Qfin Holdings, Inc.
QFINFinancial ServicesNASDAQCredit Services · Last scanned May 30, 2026
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Daily timeframeHeadquartered within the financial services sector, Qfin Holdings, Inc. focuses on Credit Services services and products. 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. At a $1.96B market cap, Qfin Holdings, Inc. ranks as a small-cap company within financial services. 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
$1.96B
Beta
0.54
P/E (TTM)
2.83
P/E (Fwd)
3.22
EPS (TTM)
$5.69
EPS (Fwd)
$5.00
ROE
21.3%
ROA
8.3%
Cash
$6.55B
Total Debt
$2.85B
Free CF
$9.88B
52W Change
-60.7%
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. Free cash flow comes in at $9.88B, providing flexibility for reinvestment, buybacks, or dividends. Consistent free cash flow generation is often considered a sign of operational health. ROE of 21.3% points to strong capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. 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.
QFIN's low beta indicates it tends to be less volatile than the broader market, which may suit investors seeking more stable price behavior. The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing QFIN.