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Company Analysis

Qifu Technology, Inc QFIN

A comprehensive view of key metrics, scores, and financial health for Qifu Technology, Inc

Overview of Qifu Technology, Inc.

QFIN NMS
Financial Services Credit Services Small Cap
Qifu Technology, Inc. (QFIN), is a Small Cap company, in the Credit Services industry, last closed at $13.84, about 1263.7% undervalued vs fair value, -70.6% 1Y return, placing in the top 25% of its sector.
$13.84
-0.36%
As of March 13, 2026
Previous close • Vol 90d: 50.4%
Market Cap
$1.92B
Enterprise Value
$1.72B
Overall Score
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Top Beats

Quick Facts

Website https://www.qfin.com
HQ Shanghai
Employees 3,527
Fiscal year Dec 31

Next Events

Earnings Mar 17 Call: Mar 18

Fair Value Snapshot

Bear Base Bull
$105
$189
$354
Current: $13.84 +1264% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$6.9B
29%%
Interest Expense
$77.2M
Net Interest Income
$6.9B
29%%
Total Revenue
$14.0B
4.7%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
25.9%
Excellent

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$4.2B
67.6% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating Qifu Technology, Inc's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
70
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Moderate
68
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 96% Coverage
Trade-Off Triangle Visualization A ternary plot showing QFIN's balance between Growth (21.8%), Profitability (44.8%), and Safety (33.4%). Growth 22% Safety 33% Profitability 45%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

40th percentile vs peers
40
Key Signals
EPS Growth YoY 58.2% 66p Rev Growth YoY 4.7% 30p EPS CAGR 3Y 4.7% 46p Revenue CAGR 3Y -0.6% 28p TSR -1.7% 39p
Strengths
  • Interest Coverage Ratio in top 20% of peers (114.55, 95th percentile)
  • Superior capital returns - 3 return metrics above peer median
  • Roic in top 20% of peers (19.6%, 86th percentile)
Risks
  • Growth below peer median (percentile: 40)

Profitability

82th percentile vs peers
83
Key Signals
Strengths
Risks
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Safety

61th percentile vs peers
62
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Qifu Technology, Inc.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
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Bear
-
- - -
- upside
-
Base
$188.74
- - -
+1263.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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