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Qfin Holdings, Inc. QFIN

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Price alert · QFIN

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5.58 USD +0.12 (+2.20%)

At closeNov 6, 2026, 6:32 PM EST

5.50 -0.08 -1.43%

After hours · Nov 6, 6:32 PM ET

5.33 Day range 5.63
5.17 52-week range 23.53
YTD
-71.04%
1 year
-75.29%

Financial health

Altman Z-Score

0.98 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

S-5 / 5 overall

  • DCF 5
  • Return on Equity 4
  • Return on Assets 5
  • Debt / Equity 4
  • P/E 4
  • P/B 4

Valuation

P/E 3.0×
FY 2016: -458×FY 2017: 95.9×FY 2018: -5.5×FY 2019: 3.9×FY 2020: 3.5×FY 2021: 3.9×FY 2022: 5.4×FY 2023: 4.2×FY 2024: 6.6×FY 2025: 3.0×
FY 2016 5y median 4.2× FY 2025
P/S 1.1×
FY 2016: 5710×FY 2017: 23.6×FY 2018: 2.9×FY 2019: 1.4×FY 2020: 0.8×FY 2021: 1.3×FY 2022: 1.3×FY 2023: 1.1×FY 2024: 2.4×FY 2025: 1.1×
FY 2016 5y median 1.3× FY 2025
P/B 0.7×
FY 2016: -1041×FY 2017: 21.0×FY 2018: 2.4×FY 2019: 1.4×FY 2020: 1.2×FY 2021: 1.5×FY 2022: 1.2×FY 2023: 0.8×FY 2024: 1.7×FY 2025: 0.7×
FY 2016 5y median 1.2× FY 2025
P/FCF 1.7×
FY 2016: -134×FY 2017: -131×FY 2018: 39.1×FY 2019: 3.3×FY 2020: 2.2×FY 2021: 3.9×FY 2022: 3.7×FY 2023: 2.6×FY 2024: 4.5×FY 2025: 1.7×
FY 2016 5y median 3.7× FY 2025
EV/EBITDA 2.3×
FY 2016: -333×FY 2017: 69.8×FY 2018: 5.6×FY 2019: 2.7×FY 2020: 0.8×FY 2021: 1.7×FY 2022: 1.7×FY 2023: 1.8×FY 2024: 4.8×FY 2025: 2.3×
FY 2016 5y median 1.8× FY 2025
EV/Sales 1.1×
FY 2016: 5709×FY 2017: 22.9×FY 2018: 2.5×FY 2019: 1.1×FY 2020: 0.5×FY 2021: 1.0×FY 2022: 0.9×FY 2023: 0.9×FY 2024: 2.3×FY 2025: 1.1×
FY 2016 5y median 1.0× FY 2025
FCF Yield 60.4%
FY 2016: -0.7%FY 2017: -0.8%FY 2018: 2.6%FY 2019: 30.0%FY 2020: 46.3%FY 2021: 25.8%FY 2022: 26.9%FY 2023: 39.1%FY 2024: 22.0%FY 2025: 60.4%
FY 2016 5y median 26.9% FY 2025

Profitability

Gross Margin 74.0%
FY 2016: -694.8%FY 2017: 90.2%FY 2018: 93.2%FY 2019: 87.1%FY 2020: 76.4%FY 2021: 77.2%FY 2022: 70.7%FY 2023: 64.1%FY 2024: 61.8%FY 2025: 74.0%
FY 2016 5y median 70.7% FY 2025
Operating Margin 45.9%
FY 2016: -1727.6%FY 2017: 32.6%FY 2018: 44.6%FY 2019: 41.4%FY 2020: 27.9%FY 2021: 40.8%FY 2022: 27.0%FY 2023: 29.8%FY 2024: 43.9%FY 2025: 45.9%
FY 2016 5y median 40.8% FY 2025
Net Margin 37.2%
FY 2016: -1249.5%FY 2017: 25.2%FY 2018: 32.0%FY 2019: 34.9%FY 2020: 25.8%FY 2021: 34.8%FY 2022: 24.3%FY 2023: 26.3%FY 2024: 36.5%FY 2025: 37.2%
FY 2016 5y median 34.8% FY 2025
ROE 24.8%
FY 2016: 227.7%FY 2017: 22.5%FY 2018: 26.9%FY 2019: 34.7%FY 2020: 36.9%FY 2021: 38.0%FY 2022: 21.4%FY 2023: 19.5%FY 2024: 25.9%FY 2025: 24.8%
FY 2016 5y median 24.8% FY 2025
ROIC 17.5%
FY 2016: -61.1%FY 2017: 5.4%FY 2018: 17.0%FY 2019: 12.5%FY 2020: 13.5%FY 2021: 23.3%FY 2022: 14.0%FY 2023: 12.8%FY 2024: 19.0%FY 2025: 17.5%
FY 2016 5y median 17.5% FY 2025
ROA 10.5%
FY 2016: -55.5%FY 2017: 5.3%FY 2018: 16.2%FY 2019: 12.3%FY 2020: 14.3%FY 2021: 17.3%FY 2022: 10.0%FY 2023: 9.4%FY 2024: 13.0%FY 2025: 10.5%
FY 2016 5y median 10.5% FY 2025

Growth (YoY)

Revenue -6.3%
FY 2016: 0.0%FY 2017: 16343.8%FY 2018: 469.2%FY 2019: 92.6%FY 2020: 89.1%FY 2021: 22.6%FY 2022: -0.5%FY 2023: -1.6%FY 2024: 5.4%FY 2025: -6.3%
FY 2016 FY 2025
Operating Income -2.0%
FY 2016: 0.0%FY 2017: 409.9%FY 2018: 679.0%FY 2019: 78.8%FY 2020: 27.7%FY 2021: 79.0%FY 2022: -34.1%FY 2023: 8.6%FY 2024: 55.0%FY 2025: -2.0%
FY 2016 FY 2025
EPS (diluted) 5.1%
FY 2016: 0.0%FY 2017: 548.0%FY 2018: -1843.8%FY 2019: 185.0%FY 2020: 29.6%FY 2021: 65.0%FY 2022: -28.4%FY 2023: 2.6%FY 2024: 60.7%FY 2025: 5.1%
FY 2016 FY 2025
Free Cash Flow 18.0%
FY 2016: 0.0%FY 2017: 30.6%FY 2018: 334.2%FY 2019: 965.8%FY 2020: 80.2%FY 2021: 8.5%FY 2022: 2.3%FY 2023: 19.3%FY 2024: 30.7%FY 2025: 18.0%
FY 2016 FY 2025

Financial Health

Current Ratio 0.5×
FY 2016: 9.7×FY 2017: 30.5×FY 2018: 17.7×FY 2019: 15.1×FY 2020: 22.6×FY 2021: 1.3×FY 2022: 1.0×FY 2023: 0.7×FY 2024: 0.7×FY 2025: 0.5×
FY 2016 5y median 0.7× FY 2025
Quick Ratio 0.5×
FY 2016: 9.7×FY 2017: 30.5×FY 2018: 17.7×FY 2019: 15.1×FY 2020: 22.6×FY 2021: 1.3×FY 2022: 1.0×FY 2023: 0.7×FY 2024: 0.7×FY 2025: 0.5×
FY 2016 5y median 0.7× FY 2025
Debt / Equity 0.2×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.1×FY 2025: 0.2×
FY 2016 5y median 0.0× FY 2025
Net Debt / EBITDA -0.1×
FY 2016: 0.1×FY 2017: -2.2×FY 2018: -0.9×FY 2019: -0.6×FY 2020: -0.5×FY 2021: -0.6×FY 2022: -0.8×FY 2023: -0.4×FY 2024: -0.4×FY 2025: -0.1×
FY 2016 5y median -0.4× FY 2025
Interest Coverage 0.0×
FY 2016: 0.0×FY 2017: 14.8×FY 2018: 23.2×FY 2019: 71.1×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025

Dividends

Dividend Yield 7.7%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 1.2%FY 2022: 4.5%FY 2023: 5.2%FY 2024: 3.0%FY 2025: 7.7%
FY 2016 5y median 4.5% FY 2025
Payout Ratio 23.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 4.7%FY 2022: 24.6%FY 2023: 22.0%FY 2024: 20.2%FY 2025: 23.0%
FY 2016 5y median 22.0% FY 2025

Annual · latest fiscal year ends 2025-12-31