US · QFIN
Qfin Holdings, Inc.
- Sector
- Financial Services · Financial - Credit Services
- Headquarters
- Shanghai 200122
- Website
- 360shuke.com
Price · as of 2024-12-31
$13.39
Market cap 1.9B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $8.00 | -40.25% |
| Intrinsic Value(DCF) | $38.26 | +185.74% |
| Graham-Dodd Method(GD) | $34.40 | +156.91% |
| Graham Formula(GF) | $78.40 | +485.51% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | |||||
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | |||||
| 2015 | |||||
| 2016 | |||||
| 2017 | $1.50 | $2,513.80 | |||
| 2018 | $11.84 | $43.04 | $1.30 | $14.40 | $754.10 |
| 2019 | $6.69 | $28.48 | $17.85 | $19.10 | $234.90 |
| 2020 | $25.71 | $43.41 | $15,263.38 | $25.40 | $307.30 |
| 2021 | $10.95 | $39.95 | $635.58 | $40.30 | $157.00 |
| 2022 | $15.22 | $31.98 | $50.34 | $21.70 | $28.00 |
| 2023 | $14.02 | $29.12 | $8.34 | $25.50 | $24.70 |
| 2024 | $38.72 | $57.37 | $23.57 | $34.40 | $78.40 |
AI valuation
Our deep-learning model estimates Qfin Holdings, Inc.'s (QFIN) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $8.00
- Current price
- $13.39
- AI upside
- -40.25%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$38.26
+185.74% upside
Graham-Dodd
$34.40
+156.91% upside
Graham Formula
$78.40
+485.51% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| QFIN | Qfin Holdings, Inc. | $13.39 | 1.9B | +328% | +186% | +157% | +486% | 6.57 | 1.70 | 2.40 | 4.33 | 10.82 | 1.78 | 61.77% | 43.86% | 36.49% | 27.16% | 32.51% | 13.34% | 0.07 | — | 2.45 | 0.58 | -0.35 | 6072.00% | 538.00% | 3066.00% | 22.33% | 0.53 | 50.12% | 3.07% | 20.20% | 10.29% | 4.64 | 3.80 | 2.04 | 3.15 |
| AGM | Federal Agricultural Mort… | $157.66 | 1.72B | +1,120% | -15% | -17% | — | 9.53 | 1.01 | 1.32 | 55.06 | 870.60 | 1.01 | 29.47% | 19.40% | 15.73% | 11.38% | 1.28% | 0.55% | 17.93 | 0.28 | 0.12 | 1.68 | 116.89 | 109.00% | -1886.00% | -8682.00% | 4.60% | 0.01 | 0.49% | 5.12% | 48.80% | 5.12% | 55.06 | 175.87 | 10.68 | -0.20 |
| BLX | Banco Latinoamericano de … | $50.03 | 1.86B | +205% | -11% | +51% | — | 8.22 | 1.11 | 5.49 | 17.50 | 90.31 | 1.12 | 93.49% | 66.81% | 66.81% | 15.05% | 5.94% | 1.84% | 2.40 | — | 14.75 | 14.75 | 9.28 | 911.00% | -5811.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 27.54% | 17.50 | — | 11.69 | 0.47 |
| FINV | FinVolution Group | $5.62 | 1.41B | +215% | +17% | +94% | +162% | 6.33 | 0.99 | 1.15 | 2.90 | 75.46 | 1.00 | 79.32% | 19.40% | 18.24% | 16.46% | 31.30% | 10.62% | 0.00 | — | 4.31 | 3.57 | -1.77 | 838.00% | 369.00% | 22735.00% | 19.01% | 0.65 | 42.16% | 2.93% | 18.50% | 7.19% | 3.00 | 2.65 | 0.58 | 3.43 |
| LU | Lufax Holding Ltd | $2.60 | 1.09B | +853% | +620% | +1,146% | — | 2.73 | 0.03 | 0.06 | — | — | 0.03 | 69.55% | 35.51% | 2.13% | 0.96% | 9.36% | 0.30% | 0.49 | 1.61 | 29.50 | 29.05 | — | -8984.00% | -3962.00% | 24581.00% | 618.19% | 9.63 | 15.06% | 59.23% | 161.90% | 218.32% | 0.49 | 0.49 | 0.18 | 1.00 |
| MSDL | Morgan Stanley Direct Len… | $14.80 | 1.28B | +68% | -60% | +83% | +270% | — | 0.74 | 3.24 | 38.97 | — | 0.74 | 0.00% | 0.00% | 45.02% | 0.00% | 0.00% | 0.00% | 0.00 | 0.00 | — | — | -2.64 | -4239.00% | 1948.00% | -2510.00% | 11.74% | — | 5.58% | 1.41% | — | 159.06% | — | 7.98 | 3.03 | 0.49 |
About Qfin Holdings, Inc.
Qifu Technology, Inc., together with its subsidiaries, operates credit-tech platform under the 360 Jietiao brand in the People's Republic of China. The company provides credit-driven services that matches borrowers with financial institutions to conduct customer acquisition, initial and credit screening, advanced risk assessment, credit assessment, fund matching, and other post-facilitation services; and platform services, including loan facilitation and post-facilitation services to financial institution partners under intelligence credit engine, referral services, and risk management software-as-a-service. It offers e-commerce loans, enterprise loans, and invoice loans to SME owners. It serves financial institutions, consumers, and small- and micro-enterprises. The company was formerly known as 360 DigiTech, Inc. and changed its name to Qifu Technology, Inc. in March 2023. Qifu Technology, Inc. was founded in 2016 and is headquartered in Shanghai, the People's Republic of China.
- CEO
- Haisheng Wu
- Employees
- 3.53K
- Beta
- 0.53
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($38.26 ÷ $13.39) − 1 = +185.74% (DCF, example).