---
title: "Qfin Holdings, Inc. (QFIN.US)"
type: "quote"
locale: "en"
url: "https://longbridge.com/en/quote/QFIN.US.md"
symbol: "QFIN.US"
name: "Qfin Holdings, Inc."
industry: "Consumer Finance"
---

# Qfin Holdings, Inc. (QFIN.US)

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

## Company Profile

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...

## 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: 2026-02-20T04:30:12.000Z

**Overall: C (0.41)**

**Industry**: Consumer Finance

| Metric | Value |
|--------|-------|
| Industry Ranking | 27 / 52 |
| 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 | 13.03% |  |
| Net Profit YoY | 25.01% |  |

#### Value Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| P/B Ratio | 0.58 |  |
| Dividend Ratio | 9.54% |  |


**Size Score**: 

#### Market Cap Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 1.97B |  |

#### Revenue Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue | 2.72B |  |


**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 | 13.03% | B |
| Net Profit YoY | 25.01% | B |
| Total Assets YoY | 28.78% | A |
| Net Assets YoY | 4.51% | C |

#### Cash Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| Cash Flow Margin | 284.52% | C |
| OCF YoY | 13.03% | 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 - Qfin Holdings, Inc.",
  "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": "13.03%",
          "rating": "B"
        },
        {
          "name": "Net Profit YoY",
          "value": "25.01%",
          "rating": "B"
        },
        {
          "name": "Total Assets YoY",
          "value": "28.78%",
          "rating": "A"
        },
        {
          "name": "Net Assets YoY",
          "value": "4.51%",
          "rating": "C"
        }
      ]
    },
    {
      "name": "Cash",
      "grade": "C",
      "indicators": [
        {
          "name": "Cash Flow Margin",
          "value": "284.52%",
          "rating": "C"
        },
        {
          "name": "OCF YoY",
          "value": "13.03%",
          "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 | Dave (US.DAVE) | A | A | A | B | B | A |
| 02 | NerdWallet (US.NRDS) | A | A | A | A | B | A |
| 03 | Kaspi.KZ JSC (US.KSPI) | A | A | C | E | B | B |
| 04 | FirstCash (US.FCFS) | B | B | B | D | B | B |
| 05 | Upstart (US.UPST) | B | A | C | D | A | B |

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | 2.06 | 6/49 | 6.32 | 4.08 | 2.66 |
| PB | 0.58 | 11/49 | 1.82 | 1.23 | 0.74 |
| PS (TTM) | 0.72 | 14/49 | 2.39 | 1.58 | 0.93 |
| Dividend Yield | 9.54% | 4/49 | 7.39% | 4.21% | 2.96% |

## Institutional View

### Analyst Rating Distribution

> As of 2026-02-16T05:00:00.000Z

Total Analysts: **13**

| Rating | Count | Percentage |
|--------|-------|-----------|
| Buy | 9 | 69% |
| Overweight | 3 | 23% |
| Hold | 1 | 8% |
| Underweight | 0 | 0% |
| Sell | 0 | 0% |

### Target Price Forecast

| Metric | Price |
|--------|-------|
| Current Price | 15.08 |
| Highest Target | 43.94 |
| Lowest Target | 16.00 |

## References

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

---

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