---
title: "Qfin Holdings, Inc. (QFIN.US)"
type: "Symbol"
locale: "en"
url: "https://longbridge.com/en/quote/QFIN.US.md"
symbol: "QFIN.US"
name: "Qfin Holdings, Inc."
industry: "Consumer Finance"
datetime: "2026-05-19T14:08:13.638Z"
locales:
  - [en](https://longbridge.com/en/quote/QFIN.US.md)
  - [zh-CN](https://longbridge.com/zh-CN/quote/QFIN.US.md)
  - [zh-HK](https://longbridge.com/zh-HK/quote/QFIN.US.md)
---

# Qfin Holdings, Inc. (QFIN.US)

## Company Overview

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.

| Item | Detail |
|------|--------|
| Industry | Consumer Finance |
| Exchange | US Market |
| Website | [www.qfin.com](https://www.qfin.com) |

## Key Drivers
> *AI-analyzed key factors driving this stock's performance*


## Longbridge Financial Score™: B
> *Longbridge Financial Score™ — Proprietary multi-factor rating model by Longbridge*
> Updated: 2026-05-19T04:30:12.000Z

**Overall: B (0.40)**

**Industry**: Consumer Finance

| Metric | Value |
|--------|-------|
| Industry Ranking | 12 / 57 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Value - Stocks where the company's main business is in a mature stage.
- **Scale**: Mid - The company has stable operation of a large-cap stock and the high return of a small-cap stock.

**Multi Score**: B

#### Style Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 12.90% |  |
| Net Profit YoY | -3.51% |  |
| P/B Ratio | 0.45 |  |
| Dividend Ratio | 12.00% |  |

#### Size Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 1542596370.28 |  |
| Revenue | 2691876279.18 |  |

#### Multi Score Score: B

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 24.80% | A |
| Profit Margin | 31.19% | A |
| Gross Margin | 61.41% | A |
| Revenue YoY | 12.90% | B |
| Net Profit YoY | -3.51% | C |
| Total Assets YoY | 23.45% | A |
| Net Assets YoY | 3.95% | C |
| Cash Flow Margin | 185.05% | B |
| OCF YoY | 12.90% | B |
| Turnover | 0.37 | C |
| Gearing Ratio | 57.58% | D |

```chart-data:radar
{
  "title": "Longbridge Financial Score - Qfin Holdings, Inc.",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Style Score",
      "grade": "",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "12.90%",
          "rating": ""
        },
        {
          "name": "Net Profit YoY",
          "value": "-3.51%",
          "rating": ""
        },
        {
          "name": "P/B Ratio",
          "value": "0.45",
          "rating": ""
        },
        {
          "name": "Dividend Ratio",
          "value": "12.00%",
          "rating": ""
        }
      ]
    },
    {
      "name": "Size Score",
      "grade": "",
      "indicators": [
        {
          "name": "Market Cap",
          "value": "1542596370.28",
          "rating": ""
        },
        {
          "name": "Revenue",
          "value": "2691876279.18",
          "rating": ""
        }
      ]
    },
    {
      "name": "Multi Score",
      "grade": "B",
      "indicators": [
        {
          "name": "ROE",
          "value": "24.80%",
          "rating": "A"
        },
        {
          "name": "Profit Margin",
          "value": "31.19%",
          "rating": "A"
        },
        {
          "name": "Gross Margin",
          "value": "61.41%",
          "rating": "A"
        },
        {
          "name": "Revenue YoY",
          "value": "12.90%",
          "rating": "B"
        },
        {
          "name": "Net Profit YoY",
          "value": "-3.51%",
          "rating": "C"
        },
        {
          "name": "Total Assets YoY",
          "value": "23.45%",
          "rating": "A"
        },
        {
          "name": "Net Assets YoY",
          "value": "3.95%",
          "rating": "C"
        },
        {
          "name": "Cash Flow Margin",
          "value": "185.05%",
          "rating": "B"
        },
        {
          "name": "OCF YoY",
          "value": "12.90%",
          "rating": "B"
        },
        {
          "name": "Turnover",
          "value": "0.37",
          "rating": "C"
        },
        {
          "name": "Gearing Ratio",
          "value": "57.58%",
          "rating": "D"
        }
      ]
    }
  ]
}
```

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | 1.84 | 4/57 | 4.90 | 2.79 | 2.03 |
| PB | 0.45 | 8/57 | 1.48 | 0.84 | 0.56 |
| PS (TTM) | 0.57 | 14/57 | 1.91 | 1.08 | 0.70 |
| Dividend Yield | 12.00% | 4/57 | 9.89% | 6.76% | 3.67% |

## Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
| --- | --- | --- | --- | --- | --- | --- | --- |
| 01 | NerdWallet (NRDS.US) | A | B | A | A | B | A |
| 02 | Capital One Financial (COF.US) | C | B | E | A | A | B |
| 03 | Synchrony Financial (SYF.US) | B | B | E | A | B | B |
| 04 | Kaspi.KZ JSC (KSPI.US) | A | A | C | E | B | B |
| 05 | Ally Financial (ALLY.US) | C | B | E | A | B | B |

## Institutional View

### Analyst Rating Distribution

> As of 2026-05-13T04:00:00.000Z

Total Analysts: **12**

| Rating | Count | Percentage |
|--------|-------|-----------| 
| Buy | 8 | 67% |
| Overweight | 3 | 25% |
| Hold | 1 | 8% |

### Target Price Forecast

| Metric | Price |
|--------|-------|
| Current Price | 12.84 |
| Highest Target | 32.20 |
| Lowest Target | 14.12 |

## References

- [Company Overview — Profile, executives, shareholders, business breakdown](https://longbridge.com/en/quote/QFIN.US/overview.md)
- [Financial Reports — Income, balance sheet, cash flow, dividends](https://longbridge.com/en/quote/QFIN.US/norm.md)
- [Related News](https://longbridge.com/en/quote/QFIN.US/news.md)
- [Filings — Company announcements and regulatory filings](https://longbridge.com/en/quote/QFIN.US/filings.md)

---

> **Disclaimer: This article is for reference only and does not constitute any investment advice.**