Qfin Holdings, Inc.
QFINFinancial ServicesNASDAQCredit Services
Scan Results
Daily timeframeQfin 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 $1.56B market capitalization puts QFIN squarely in small-cap range for its industry. 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.
Market Cap
$1.56B
Beta
0.57
P/E (TTM)
2.27
P/E (Fwd)
2.73
EPS (TTM)
$5.65
EPS (Fwd)
$4.71
ROE
21.3%
ROA
8.3%
Cash
$6.55B
Total Debt
$2.85B
Free CF
$9.88B
52W Change
-69.4%
Annual Financials
Cash vs Debt
With $6.55B in cash and $2.85B in debt, QFIN maintains more liquidity than leverage. This favorable balance sheet position can be an asset when capital markets become less accommodating. Annual free cash flow of $9.88B supports ongoing capital allocation decisions and provides a cushion against unexpected expenses or downturns. Return on equity stands at 21.3%, which is strong for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. An ROA of 8.3% suggests reasonable efficiency in deploying the company's asset base. Revenue has been uneven over recent years, ranging from $14.28B to $16.08B.
The relatively low beta of 0.57 suggests QFIN is a less volatile holding compared to the broader index. The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence Qfin Holdings, Inc.'s trajectory.