QFIN Qfin Holdings, Inc.
Nasdaq · Financials · Finance Services · Market cap $879M · $6.46 on 2026-10-02
Buy rangeTier ADetailed (TTM)
PE<5: check one-off gainsfinancial (bank/insurer/broker): OCF-based tests less meaningfulreports in CNY, converted at 6.704 CNY/USD ADR: 1 ADS = 2 shares EPS from yahoo TTM to 2026-06-30micro-cap
Price moves
1 week-12%
1 month-29%
3 months-58%
6 months-50%
YTD-63%
1 year-78%
Off 52w high-79%
52w range$6–$31
Price and total return
PriceTotal return (dividends reinvested)
Show year-end values
| Year | Price | Dividend-adjusted |
|---|---|---|
| 2019 | $9.77 | $7.13 |
| 2020 | $11.79 | $8.61 |
| 2021 | $22.93 | $16.97 |
| 2022 | $20.36 | $15.86 |
| 2023 | $15.82 | $12.86 |
| 2024 | $38.38 | $32.81 |
| 2025 | $19.27 | $17.24 |
| 2026-10-02 (latest) | $6.46 | $6.46 |
Dividend-adjusted values are back-adjusted to today's price: the gap to the price column is the value of dividends reinvested since then.
Buy (MOS)
$8
$8
Sticker
$16
$16
Ten Cap
$119
$119
Payback Time
$180
$180
Price
$6
$6
Valuation
| Buy (MOS) 50% of Sticker | $7.86 | 22% |
|---|---|---|
| Ten Cap 10× owner earnings | $118.85 | 1740% |
| Payback Time 8-year FCF payback | $179.80 | 2683% |
| Sticker Rule #1 intrinsic value | $15.72 | 143% |
| Windage growth g | 14.1% | |
| Future P/E (min 2g, 10y median) | 3.9× | |
| P/E · 10y median | 1.5× | 3.9× |
| EPS TTM 2025-12-31 | $4.37 | |
| FCF yield | 184.0% | |
| Dividend (TTM) · yield | $1.24 | 19.2% |
| Total return per year, dividends reinvested · 5y · 10y | -15.1% | – |
| Revenue · net income last FY | $2.7B | $857M |
Big Five 9/11 tests ≥10%
| 10y | 5y | 1y | |
|---|---|---|---|
| ROIC | 26% | 24% | 22% |
| Sales growth | – | 7% | 12% |
| EPS growth | – | 14% | 7% |
| BVPS growth | – | 23% | 11% |
| OCF growth | – | 16% | 19% |
| Debt payoff (yrs of FCF) | 0.0 |
Events
-79% off 52w high; insider buying (1 Form 4s, $0.06M); next report ~2026-10-05
Next report ≈ 2026-10-05 · SEC filings ·Yahoo Finance
Research
- Rule #1 weekly scout, 4 Oct 2026 2026-10-04