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Qifu Technology Inc

QFIN

28.770USD

+0.410+1.45%
Close 09/15, 16:00ETQuotes delayed by 15 min
4.09BMarket Cap
0.56P/E TTM

Qifu Technology Inc

28.770

+0.410+1.45%

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score

Currency: USD Updated2025-09-15

Key Insights

The company's fundamentals are relatively very healthy. Its valuation is considered fairly valued,and institutional recognition is very high. Over the past 30 days, multiple analysts have rated the company as a Buy. The company is performing strongly in the stock market, with strong fundamentals and technicals supporting the momentum. The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Industry Ranking
53 / 400
Overall Ranking
147 / 4724
Industry
Banking Services

Support & Resistance

No Data

Score Analysis

Current score
Previous score

Analyst Rating

Based on 13 analysts
Buy
Current Rating
51.423
Target Price
+81.32%
Upside Space
Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Company Highlights

StrengthsRisks
Qifu Technology Inc, formerly 360 DigiTech Inc, is a China-based company mainly engaged in credit technology services. The services provided by the Company 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.
High Profit Growth
The company's net income leads the industry, with the latest annual income totaling USD 47.09.
High Dividend
The company is a high dividend payer, with the latest dividend payout ratio of 20.00%.
Fairly Valued
The company’s latest PB is 0.17, at a medium 3-year percentile range.
Institutional Selling
The latest institutional holdings are 116.67M shares, decreasing 1.04% quarter-over-quarter.
Held by The Vanguard
Star Investor The Vanguard holds 4.65M shares of this stock.
Higher Market Activity
The company has more investor interest, with a 20-day turnover ratio of 0.65.

Financial Health

Currency: USD Updated2025-09-15

The company's current financial score is 7.64, which is higher than the Banking Services industry's average of 7.33. Its financial status is robust, and its operating efficiency is average. Its latest quarterly revenue reached 4.69B, representing a year-over-year increase of 12.94%, while its net profit experienced a year-over-year increase of 54.62%.

Score

Industry at a Glance

Previous score
7.64
Change
1.5

Financials

10.00

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

No Data

Quality of Earnings

8.43

Operational Efficiency

9.80

Growth Potential

10.00

Shareholder Returns

7.46

Company Valuation

Currency: USD Updated2025-09-15

The company’s current valuation score is 5.60, which is higher than the Banking Services industry's average of 4.39. Its current P/E ratio is 0.58, which is 45.04% below the recent high of 0.84 and -11.24% above the recent low of 0.64.

Score

Industry at a Glance

Previous score
1.21
Change
0

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 53/400
No Data

Earnings Forecast

Currency: USD Updated2025-09-15

The company’s current earnings forecast score is 8.83, which is higher than the Banking Services industry's average of 7.34. The average price target for Qifu Technology Inc is 53.70, with a high of 58.50 and a low of 40.00.

Score

Industry at a Glance

Previous score
8.77
Change
0

Support & Resistance

No Data

Analyst Rating

Based on 13 analysts
Buy
Current Rating
51.423
Target Price
+81.32%
Upside Space
Strong Buy
Buy
Hold
Sell
Strong Sell

Peer Comparison

37
Total
6
Median
8
Average
Company name
Ratings
Analysts
Qfin Holdings Inc
QFIN
13
American Express Co
AXP
31
Capital One Financial Corp
COF
24
Synchrony Financial
SYF
23
SoFi Technologies Inc
SOFI
23
Ally Financial Inc
ALLY
20
1
2
3
...
8

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

No Data

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Price Momentum

Currency: USD Updated2025-09-15

The company’s current price momentum score is 6.86, which is lower than the Banking Services industry's average of 8.78. Sideways: Currently, the stock price is trading between the resistance level at 33.62 and the support level at 27.13, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score
6.63
Change
0.23

Support & Resistance

No Data

Indicators

The Indicators feature provides value and direction analysis for various instruments under a selection of technical indicators, together with a technical summary.

This feature includes nine of the commonly used technical indicators: MACD, RSI, KDJ, StochRSI, ATR, CCI, WR, TRIX and MA. You may also adjust the timeframe depending on your needs.

Please note that technical analysis is only part of investment reference, and there is no absolute standard for using numerical values to assess direction. The results are for reference only, and we are not responsible for the accuracy of the indicator calculations and summaries.

Indicators
Sell(2)
Neutral(3)
Buy(1)
Indicators
Value
Direction
MACD(12,26,9)
0.490
Neutral
RSI(14)
36.910
Neutral
STOCH(KDJ)(9,3,3)
40.652
Buy
ATR(14)
0.891
Low Volatility
CCI(14)
-54.603
Neutral
Williams %R
68.124
Sell
TRIX(12,20)
-0.760
Sell
StochRSI(14)
100.000
Overbought
Moving Average
Sell(4)
Neutral(0)
Buy(2)
Indicators
Value
Direction
MA5
28.484
Buy
MA10
28.696
Buy
MA20
29.355
Sell
MA50
34.290
Sell
MA100
38.516
Sell
MA200
39.256
Sell

Institutional Confidence

Currency: USD Updated2025-09-15

The company’s current institutional recognition score is 7.00, which is higher than the Banking Services industry's average of 6.35. The latest institutional shareholding proportion is 86.76%, representing a quarter-over-quarter decrease of 0.05%. The largest institutional shareholder is The Vanguard, holding a total of 4.65M shares, representing 3.46% of shares outstanding, with 8.83% increase in holdings.

Score

Industry at a Glance

Previous score
7.00
Change
0

Institutional Shareholding

No Data

Shareholder Activity

Name
Shares Held
Chg %
Aspex Management (HK) Limited
5.07M
-20.51%
OLP Capital Management Limited
6.58M
-13.22%
FountainVest China Capital Partners GP3 Ltd
7.51M
--
Acadian Asset Management LLC
5.58M
-3.05%
Krane Funds Advisors, LLC
7.03M
+24.45%
The Vanguard Group, Inc.
Star Investors
4.55M
+0.69%
AllianceBernstein L.P.
2.90M
+20.85%
Greenwoods Asset Management Limited
2.69M
--
BlackRock Institutional Trust Company, N.A.
3.03M
+1.27%
Morgan Stanley Investment Management Inc. (US)
4.64M
-2.86%
1
2

Risk Assessment

Currency: USD Updated2025-09-15

The U.S. Dollar Index is currently in a neutral state, which has a neutral effect on the Banking Services domestic-focused industry. The Dollar Index (DXY) measures the value of the U.S. dollar against a basket of major currencies, including the euro, yen, pound sterling, Canadian dollar, Swedish krona, and Swiss franc. The company’s current risk assessment score is 4.50, which is lower than the Banking Services industry's average of 5.16. The company's beta value is 0.52. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets.

Score

Industry at a Glance

Previous score
4.11
Change
0
Beta vs S&P 500 index
0.49
VaR
+6.06%
240-Day Maximum Drawdown
+41.58%
240-Day Volatility
+53.77%
Return
Best Daily Return
60 days
+6.07%
120 days
+6.88%
5 years
+43.70%
Worst Daily Return
60 days
-9.57%
120 days
-12.03%
5 years
-22.57%
Sharpe Ratio
60 days
-3.97
120 days
-1.67
5 years
+0.64
Risk Assessment
Maximum Drawdown
240 days
+41.58%
3 years
+45.92%
5 years
+78.00%
Return-to-Drawdown Ratio
240 days
-0.07
3 years
+1.33
5 years
+0.32
Skewness
240 days
+0.16
3 years
+0.67
5 years
+0.96
Volatility
Realised Volatility
240 days
+53.77%
5 years
+68.17%
Standardised True Range
240 days
+6.04%
5 years
+4.54%
Downside Risk-Adjusted Return
120 days
-233.89%
240 days
-233.89%
Maximum Daily Upside Volatility
60 days
+27.06%
Maximum Daily Downside Volatility
60 days
+33.88%
Liquidity
Average Turnover Rate
60 days
+0.63%
120 days
+0.69%
5 years
--
Turnover Deviation
20 days
+64.76%
60 days
+37.01%
120 days
+48.72%

Peer Comparison

Banking Services
Qifu Technology Inc
Qifu Technology Inc
QFIN
6.70 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Intercorp Financial Services Inc
Intercorp Financial Services Inc
IFS
7.60 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
AerCap Holdings NV
AerCap Holdings NV
AER
7.52 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
East West Bancorp Inc
East West Bancorp Inc
EWBC
7.51 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Credicorp Ltd
Credicorp Ltd
BAP
7.51 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Dime Community Bancshares Inc
Dime Community Bancshares Inc
DCOM
7.48 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
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