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Qifu Technology, Inc (QFIN)

被低估
Financial ServicesCredit ServicesChina

基本面

83

价格

$6.55

市值

$815M

第一部分 · 这家公司值多少

概览

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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资产负债表与流动性

营收

$13.38B

最近12个月(截至2026/6/30)

净利润

$3.74B

最近12个月(截至2026/6/30)

自由现金流

$15.40B

股东权益合计

$3.69B

负债合计

$3.56B

流动比率

2.17

利息覆盖率

-

债务/EBITDA

0.60

每股收益

营收与净利润

自由现金流

收入构成

历史财务表

利润率变化

债务变化

债务负担有多重

增长一览表

增长 — 营业收入

公允价值估算

一般情形被低估

公允价值

$825.85

当前价格

$6.55

安全边际

+99.2%

公允价值区间

$536.80 - $1114.89

所用估值方法之间的离散区间,并非经过统计校准的置信区间。

估算方法

分析师目标价:$14.80
现金流折现法(DCF):$4566.03
市盈率法(P/E):$12.67
格雷厄姆成长公式:$141.15
盈利能力价值(EPV):$206.71
合理市净率(P/B):$139.19
股息折现模型(戈登模型):$0.58
P/FFO(运营资金):数据不足,无法计算
周期中段收益:数据不足,无法计算
市销率法(P/S):$177.54
分析师共识:买入 (13B / 4H / 2S)
最近财报超预期:-46.21%

估值指标

市盈率(P/E)

1.53

ROE

15.3%

市净率(P/B)

0.22

P/FCF

0.05

毛利率

52.9%

ROIC

59.4%

盈利能力雷达图

价值创造(经济护城河)

ROIC异常值

ROIC

59.4%

WACC

1.6%

ROIC − WACC

+57.8 pp

ROIC 超过资本成本:公司正在为股东创造价值。

基本面分析标准

通过(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

未通过(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

不可用(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-评分

2/9

存在严重财务隐患

score
criteria

盈利质量

1.48

高质量:盈利有现金流支撑

股权稀释

-

正在回购股份,对股东友好

机构持股

公司治理

管理团队

姓名职位年龄
Mr. Zuoli Xu CFACFO & Director56
Mr. Zhiqiang HeSenior Vice President42

第二部分 · 价格与买入时机

这一部分不判断公司是否值得拥有:它帮助你在基本面说服你之后,选择何时买入。包含:技术分析、潜力、历史回撤、Gamma 敞口。

Latest News

Recent headlines for QFIN, sourced from Markets Gazette.

No recent news for QFIN.