Qfin Holdings Inc

Qfin Holdings Inc (QFIN) Stock Analysis

$5.670

-0.146 (-2.58%)At close

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High
5.910
Open
5.910
VWAP
5.74
Volume
1.21M
Mkt Cap
3.01B
Low
5.650
Amount
6.95M
EV/EBITDA, TTM
-1.03

Qfin Holdings Inc, formerly Qifu Technology Inc, is a holding company mainly engaged in credit technology services. The Company’s services are divided into credit-driven services and platform services according to the nature of the service and the level of related credit risk. The credit-driven services match potential borrowers with financial institutions, enabling financial institutions to obtain borrowers, conduct credit evaluation, fund matching and post-loan services. The platform services include a full range of loan assistance and post-loan services under the capital-light model, intelligent marketing services, referral services, and risk management software as services (SaaS) for financial institution partners under the Intelligent Credit Engine (ICE) model.

ir.qfin.com

AI analysis of Qfin Holdings Inc (QFIN)

Sell

QFIN is not a good buy right now due to its current price of $5.67, a very low forward P/E of 3.27, and a concerning RSI of 20.34, indicating oversold conditions. The stock has also seen a staggering year-to-date change of -70.24%, reflecting severe market challenges. The main risk is the class action lawsuit and regulatory concerns that could further impact earnings and investor sentiment.

Valuation Metrics

The current forward P/E ratio for Qfin Holdings Inc (QFIN) is 3.27, compared to its 5-year average forward P/E of 4.18.

Forward P/E

Fair
5Y Average P/E
4.18
Current P/E
3.27
Overvalued
5.19
Undervalued
3.16

Forward EV/EBITDA

Strongly Undervalued
5Y Average EV/EBITDA
2.34
Current EV/EBITDA
-1.03
Overvalued
3.94
Undervalued
0.75

Forward P/S

Undervalued
5Y Average P/S
1.16
Current P/S
0.06
Overvalued
1.83
Undervalued
0.50

Whales holding QFIN

A

Aspex Management (HK) Limited

+ HoldingQFIN

-3.28%

3M Return

K

Krane Funds Advisors, LLC

+ HoldingQFIN

-3.84%

3M Return

Events Timeline

2026-09-20 (ET)

18:30:00

Qfin Management Changes: Haisheng Wu Steps Down as CEO, Yan Zheng Appointed

2026-08-26 (ET)

16:30:00

Major Averages Quiet as Investors Digest Inflation Data

12:30:00

Major Averages Trade Tepidly as Investors Await Nvidia Earnings

2026-08-25 (ET)

20:00:00

Nasdaq Composite Rebounds, Micron Up 2.5%

19:00:00

Company Reports Q2 Revenue of RMB 3.57B, Down Year-on-Year

News

QFIN FAQ — answered by Alphio AI

Qfin Holdings Inc, formerly Qifu Technology Inc, is a holding company mainly engaged in credit technology services. The Company’s services are divided into credit-driven services and platform services according to the nature of the service and the level of related credit risk. The credit-driven services match potential borrowers with financial institutions, enabling financial institutions to obtain borrowers, conduct credit evaluation, fund matching and post-loan services. The platform services include a full range of loan assistance and post-loan services under the capital-light model, intelligent marketing services, referral services, and risk management software as services (SaaS) for financial institution partners under the Intelligent Credit Engine (ICE) model. It operates in the Financials sector.

QFIN is not a good buy right now due to its current price of $5.67, a very low forward P/E of 3.27, and a concerning RSI of 20.34, indicating oversold conditions. The stock has also seen a staggering year-to-date change of -70.24%, reflecting severe market challenges. The main risk is the class action lawsuit and regulatory concerns that could further impact earnings and investor sentiment.

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This page is for research only and is not investment advice. Models can be wrong. Past performance does not guarantee future results.

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