Qifu Technology, Inc (QFIN)
POSITIVEFundamental
82
Precio
$11.31
Capitalización Bursátil
$1.39B
Parte 1 · Cuánto vale la empresa
Resumen
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 y Liquidez
Ingresos
$15.10B
Últimos 12 meses (hasta 31/3/2026)
Beneficio Neto
$5.07B
Últimos 12 meses (hasta 31/3/2026)
Flujo de Caja Libre
$9.88B
Patrimonio Neto Total
$3.61B
Pasivo Total
$2.85B
Ratio de Liquidez
2.22
Cobertura de Intereses
-
Deuda/EBITDA
0.39
Beneficio Por Acción
Ingresos y Beneficio Neto
Flujo de Caja Libre
Desglose de Ingresos
Estado histórico
Márgenes en el tiempo
La deuda en el tiempo
Cuánto pesa la deuda
Cuadro de crecimiento
Crecimiento — Ingresos
Estimación de Valor Justo
Valor Justo
$568.69
Precio Actual
$11.31
Margen de Seguridad
+98.0%
Rango de Valor Justo
$369.65 - $767.74
Métodos de Estimación
Métricas de Valoración
Ratio P/E
1.99
ROE
21.3%
Ratio P/B
0.38
P/FCF
0.14
Margen Bruto
57.1%
ROIC
61.8%
Radar de Rentabilidad
Value Creation (Economic Moat)
ROIC
61.8%
WACC
2.8%
ROIC − WACC
+59.0 pp
ROIC exceeds the cost of capital — the company is creating value for shareholders.
Criterios de Análisis Fundamental
Superado (16)
- ROIC 61.8%
- Gross Margin 57.1%
- P/FCF 0.14
- P/B Ratio 0.38
- Debt/Equity ratio
- Positive Free Cash Flow
- CapEx intensity
- Current Ratio
- Debt/EBITDA
- DCF valuation (Undervalued)
- ROE 21.0%
- Revenue Growth 5Y 7.2%
- Analyst Consensus 84% Buy
- Earnings Surprise avg 3.0%
- PEG Ratio 0.15
- Earnings Quality (OCF/NI) 1.73
Fallido (3)
- Price CAGR -3.59%
- Net Margin Trend 31.2% vs 36.5%
- Piotroski F-Score 2/9
No disponible (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
Preocupaciones financieras graves
Calidad de los Beneficios
Alta calidad: beneficios respaldados por efectivo
Dilución de Acciones
Recomprando acciones. Favorable para el accionista
Gobernanza
Equipo Directivo
| Nombre | Cargo | Edad |
|---|---|---|
| Mr. Haisheng Wu | CEO & Director | 42 |
| Mr. Zuoli Xu CFA | CFO & Director | 56 |
| Mr. Zhiqiang He | Senior Vice President | 42 |
| Mr. Yan Zheng | Chief Risk Officer | 37 |
| Ms. Karen Ji | Senior Director of Capital Markets | - |
Parte 2 · El precio y el momento de entrar
Esta parte no sirve para saber si la empresa vale: sirve para elegir cuándo comprarla, una vez que los fundamentales te han convencido. Dentro: análisis técnico, potencial, caídas históricas, exposición gamma.
Latest News
Recent headlines for QFIN, sourced from Markets Gazette.