Qfin (QFIN) Stock Price, News & Analysis

Company Overview

Qifu Technology, Inc. (NASDAQ: QFIN), formerly known as 360 DigiTech, Inc., is a China-based financial technology company. It operates a technology platform that connects individual borrowers with financial institution partners and supports the origination, underwriting, servicing and management of consumer credit products.

The company uses data analytics, artificial intelligence and other digital tools to assess credit risk and improve lending efficiency. Its platform supports products and services designed to provide personal loans and other consumer financing options, primarily through online and mobile channels. Qifu may also provide technology and risk-management services to partner financial institutions.

Founded in 2016 and publicly listed in the United States in 2018, the company was established as 360 Finance and later changed its name to Qifu Technology. Its operations are focused primarily on serving consumers and financial institution partners in mainland China. Qifu is associated with the broader 360 ecosystem, founded by entrepreneur Zhou Hongyi, although its financial services operations are conducted through the company’s own platform and partnerships.

Key Stats

• Today's Range: $5.18 to $5.58
• 50-Day Range: $5.17 to $11.53
• 52-Week Range: $5.10 to $24.05
• Volume: 1.68 million shs
• Average Volume: 2.02 million shs
• Market Capitalization: $651.36 million
• P/E Ratio: 1.32
• Dividend Yield: 16.82%
• Price Target: $12.29
• Consensus Rating: Reduce

Qfin Stock Analysis - MarketRank™

Qfin scored higher than 97% of companies evaluated by MarketBeat, and ranked 44th out of 859 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.8 / 5
• Analyst Rating: Reduce

Consensus Rating

Qfin has received a consensus rating of Reduce. The company's average rating score is 1.63, and is based on no strong buy ratings, 1 buy rating, 3 hold ratings, and 4 sell ratings.

Upside Potential

Qfin has a consensus price target of $12.29, representing about 129.7% upside from its current price of $5.35.

Amount of Analyst Coverage

Qfin has been the subject of 8 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 4.53%

Earnings Growth

Earnings for Qfin are expected to grow by 4.53% in the coming year, from $2.43 to $2.54 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Qfin is 1.32, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.62.

Price to Earnings Ratio vs. Sector

The P/E ratio of Qfin is 1.32, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 18.69.

Price to Book Value per Share Ratio

Qfin has a P/B Ratio of 0.22. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.37% of the float of Qfin has been sold short.

Short Interest Ratio / Days to Cover

Qfin has a short interest ratio ("days to cover") of 1.13, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Qfin has recently decreased by 13.69%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Leadership

Qfin is a leading dividend payer. It pays a dividend yield of 16.39%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

Qfin does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Qfin is 21.63%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Qfin will have a dividend payout ratio of 35.43% next year. This indicates that Qfin will be able to sustain or increase its dividend.

News and Social Media

• Score: 1.9 / 5
• News Sentiment: 0.05

News Sentiment

Qfin has a news sentiment score of 0.05. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.67 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 23 news articles for Qfin this week, compared to 5 articles on an average week.

Search Interest

Only 2 people have searched for QFIN on MarketBeat in the last 30 days. This is a decrease of 0% compared to the previous 30 days.

MarketBeat Follows

Only 3 people have added Qfin to their MarketBeat watchlist in the last 30 days. This is a decrease of -25% compared to the previous 30 days.

Company Ownership

• Score: 2.0 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Qfin insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $4,889,121.00 in company stock.

Percentage Held by Insiders

17.10% of the stock of Qfin is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

74.81% of the stock of Qfin is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

Company Calendar

• Last Earnings: 8/14/2026
• Record date for 10/1 Dividend: 9/09/2026
• Ex-Dividend for 10/1 Dividend: 9/09/2026
• Dividend Payable: 10/01/2026
• Today: 11/02/2026
• Next Earnings (Estimated): 11/18/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Consumer Finance
• Sub-Industry: Consumer Finance
• Current Symbol: NASDAQ:QFIN
• CIK: 1741530
• Web: www.qfin.com
• Phone: +862161516360
• Fax: N/A
• Employees: 3,557
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Qfin: $12.29
• High Price Target: $15.40
• Low Price Target: $8.00
• Potential Upside/Downside: +129.7%
• Consensus Rating: Reduce
• Rating Score (0-4): 1.63
• Research Coverage: 8 Analysts

Profitability

• EPS (Trailing Twelve Months): $4.16
• Trailing P/E Ratio: 1.32
• Forward P/E Ratio: 2.11
• P/E Growth: N/A
• Net Income: $856.52 million
• Net Margins: 22.23%
• Pretax Margin: 32.05%
• Return on Equity: 15.23%
• Return on Assets: 6.60%

Debt

• Debt-to-Equity Ratio: 0.03
• Current Ratio: 2.17
• Quick Ratio: 2.17

Sales & Book Value

• Annual Sales: $2.75 billion
• Price / Sales: 0.24
• Cash Flow: $5.94 per share
• Price / Cash Flow: 0.90
• Book Value: $24.33 per share
• Price / Book: 0.22

Miscellaneous

• Outstanding Shares: 121,750,000
• Free Float: 100,932,000
• Market Cap: $651.36 million
• Optionable: Optionable
• Beta: 0.55