---
title: "奇富科技股份有限公司 (03660.HK)"
type: "quote"
locale: "en"
url: "https://longbridge.com/en/quote/03660.HK.md"
symbol: "03660.HK"
name: "奇富科技股份有限公司"
industry: "消费金融"
---

# 奇富科技股份有限公司 (03660.HK)

| Item | Detail |
|------|--------|
| Industry | 消费金融 |
| Location | 港股市场 |
| Website | [www.qfin.com](https://www.qfin.com) |

## Company Profile

奇富科技股份有限公司是一家主要从事信用技术服务的控股公司。该公司提供的服务根据服务性质和相关信用风险水平分为信用驱动服务和平台服务。信用驱动服务为潜在借款人与金融机构撮合，使金融机构能够获得借款人、进行信用评估、资金匹配和贷后服务。平台服务包括轻资本模式下的全方位助贷贷后服务、智能营销服务、转介服务以及智能信用引擎 (ICE) 下为金融机构合作伙伴提供的风险管理软件即服务 (SaaS) 模型。

## Financial Score

> *Longbridge Financial Score™ — Proprietary multi-factor rating model by [Longbridge](https://longbridge.com). This score is independently calculated by Longbridge and is not affiliated with any third-party rating agency.*
> Updated: 2026-02-18T04:30:12.000Z

**Overall: C (0.41)**

**Industry**: Consumer Finance

| Metric | Value |
|--------|-------|
| Industry Ranking | 6 / 30 |
| 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.

### Score Analysis

**Style Score**: 

#### Growth Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 12.89% |  |
| Net Profit YoY | 24.85% |  |

#### Value Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| P/B Ratio | 0.60 |  |
| Dividend Ratio | 9.45% |  |


**Size Score**: 

#### Market Cap Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 16.04B |  |

#### Revenue Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue | 21.17B |  |


**Multi Score**: C

#### Profit Score: A

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 29.25% | A |
| Profit Margin | 35.15% | A |
| Gross Margin | 64.98% | A |

#### Growth Score: B

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 12.89% | B |
| Net Profit YoY | 24.85% | B |
| Total Assets YoY | 28.97% | A |
| Net Assets YoY | 4.66% | C |

#### Cash Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| Cash Flow Margin | 284.52% | C |
| OCF YoY | 12.89% | B |

#### Operating Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| Turnover | 0.36 | C |

#### Debt Score: D

| Indicator | Value | Rating |
|-----------|-------|--------|
| Gearing Ratio | 60.45% | D |


```chart-data:radar
{
  "title": "Longbridge Financial Score - 奇富科技股份有限公司",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Profit",
      "grade": "A",
      "indicators": [
        {
          "name": "ROE",
          "value": "29.25%",
          "rating": "A"
        },
        {
          "name": "Profit Margin",
          "value": "35.15%",
          "rating": "A"
        },
        {
          "name": "Gross Margin",
          "value": "64.98%",
          "rating": "A"
        }
      ]
    },
    {
      "name": "Growth",
      "grade": "B",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "12.89%",
          "rating": "B"
        },
        {
          "name": "Net Profit YoY",
          "value": "24.85%",
          "rating": "B"
        },
        {
          "name": "Total Assets YoY",
          "value": "28.97%",
          "rating": "A"
        },
        {
          "name": "Net Assets YoY",
          "value": "4.66%",
          "rating": "C"
        }
      ]
    },
    {
      "name": "Cash",
      "grade": "C",
      "indicators": [
        {
          "name": "Cash Flow Margin",
          "value": "284.52%",
          "rating": "C"
        },
        {
          "name": "OCF YoY",
          "value": "12.89%",
          "rating": "B"
        }
      ]
    },
    {
      "name": "Operating",
      "grade": "C",
      "indicators": [
        {
          "name": "Turnover",
          "value": "0.36",
          "rating": "C"
        }
      ]
    },
    {
      "name": "Security",
      "grade": "D",
      "indicators": [
        {
          "name": "Gearing Ratio",
          "value": "60.45%",
          "rating": "D"
        }
      ]
    }
  ]
}
```

### Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
|------|------|--------|--------|-----------|----------|------|--------|
| 01 | 联合集团 (HK.373) | C | A | E | B | A | B |
| 02 | 新鸿基公司 (HK.86) | B | A | E | B | B | B |
| 03 | 威华达控股 (HK.622) | C | A | E | A | B | B |
| 04 | 丰银禾控股 (HK.8030) | A | C | C | B | D | B |
| 05 | 易鑫集团 (HK.2858) | B | B | D | D | B | C |

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | 2.13 | 2/30 | 6.45 | 4.11 | 2.64 |
| PB | 0.60 | 19/30 | 1.87 | 1.24 | 0.75 |
| PS (TTM) | 0.75 | 6/30 | 2.45 | 1.59 | 0.93 |
| Dividend Yield | 9.45% | 2/30 | 7.61% | 4.46% | 3.11% |

## Institutional View

### Analyst Rating Distribution

> As of 2026-02-15T16:00:00.000Z

Total Analysts: **6**

| Rating | Count | Percentage |
|--------|-------|-----------|
| Buy | 5 | 83% |
| Overweight | 1 | 17% |
| Hold | 0 | 0% |
| Underweight | 0 | 0% |
| Sell | 0 | 0% |

### Target Price Forecast

| Metric | Price |
|--------|-------|
| Current Price | 61.60 |
| Highest Target | 166.06 |
| Lowest Target | 104.00 |

## References

- [Company Overview](https://longbridge.com/en/quote/03660.HK/overview.md) - Shareholders, executives, business segments
- [Financials](https://longbridge.com/en/quote/03660.HK/norm.md) - Income statement, balance sheet, cash flow, distribution plan
- [Topics & Discussions](https://longbridge.com/en/quote/03660.HK/topics.md) - Community topics and discussions

---

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