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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 Framework: Banks & Lenders Small Cap
Qifu Technology, Inc. (QFIN), is a Small Cap company, in the Credit Services industry, last closed at $5.35, about 479.8% undervalued vs fair value, -76.3% 1Y return, placing in the top 25% of its sector.
Metrics P/E 3.1× Rev Growth 14.6% ROE 24.8% Div Yield 7.85%
USD 5.35
3.48%
(Delayed)
• Vol 90d: 55.6%
52-Week Range
Market Cap
$650.47M
Enterprise Value
$479.82M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Fair
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Fair
Health
Fair
Efficiency
Fair
Valuation
Fair
Completeness: 88%
Confidence: 92%
Updated: Oct 31
Top Beats

Quick Facts

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

Next Events

Earnings Nov 17 Estimated

Fair Value Snapshot

Bear Base Bull
$17
$31
$58
Current: $5.35 +480% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
CNY 8.8B
28.7%%
Interest Expense
CNY 77.2M
Net Interest Income
CNY 8.8B
28.7%%
Total Revenue
CNY 16.1B
14.6%%
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
24.8%
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

CNY 6.2B
103.9% 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 Lender Specialized

Competitive Advantage Assessment

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

Overall Moat Strength
77
/100
Strong
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Strong Equity Cushion Equity cushion is strong (score 0.78).
  • Returns Hold Up Through Funding Cycles Returns are strong for a debt-funded lender (profitability score 0.87).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Funding & Return Stability

Moderate
71
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Signals, strengths and risks for Funding & Return Stability

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing QFIN's balance between Growth (26.9%), Profitability (41.5%), and Safety (31.6%). Growth 27% Safety 32% Profitability 41%

Click axes to expand details. Marker shows current allocation.

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Growth

63th percentile vs peers
63
Key Signals
NII Growth YoY 28.7% 89p Asset Growth YoY 18.3% 86p EPS Growth YoY 6.6% 32p Equity Growth YoY -0.3% 13p
Strengths
  • NII Growth YoY in top 20% of peers (28.7%, 89th percentile)
  • Asset Growth YoY in top 20% of peers (18.3%, 86th percentile)
  • Net Interest Margin in top 20% of peers (15.5%, 98th percentile)
  • Efficiency Ratio in top 20% of peers (21.9%, 98th percentile)
Risks
  • Equity Growth YoY in bottom 20% of peers (-0.3%)

Profitability

97th percentile vs peers
98
Key Signals
Strengths
Risks
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Safety

74th percentile vs peers
74
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
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$31.02
- - -
+479.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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