Qfin (QFIN) Stock Price, News & Analysis

Company Overview

360 DigiTech, Inc. (NASDAQ: QFIN) is a China‐based fintech company that specializes in providing digital lending solutions to underserved consumer and small business markets. Leveraging proprietary credit assessment technologies and big data analytics, the company connects borrowers with a network of financial institutions and investors through its online platform. Its services encompass unsecured consumer loans, installment credit products, and working capital financing for micro and small enterprises.

The company’s flagship platform offers an end‐to‐end digital lending experience, from application and credit evaluation to disbursement and repayment. By automating risk management and underwriting processes, 360 DigiTech aims to reduce costs and improve access to credit, particularly for individuals and businesses in lower‐tier cities and rural areas. Its technology stack includes artificial intelligence, machine learning models, and cloud infrastructure that support real‐time decision making and portfolio monitoring.

Founded in 2016 as an affiliate of Qihoo 360 (now 360 Security Technology Inc.), 360 DigiTech completed its initial public offering in early 2018 on the NASDAQ Global Select Market. Since inception, the company has focused on expanding its product suite and enhancing its risk control framework, while forging partnerships with commercial banks, insurance firms and online payment platforms. It also continuously updates its credit algorithms to reflect market trends and borrower behavior.

Headquartered in Beijing, 360 DigiTech serves customers across mainland China. The company is led by a management team with extensive experience in finance, technology and risk management. Its board includes executives who have held leadership roles in both traditional banking institutions and internet‐based financial services firms, underscoring its commitment to innovation and regulatory compliance.

Key Stats

• Today's Range: $16.02 to $17.25
• 50-Day Range: $11.65 to $16.91
• 52-Week Range: $11.31 to $46.18
• Volume: 3.73 million shs
• Average Volume: 1.62 million shs
• Market Capitalization: $2.42 billion
• P/E Ratio: 3.04
• Dividend Yield: 9.03%
• Price Target: $19.91
• Consensus Rating: Hold

Qfin Stock Analysis - MarketRank™

Qfin scored higher than 99% of companies evaluated by MarketBeat, and ranked 6th out of 300 stocks in the business services sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.1 / 5
• Analyst Rating: Hold

Consensus Rating

Qfin has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no strong buy ratings, 1 buy rating, 3 hold ratings, and 1 sell rating.

Upside Potential

Qfin has a consensus price target of $19.91, representing about 18.6% upside from its current price of $16.79.

Amount of Analyst Coverage

Qfin has only been the subject of 3 research reports in the past 90 days.

Earnings and Valuation

• Score: 3.8 / 5
• Proj. Earnings Growth: 4.97%

Earnings Growth

Earnings for Qfin are expected to grow by 4.97% in the coming year, from $3.82 to $4.01 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Qfin is 3.04, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 39.26.

Price to Earnings Ratio vs. Sector

The P/E ratio of Qfin is 3.04, which means that it is trading at a less expensive P/E ratio than the Business Services sector average P/E ratio of about 29.93.

Price to Earnings Growth Ratio

Qfin has a PEG Ratio of 0.30. PEG Ratios below 1 indicate that a company could be undervalued.

Price to Book Value per Share Ratio

Qfin has a P/B Ratio of 0.69. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.67% 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 1.84, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Qfin has recently increased by 11.48%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Leadership

Qfin is a leading dividend payer. It pays a dividend yield of 10.02%, 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 28.21%. 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 38.40% next year. This indicates that Qfin will be able to sustain or increase its dividend.

News and Social Media

• Score: 3.6 / 5
• News Sentiment: 0.80

News Sentiment

Qfin has a news sentiment score of 0.80. 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 news sentiment score is similar to the average news sentiment of Business Services companies.

News Coverage This Week

MarketBeat has tracked 12 news articles for Qfin this week, compared to 3 articles on an average week.

Search Interest

8 people have searched for QFIN on MarketBeat in the last 30 days. This is an increase of 100% compared to the previous 30 days.

MarketBeat Follows

5 people have added Qfin to their MarketBeat watchlist in the last 30 days. This is an increase of 150% compared to the previous 30 days.

Company Ownership

• Score: 4.2 / 5
• Insider Trading: Acquiring Shares

Net Insider Buying

Over the last three months, insiders have purchased a net $2,449,100.00 in company stock, which represents 0.1027% of the company's market cap.

Insider Buying vs. Insider Selling

In the past three months, Qfin insiders have bought more of their company's stock than they have sold. Specifically, they have bought $2,449,100.00 in company stock and sold $0.00 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

• Record date for 5/14 Dividend: 4/22/2026
• Ex-Dividend for 5/14 Dividend: 4/22/2026
• Dividend Payable: 5/14/2026
• Last Earnings: 5/26/2026
• Today: 6/02/2026
• Next Earnings (Estimated): 8/13/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Business Services
• Industry: Technology Services
• Sub-Industry: Banking
• Current Symbol: NASDAQ:QFIN
• CIK: 1741530
• Web: www.360jie.com.cn
• Phone: 862158357668
• Fax: N/A
• Employees: 3,557
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Qfin: $19.91
• High Price Target: $23.40
• Low Price Target: $15.33
• Potential Upside/Downside: +16.5%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 5 Analysts

Profitability

• EPS (Trailing Twelve Months): $5.46
• Trailing P/E Ratio: 3.04
• Forward P/E Ratio: 4.47
• P/E Growth: 0.3
• Net Income: $856.52 million
• Net Margins: 27.48%
• Pretax Margin: 35.01%
• Return on Equity: 20.85%
• Return on Assets: 8.71%

Debt

• Debt-to-Equity Ratio: 0.03
• Current Ratio: 2.22
• Quick Ratio: 2.22

Sales & Book Value

• Annual Sales: $14.99 billion
• Price / Sales: 0.16
• Cash Flow: $6.50 per share
• Price / Cash Flow: 2.63
• Book Value: $24.33 per share
• Price / Book: 0.70

Miscellaneous

• Outstanding Shares: 141,991,000
• Free Float: 117,711,000
• Market Cap: $2.43 billion
• Optionable: Optionable
• Beta: 0.54