QFIN Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range

03
Price $6.55
Market Cap $1.60B
P/E 0.3
EPS $22.01
Revenue $19.21B
ROE 24.7%
52W Range $6–$31

QFIN Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view

04
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10-Year Performance Revenue, net income, margins and EPS trends

06
Revenue$19.21B
2017-12-31 → 2025-12-31
EPS$22.01
2017-12-31 → 2025-12-31
Free Cash Flow$10.84B
2018-12-31 → 2025-12-31
Net margin31.1%
2018-12-31 → 2025-12-31
Valuation & Ratios 07–12

Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?

Metric 5Y trend QFIN 5Y avg Peer Median Verdict
P/E 0.35Y avg ≈1.4 ≈1.4 · ·
P/S 0.15Y avg ≈0.4 ≈0.4 · ·
P/B 0.15Y avg ≈0.3 ≈0.3 · ·
Price / FCF 0.15Y avg ≈0.9 ≈0.9 · ·
Price / Cash Flow 0.15Y avg ≈0.9 ≈0.9 · ·
Price / Tangible Book 0.15Y avg ≈0.3 ≈0.3 · ·

Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.

value · ≈ 5Y avg · industry median · verdict relative to median

Dividends Yield, payout ratio, dividend history, 5Y CAGR

13
Annualized Payout≈$0.92Paid semi-annually
Growth Streak≈3Consecutive years of dividend growth
Ex-dateAmountCurrencyYield
Sep 9, 2026$0.46USD≈14.4%
Apr 22, 2026$0.78USD≈11.6%
Sep 8, 2025$0.76USD≈5.2%
Apr 23, 2025$0.70USD≈3.3%
Sep 27, 2024$0.60USD≈4.0%
Apr 12, 2024$0.58USD≈5.8%
Sep 21, 2023$0.50USD≈5.5%
Apr 10, 2023$0.16USD≈3.8%
Dec 9, 2022$0.16USD≈4.6%
Sep 15, 2022$0.18USD≈6.6%
Jun 16, 2022$0.22USD≈5.0%
Apr 5, 2022$0.26USD≈3.5%
Dec 14, 2021$0.28USD≈1.3%

Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date

14
Avg Surprise -2.7%
Next Report Nov 16, 2026
PeriodReportEPS ActualEPS EstSurprise
June 30, 2026 Aug 25, 2026 $3.23 $6.00 -46.2%
March 31, 2026 May 26, 2026 $7.70 $6.52 18.1%
Dec. 31, 2025 $8.23 $8.37 -1.7%
Sept. 30, 2025 $11.36 $12.04 -5.6%
June 30, 2025 $13.63 $13.46 1.2%
March 31, 2025 $13.53 $12.77 5.9%
Dec. 31, 2024 $13.66 $12.48 9.5%

Full Fundamentals All metrics by year — income statement, balance sheet, cash flow

15
Income Statement 15
Metric Trend 202520242023202220212020201920182017
Revenue $19.21B$17.17B$16.29B$16.55B$16.64B$13.56B$9.22B$4.45B$788M
Cost of Revenue $3.00B$2.90B$2.66B$2.37B$2.25B$1.60B$1.08B$666M$122M
SG&A Expense $659M$450M$421M$413M$557M$456M$428M$561M$46M
Operating Expenses $12.53B$9.64B$11.43B$12.08B$9.85B$9.77B$6.33B$2.80B$578M
Operating Income $6.68B$7.53B$4.86B$4.47B$6.79B$3.79B$2.89B$1.64B$211M
Interest Income ·······$10M$2M
Other Non-op $165M$125M$231M$268M$65M$113M$140M$8M$22.0K
Pretax Income $7.38B$7.89B$5.28B$4.74B$7.02B$4.08B$2.97B$1.66B$213M
Income Tax $1.40B$1.64B$1.01B$737M$1.26B$586M$466M$466M$48M
Net Income $5.98B$6.25B$4.27B$4.01B$5.76B$3.50B$2.50B$1.19B$165M
EPS (Basic) $22.48$21.02$13.36$12.87$18.82$11.72$8.66$-9.39$0.83
EPS (Diluted) $22.01$20.64$13.04$12.50$17.99$11.40$8.31$-9.39$0.83
Shares (Basic) 266,496,992298,012,150320,749,805312,589,273307,265,600298,222,207288,827,604202,751,277198,347,168
Shares (Diluted) 272,171,878303,449,864328,508,945322,018,510321,397,753306,665,099300,938,470202,751,277198,347,168
EBITDA $6.75B$7.60B$4.93B$4.55B$6.85B$3.83B$2.90B$1.65B·
Balance Sheet 24
Metric Trend 202520242023202220212020201920182017
Cash & Equivalents $4.70B$4.45B$4.18B$7.17B$6.12B$4.42B$2.11B$1.45B$469M
Short-term Investments $2.85B$3.39B$15M$57M·····
Prepaid Expense $773M$1.46B$330M$379M$384M$401M$653M$109M$34M
Current Assets $49.48B$42.78B$39.80B$34.10B$27.76B$21.88B$19.50B$7.34B$3.02B
PP&E (Net) $637M$363M$231M$48M$25M$19M$17M$7M$6M
PP&E (Gross) ·······$12M$7M
Accum. Depreciation ·······$5M$1M
Goodwill $45M$42M$41M······
Intangibles $11M$12M$13M$5M$5M$3M$4M$847.0K$262.0K
Other Non-current Assets $195M$36M$46M$56M$43M$49M$55M··
Total Assets $56.95B$48.13B$45.82B$40.34B$33.50B$24.39B$20.36B$7.35B$3.10B
Current Liabilities $20.36B$17.47B$19.90B$16.75B$14.14B$13.38B$9.67B$2.89B$2.37B
Capital Leases $14M$8M$12M$22M$13M$15M$31M··
Deferred Tax $320M$439M$225M$101M$121M$38M·$16M·
Other Non-current Liabilities $600M$255M$102M$40M$13M$15M$31M··
Total Liabilities $32.79B$23.89B$23.81B$21.41B$18.29B$14.91B$13.14B$2.91B$2.37B
Long-term Debt ·$247M$91M$18M·····
Common Stock $20.0K$21.0K$22.0K$22.0K$22.0K$21.0K$20.0K$20.0K·
Retained Earnings $24.50B$20.95B$16.30B$12.80B$9.64B$4.14B$2.07B$-430M$144M
Treasury Stock $4.07B$1.11B$385M······
AOCI $-196M$12M$-35M$-52M$-111M$-74M$25M$4M·
Stockholders' Equity $24.11B$24.19B$21.94B$18.85B$15.20B$9.48B$7.21B$4.44B$734M
Liabilities + Equity $56.95B$48.13B$45.82B$40.34B$33.50B$24.39B$20.36B$7.35B$3.10B
Shares Outstanding 243,823,900283,981,320315,226,128322,792,063310,486,975304,453,780293,420,800287,652,707·
Cash Flow 16
Metric Trend 202520242023202220212020201920182017
D&A $68M$75M$74M$77M$66M$36M$8M$4M$1M
Stock-based Comp $378M$168M$186M$200M$254M$301M$250M$607M·
Deferred Tax $-304M$83M$73M$-209M$204M$-770M$-713M$91M$-68M
Other Non-cash $4.97B$2.77B$2.52B$1.85B$-499M$2.26B$927M$-1.61B·
Operating Cash Flow $11.08B$9.34B$7.12B$5.92B$5.79B$5.33B$2.97B$285M$-111M
CapEx $241M$153M$85M$27M$25M$15M$26M$9M$7M
Investing Cash Flow $-13.08B$-7.99B$-11.15B$-7.36B$-6.06B$893M$-8.86B$328M$-1.20B
Debt Issued ·$157M$73M$18M·····
Net Debt Issued ·$157M$73M$18M·····
Stock Issued ·······$210M$590M
Stock Repurchased $4.85B$2.97B$636M······
Net Stock Activity $-4.85B$-2.97B$-636M····$210M·
Financing Cash Flow $2.78B$-2.11B$1.07B$3.20B$2.26B$-3.28B$7.71B$457M$2.27B
Net Change in Cash $735M$-753M$-2.95B$1.75B$1.99B$2.94B$1.82B$1.06B$950M
Taxes Paid $-1.61B$-1.26B$-853M$-905M$-1.21B$-741M$-557M$-58M$-464.0K
Free Cash Flow $10.84B$9.19B$7.03B$5.90B$5.76B$5.31B$2.95B$277M·
Profitability 7
Metric Trend 202520242023202220212020201920182017
Operating Margin 34.8%43.9%29.8%27.0%40.8%27.9%31.4%37.0%·
Net Margin 31.1%36.4%26.2%24.2%34.6%25.8%27.1%26.8%·
Pretax Margin 38.4%46.0%32.4%28.6%42.2%30.1%32.2%37.3%·
EBITDA Margin 35.1%44.3%30.3%27.5%41.2%28.2%31.5%37.1%·
ROA 11.4%13.3%9.9%10.8%19.9%15.6%18.1%22.8%·
ROE 24.7%27.1%20.9%23.5%46.7%41.9%42.9%46.1%·
ROIC 22.4%24.6%17.9%20.0%36.6%34.2%33.8%26.6%·
Liquidity & Solvency 2
Metric Trend 202520242023202220212020201920182017
Current Ratio 2.42.42.02.02.01.62.02.5·
Quick Ratio 0.40.40.20.40.40.30.20.5·
Efficiency 1
Metric Trend 202520242023202220212020201920182017
Asset Turnover 0.40.40.40.40.60.60.70.9·
Per Share 5
Metric Trend 202520242023202220212020201920182017
Book Value / Share $98.90$85.18$69.59$58.39$48.97$31.14$24.58$15.44·
Revenue / Share $70.56$56.57$49.59$51.41$51.76$44.23$30.64$21.93·
Cash Flow / Share $40.72$30.79$21.67$18.39$18.01$17.37$9.88$1.41·
Cash / Share $19.26$15.68$13.25$22.20$19.70$14.51$7.18$5.03·
EPS (TTM) $22.01$20.64$13.04$12.50$17.99$11.40$8.31$-9.39·
Valuation (TTM) 10
Metric Trend 202520242023202220212020201920182017
Revenue TTM $19.21B$17.17B$16.29B$16.55B$16.64B$13.56B$9.22B$4.45B·
Net Income TTM $5.98B$6.25B$4.27B$4.01B$5.76B$3.50B$2.50B$1.19B·
Market Cap $4.70B$10.90B$4.99B$6.57B$7.12B$3.59B$2.87B$4.46B·
P/E 0.91.91.21.61.31.01.2-1.7·
P/S 0.20.60.30.40.40.30.31.0·
P/B 0.20.50.20.30.50.40.41.0·
P / Tangible Book 0.20.50.20.30.50.4···
P / Cash Flow 0.41.20.71.11.20.71.015.6·
P / FCF 0.41.20.71.11.20.71.016.1·
Earnings Yield 114.2%53.8%82.4%61.4%78.5%96.7%85.1%-60.6%·

Most recent period on the left · null values shown as ·

Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

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Metric 2025-12-312024-12-312023-12-312022-12-312021-12-31
Revenue $19.21B $17.17B $16.29B $16.55B $16.64B
Operating Margin % 34.8% 43.9% 29.8% 27.0% 40.8%
Net Income $5.98B $6.25B $4.27B $4.01B $5.76B
Diluted EPS $22.01 $20.64 $13.04 $12.50 $17.99

Institutional owners (13F) 184 filers · $1.2B total · As of June 30, 2026

17

Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.

Holders 184
Value held $1.2B
New positions 26
Exited positions 41
Institutional activity — Q2 2026 vs prior quarter
New positions Exited positions Increased Decreased Net shares change
26 (-7 vs prior Q) 41 (-29 vs prior Q) 48 (-10 vs prior Q) 70 (-1 vs prior Q) +2.5M

Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.

Institution Value Shares % of tracked 13F Type
BlackRock, Inc. $101,673,620 6,430,969 8.51% Shares
FountainVest China Capital Partners GP3 Ltd. $95,483,341 6,039,427 7.99% Shares
VANGUARD GROUP INC $88,144,141 4,574,164 7.38% Shares
Triata Capital Ltd $81,684,152 5,166,613 6.84% Shares
Krane Funds Advisors LLC $54,194,514 3,427,863 4.54% Shares
VANGUARD CAPITAL MANAGEMENT LLC $51,804,374 3,276,684 4.34% Shares
Greenwoods Asset Management Hong Kong Ltd. $47,927,035 3,031,438 4.01% Shares
D. E. Shaw & Co., Inc. $39,971,348 2,528,232 3.35% Shares
BANK OF AMERICA CORP /DE/ $35,402,684 2,239,259 2.96% Shares
ARROWSTREET CAPITAL, LIMITED PARTNERSHIP $29,989,325 1,896,858 2.51% Shares
CITIGROUP INC $27,939,068 1,767,177 2.34% Shares
GOLDMAN SACHS GROUP INC $27,157,122 1,717,718 2.27% Shares
Swedbank AB $25,762,395 1,629,500 2.16% Shares
MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. $25,096,256 1,587,366 2.10% Shares
DIMENSIONAL FUND ADVISORS LP $22,438,175 1,419,922 1.88% Shares
CITADEL ADVISORS LLC $21,994,999 1,391,208 1.84% Shares
MARSHALL WACE, LLP $21,139,551 1,337,100 1.77% Shares
S.A.C. Capital Advisors (Hong Kong) Ltd. $18,983,330 659,601 1.59% Shares
AMERICAN CENTURY COMPANIES INC $18,416,421 1,164,859 1.54% Shares
STATE STREET CORP $17,426,288 1,102,232 1.46% Shares
MORGAN STANLEY $17,277,398 1,092,813 1.45% Shares
Point72 Asset Management, L.P. $17,274,955 1,092,660 1.45% Shares
NORGES BANK $17,061,077 1,079,132 1.43% Shares
WELLINGTON MANAGEMENT GROUP LLP $16,354,861 1,034,463 1.37% Shares
APEIRON CAPITAL Ltd $15,433,485 976,185 1.29% Shares
Serenity Capital LLC $15,307,529 340,849 1.28% Shares
Tiger Pacific Capital LP $15,097,301 954,921 1.26% Shares
Invesco Ltd. $14,661,039 927,327 1.23% Shares
VANGUARD FIDUCIARY TRUST CO $13,458,025 851,235 1.13% Shares
GEODE CAPITAL MANAGEMENT, LLC $9,976,662 631,035 0.84% Shares
RENAISSANCE TECHNOLOGIES LLC $9,633,855 609,352 0.81% Shares
SEI INVESTMENTS CO $9,109,592 576,192 0.76% Shares
Alpine Investment Management Ltd $8,976,618 567,781 0.75% Shares
NEUBERGER BERMAN GROUP LLC $8,621,373 545,311 0.72% Shares
OVERSEA-CHINESE BANKING Corp Ltd $8,521,320 539,338 0.71% Shares
E Fund Management Co., Ltd. $8,019,038 507,213 0.67% Shares
Russell Investments Group, Ltd. $7,104,128 453,645 0.59% Shares
Pictet Asset Management Holding SA $6,498,780 411,055 0.54% Shares
MATTHEWS INTERNATIONAL CAPITAL MANAGEMENT LLC $5,882,601 372,081 0.49% Shares
MACKENZIE FINANCIAL CORP $5,568,282 352,200 0.47% Shares
AXA Investment Managers S.A. $5,493,728 190,887 0.46% Shares
CITADEL ADVISORS LLC $5,258,406 332,600 0.44% Call option
Oasis Management Co Ltd. $4,976,277 314,755 0.42% Shares
CITADEL ADVISORS LLC $4,115,343 260,300 0.34% Put option
Legal & General Group Plc $3,949,174 249,835 0.33% Shares
VOLORIDGE INVESTMENT MANAGEMENT, LLC $3,135,661 198,334 0.26% Shares
NORTHERN TRUST CORP $2,946,889 186,394 0.25% Shares
UBS Group AG $2,933,956 185,576 0.25% Shares
SUSQUEHANNA INTERNATIONAL GROUP, LLP $2,855,286 180,600 0.24% Put option
Trexquant Investment LP $2,635,321 166,687 0.22% Shares

Show all 184 institutional owners →

Activists & 5%+ owners 3 positions

18

Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.

Filer Filed Stake Status Purpose Filing
Aerovane Company Limited, Henry Zhiheng Zhou, Risa Ruoshan Zhou, Hongyi Zhou ×6 filings Dec. 5, 2025 17.90% Amendment · SEC
Ruby Finance Holdings Ltd., FountainVest China Capital Partners GP3 Ltd. ×2 filings March 20, 2024 · Initial filing · SEC
Ruby Finance Investment Ltd., Ruby Finance Holdings Ltd., FountainVest China Capital Partners GP3 Ltd. ×8 filings Jan. 4, 2022 · Initial filing · SEC

Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.

Company insiders 5 insiders · 3 officers · 4 directors

19
Insider Role Last activity Shares owned Buys 12m Sells 12m Net 12m
Wu Haisheng Chief Executive Officer May 20, 2026 A · 0 0 $0
Xu Zuoli Chief Financial Officer May 20, 2026 A · 0 0 $0
Zheng Yan Chief Risk Officer May 20, 2026 A · 0 0 $0
Andrew Y Yan Director Sept. 29, 2026 S 0 0 3 $-4,889,121
Xiaohuan Chen Director June 9, 2026 P 19,000 5 0 $3,780,240

Insiders from SEC Form 3/4/5 filings; net = open-market P/S only

ETF ownership Held by 14 ETFs

20

Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.

Fund Weight Units As of Source
SDIV · Global X Funds 1.06% 929,933 NS July 31, 2026 N-PORT
JCHI · J.P. Morgan Exchange-Traded Fund Tr… 0.94% 10,341 NS July 31, 2026 N-PORT
PGJ · Invesco Exchange-Traded Fund Trust 0.50% 64,738 SH Oct. 2, 2026 Daily
ECNS · iShares Trust 0.50% 37,830 SH Sept. 11, 2026 Daily
DVYE · iShares, Inc. 0.33% 497,987 SH Sept. 11, 2026 Daily
EEMS · iShares, Inc. 0.05% 21,117 SH Sept. 11, 2026 Daily
VWO · VANGUARD INTERNATIONAL EQUITY INDEX… 0.01% 1,375,766 SH Aug. 19, 2026 Daily
VYMI · VANGUARD WHITEHALL FUNDS 0.01% 120,146 SH Aug. 19, 2026 Daily
IEMG · iShares, Inc. 0.01% 1,031,895 SH Sept. 11, 2026 Daily
IXUS · iShares Trust 0.00% 154,482 SH Sept. 11, 2026 Daily
VXUS · VANGUARD STAR FUNDS 0.00% 1,458,284 SH Aug. 19, 2026 Daily
VEU · VANGUARD INTERNATIONAL EQUITY INDEX… 0.00% 226,689 SH Aug. 19, 2026 Daily
VT · VANGUARD INTERNATIONAL EQUITY INDEX… 0.00% 75,963 SH Aug. 19, 2026 Daily
VSGX · VANGUARD WORLD FUND 0.00% 19,836 SH Aug. 19, 2026 Daily

QFIN Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside

21
rating · 19 analysts BUY
Median target $14.03 +114.1%
5 26.3% Strong Buy
8 42.1% Buy
4 21.1% Hold
1 5.3% Sell
1 5.3% Strong Sell

12-Month Price Target

13 analysts · 2026-10-06

Mean target $14.80 +125.8%

← Below all targets Current price $6.55
Low$8.02 Mean$14.80 High$23.02

Peer comparison (GICS sub-industry) Key metrics vs sector peers

22

FY basis, prices as of each company's last fiscal year-end close.

Ticker Market Cap P/E Rev YoY Net Margin ROE Gross Margin
QFIN $4.70B 0.9 · 31.1% 24.7% ·
LU · · · -37.5% -2.6% ·
FINV · 2.7 · 18736.2% 16.0% ·

Latest News Recent headlines mentioning this company

23

Trading Signals Recent buy/sell signals with entry price and risk/reward ratio

25

No open signal right now — no card is filled, and that's honest.

My Metrics Your personal watchlist — selected rows from Full Fundamentals

26

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Source: SEC 20-F filed Apr 27, 2026