), a leading AI-empowered Credit-Tech platform in China, today announced the completion of its offering of convertible senior notes (the “Notes Offering”) in an aggregate principal amount of US$690 million due 2030 (the “Notes”), including the initial purchasers' full exercise of option to purchase an additional US$90 million principal amount of the Notes. The Notes have been offered to persons reasonably believed to be qualified institutional buyers pursuant to Rule 144A under the Securities Act of 1933, as amended (the “Securities Act”). globenewswire.com - 2 weeks ago
QFIN or SPXC: Which Is the Better Value Stock Right Now? Investors looking for stocks in the Technology Services sector might want to consider either Qifu Technology, Inc. (QFIN) or SPX Technologies (SPXC). But which of these two stocks presents investors with the better value opportunity right now? zacks.com - 2 weeks ago
Qifu Technology, Inc. Announces Pricing of Offering of US$600 Million Cash-par Settled Convertible Senior Notes SHANGHAI, China, March 25, 2025 (GLOBE NEWSWIRE) -- Qifu Technology, Inc. (NASDAQ: QFIN; HKEx: 3660) (“Qifu Technology” or the “Company”), a leading AI-empowered Credit-Tech platform in China, today announced the pricing of its previously announced offering (the “Notes Offering”) of convertible senior notes in an aggregate principal amount of US$600 million due 2030 (the “Notes”). The Notes have been offered to persons reasonably believed to be qualified institutional buyers pursuant to Rule 144A under the Securities Act of 1933, as amended (the “Securities Act”). The Company has granted the initial purchasers in the Notes Offering an option to purchase up to an additional US$90 million principal amount of the Notes, exercisable for settlement within a 13-day period beginning on, and including, the date on which the Notes are first issued. globenewswire.com - 2 weeks ago
Is Qifu Technology, Inc. (QFIN) Stock Undervalued Right Now? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks. zacks.com - 2 weeks ago
Qifu Technology Releases 2024 ESG Report SHANGHAI, China, March 25, 2025 (GLOBE NEWSWIRE) -- Qifu Technology, Inc. (NASDAQ: QFIN; HKEx: 3660) (“Qifu Technology” or the “Company”), a leading AI-empowered Credit-Tech platform in China, today published its annual ESG report for 2024. The report demonstrates Qifu Technology's ESG-related guidelines, strategies and targets in 2024, highlighting the Company's efforts to environmental sustainability and social responsibility, the progress to improve corporate governance, and its ESG performance. globenewswire.com - 2 weeks ago
Qifu Technology Filed 2024 Annual Report on Form 20-F SHANGHAI, China, March 25, 2025 (GLOBE NEWSWIRE) -- Qifu Technology, Inc. (NASDAQ: QFIN; HKEx: 3660) (“Qifu Technology” or the “Company”), a leading AI-empowered Credit-Tech platform in China, today announced that it has filed its annual report on Form 20-F for the fiscal year ended December 31, 2024 with the U.S. Securities and Exchange Commission on March 25, 2025. The annual report can be accessed on the Company's investor relations website at ir.qifu.tech as well as the SEC's website at www.sec.gov . The Company will provide a hard copy of the annual report containing its audited consolidated financial statements, free of charge, to its shareholders and ADS holders upon request. globenewswire.com - 2 weeks ago
Qifu Technology, Inc. Announces Proposed Offering of US$600 Million Cash-par Settled Convertible Senior Notes SHANGHAI, China, March 25, 2025 (GLOBE NEWSWIRE) -- Qifu Technology, Inc. (NASDAQ: QFIN; HKEx: 3660) (“Qifu Technology” or the “Company”), a leading AI-empowered Credit-Tech platform in China, today announced a proposed offering (the “Notes Offering”) of convertible senior notes in an aggregate principal amount of US$600 million due 2030 (the “Notes”), subject to market conditions and other factors, only to persons reasonably believed to be qualified institutional buyers pursuant to Rule 144A under the Securities Act of 1933, as amended (the “Securities Act”). The Company intends to grant the initial purchasers in the Notes Offering an option to purchase up to an additional US$90 million in aggregate principal amount of the Notes, exercisable for settlement within a 13-day period beginning on, and including, the date on which the Notes are first issued. globenewswire.com - 2 weeks ago
8. Profile Summary

Qifu Technology, Inc. QFIN

image
COUNTRY CN
INDUSTRY Financial - Credit Services
MARKET CAP $ 2.53 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 3527
Officers Mr. Haisheng Wu Chief Executive Officer & Director Mr. Zuoli Xu CFA Chief Financial Officer & Director Mr. Zhiqiang He Senior Vice President Mr. Yan Zheng Chief Risk Officer