Qifu Technology, Inc (QFIN)
UndervaluedFundamental
83
Price
$6.70
Market Cap
$815M
Part 1 · What the company is worth
Overview
Qfin Holdings, Inc., together with its subsidiaries, operate AI- driven credit-tech platform under the Qifu Jietiao brand in the People's Republic of China. The company provides credit-driven services that match borrowers with financial institutions to conduct borrower acquisition, credit assessment, fund matching, and post-facilitation services; and platform services, including loan and post-facilitation services to financial institution partners under capital light model, intelligence credit engine, referral services, and other technology solutions. It serves financial institutions, consumers, and small and micro-enterprises. The company was formerly known as Qifu Technology, Inc. and changed its name to Qfin Holdings, Inc. in July 2025. Qfin Holdings, Inc. was founded in 2016 and is headquartered in Shanghai, the People's Republic of China.
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Direct competitors
Who this company fights with for the same customers
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Balance Sheet & Liquidity
Revenue
$13.38B
Trailing 12 months (through 6/30/2026)
Net Income
$3.74B
Trailing 12 months (through 6/30/2026)
Free Cash Flow
$15.40B
Total Equity
$3.69B
Total Liabilities
$3.56B
Current Ratio
2.17
Interest Coverage
-
Debt/EBITDA
0.60
Earnings Per Share
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
How heavy the debt is
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$825.85
Current Price
$6.70
Margin of Safety
+99.2%
Fair Value Range
$536.80 - $1114.89
Spread across the valuation methods used, not a statistically calibrated confidence interval.
Estimation Methods
Valuation Metrics
P/E Ratio
1.53
ROE
15.3%
P/B Ratio
0.22
P/FCF
0.05
Gross Margin
52.9%
ROIC
59.4%
Profitability Radar
Value Creation (Economic Moat)
ROIC outlierROIC
59.4%
WACC
1.6%
ROIC − WACC
+57.8 pp
ROIC exceeds the cost of capital — the company is creating value for shareholders.
Fundamental Analysis Criteria
Passed (14)
- ROIC 59.4%
- Gross Margin 52.9%
- P/FCF 0.05
- P/B Ratio 0.22
- Debt/Equity ratio
- Positive Free Cash Flow
- Current Ratio
- Debt/EBITDA
- DCF valuation (Undervalued)
- ROE 15.4%
- Revenue Growth 5Y 7.2%
- Analyst Consensus 68% Buy
- PEG Ratio 0.11
- Earnings Quality (OCF/NI) 1.48
Failed (5)
- Price CAGR -8.51%
- CapEx intensity
- Earnings Surprise avg -8.9%
- Net Margin Trend 31.2% vs 36.5%
- Piotroski F-Score 2/9
Unavailable (8)
- EPS data insufficient
- Dividend Payout NaN%
- Operating Margin NaN%
- Interest Coverage
- Return on Tangible Assets
- Low reliance on intangibles
- Price below Graham Number
- Share Dilution (missing shares data)
Piotroski F-Score
Serious financial concerns
Earnings Quality
High quality: earnings backed by cash
Share Dilution
Buying back shares. Shareholder friendly
Institutional Holdings
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Mr. Zuoli Xu CFA | CFO & Director | 56 |
| Mr. Zhiqiang He | Senior Vice President | 42 |
Part 2 · The price and when to enter
This part won't tell you whether the company is worth owning: it helps you choose when to buy it, once the fundamentals have convinced you. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Latest News
Recent headlines for QFIN, sourced from Markets Gazette.