Qfin Inc.

QFIN | NASDAQ

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$7.93

-$0.16 (-1.98%)

At close: Sep 21, 2026, 4:00 PM ET

$7.94

+$0.01 (+0.13%)

Pre-market: Sep 22, 2026, 8:18 AM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $1.03B

Enterprise Value $-430.01M

Beta 0.57

Average Volume 1.8M

Shares Outstanding (Diluted) 61.81M

Shares Change YoY -54.53%

Institutional Ownership 49.42%

Exchange NASDAQ

ISIN US88557W1018

Price Performance

Price Change 1M -30.7%

Price Change 3M -47.6%

Price Change 6M -39.6%

Price Change YTD -58.4%

Price Change 1Y -74.2%

Price Change 3Y -48.6%

Price Change 5Y -62.4%

1M CAGR (ann.) -36.8%

1Y CAGR (ann.) -70.8%

5Y CAGR (ann.) -13.1%

All-Time CAGR -5.2%

Valuation

PE Ratio 1.18

Forward PE 3.07

PEG Ratio -0.15

Forward PEG -0.20

PS Ratio 0.43

Forward PS 0.70

PB Ratio 0.28

P/FCF Ratio 1.00

P/Adj. FCF Ratio 1.03

P/OCF Ratio 0.89

EV/Sales -0.03

EV/EBIT -0.08

EV/EBITDA -0.08

EV/FCF -0.06

Earnings Yield 88.4%

FCF Yield 104.4%

Adj. FCF Yield 101.7%

Financial Health

Net Cash ¥7.43B

Total Debt ¥2.95B

Cash & Short-Term Investments ¥10.38B

Total Assets ¥53.11B

Current Ratio 5.47

Quick Ratio 5.47

Debt / Equity Ratio 0.12

Debt / EBITDA 0.52

Debt / FCF 0.41

OCF / Debt 3.50

Interest Coverage 39.73

Altman Z-Score 1.03

Piotroski F-Score 7

Margins & Profitability

Gross Profit Margin 60.8%

Operating Profit Margin 28.4%

EBITDA Margin 35.3%

Net Profit Margin 23.3%

FCF Margin 43.2%

Adj. FCF Margin 42.1%

SBC / Revenue 0.7%

SBC Impact (per share) -2.6%

Returns

Return on Assets 7.0%

Return on Equity 15.4%

Return on Invested Capital 6.9%

Return on Capital Employed 10.0%

Return on Tangible Assets 7.2%

Historical Growth (CAGR)

Revenue CAGR 3Y 9.7%

Revenue CAGR 5Y 5.7%

Revenue CAGR 10Y N/A

EPS CAGR 3Y 24.9%

EPS CAGR 5Y 7.0%

EPS CAGR 10Y N/A

FCF CAGR 3Y 4.9%

FCF CAGR 5Y 9.1%

FCF CAGR 10Y N/A

Analyst Forecasts

Analyst Rating Buy

Analyst Count 4

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Nov 17, 2026

EPS Estimate (next Q) $0.06

EPS Growth Est (next Q) -73.9%

Revenue Est (next Q) $64.82M

Revenue Growth Est (next Q) -40.6%

Fair Value Estimates

Graham Number $63.66

Graham Upside 702.8%

Lynch Fair Value $46.83

Lynch Upside 490.5%

Price Target $14.18

Price Target Upside 78.8%

Cash Flow

Operating Cash Flow ¥10.3B

Free Cash Flow ¥7.22B

Adj. Free Cash Flow ¥7.04B

FCF Per Share $40.46

OCF Per Share $62.39

OCF/S Ratio 54.5%

Income Statement

Revenue ¥16.71B

Gross Profit ¥11.02B

Operating Income ¥4.75B

EBITDA ¥5.66B

Net Income ¥3.72B

EPS (Diluted) $46.98

Revenue / Employee $4.7M

Profit / Employee $1.05M

Employees 3,557

Dividends

Annual Dividend $1.24

Dividend Yield 15.64%

Payout Ratio 2.6%

FCF Payout Ratio 0.0%

Adj. FCF Payout Ratio 0.0%

Dividend Growth (YoY) -15.1%

Pay Frequency Semi-Annual

Ex-Dividend Date Sep 8, 2026