Qifu Technology, Inc (QFIN)
POSITIVEFundamental
82
Preço
$11.31
Capitalização de Mercado
$1.39B
Parte 1 · Quanto vale a empresa
Visão Geral
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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Balanço & Liquidez
Receita
$15.10B
Últimos 12 meses (até 31/03/2026)
Resultado Líquido
$5.07B
Últimos 12 meses (até 31/03/2026)
Fluxo de Caixa Livre
$9.88B
Capital Próprio Total
$3.61B
Passivo Total
$2.85B
Rácio de Liquidez
2.22
Cobertura de Juros
-
Dívida/EBITDA
0.39
Resultados Por Ação
Receita & Resultado Líquido
Fluxo de Caixa Livre
Decomposição dos Resultados
Demonstração histórica
Margens ao longo do tempo
A dívida ao longo do tempo
Quanto pesa a dívida
Grelha do crescimento
Crescimento — Receitas
Estimativa de Valor Justo
Valor Justo
$568.69
Preço Atual
$11.31
Margem de Segurança
+98.0%
Intervalo de Valor Justo
$369.65 - $767.74
Métodos de Estimativa
Métricas de Avaliação
Rácio P/E
1.99
ROE
21.3%
Rácio P/B
0.38
P/FCF
0.14
Margem Bruta
57.1%
ROIC
61.8%
Radar de Rentabilidade
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.
Critérios de Análise Fundamental
Aprovado (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
Reprovado (3)
- Price CAGR -3.59%
- Net Margin Trend 31.2% vs 36.5%
- Piotroski F-Score 2/9
Indisponível (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
Preocupações financeiras graves
Qualidade dos Resultados
Alta qualidade: resultados respaldados por caixa
Diluição de Ações
A recomprar ações. Favorável ao acionista
Governação
Equipa Executiva
| Nome | Cargo | Idade |
|---|---|---|
| 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 · O preço e o momento de entrar
Esta parte não serve para saber se a empresa vale: serve para escolher quando comprá-la, depois que os fundamentos te convenceram. Dentro: análise técnica, potencial, quedas históricas, exposição gama.
Latest News
Recent headlines for QFIN, sourced from Markets Gazette.