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Equity
QFIN
+0.0 · +0.00%
USD · NASDAQ

360 Finance Inc(QFIN) Stock Analysis | Financial Services

USD --+0.00%
Reward67High
Risk33Moderate
75%Data
Strong 22% profit margin · 13.5% dividend yield · Revenue down 32% YoY
Dividend King
Market Cap:1.07Bn
ⓘ
Reward Rating
67
High
Reward Assessment
75% data coverage
Top 25% of stocksView factors
ⓘ
Risk Rating
33
Moderate
Risk Assessment
2 metrics flaggedView details

Educational tool only – Scores are based on historical data and financial metrics for informational purposes. This is not financial advice or a recommendation to buy or sell any security. Always conduct your own research or consult a qualified financial adviser.

Educational tool only · More
Limited data coverage
We don't have enough public data on QFIN to score it reliably yet — Reward, Risk, Forecasts and Dividends tabs aren't available for this stock. The price chart and basic profile are still shown.
OTC / ADR stock — scores and fundamentals use data tagged in USD by our provider. The issuer may report in a different home currency (e.g. JPY), so treat figures as directional rather than precise.
New listing — limited trading history
Fundamental and analyst data are available for QFIN, but momentum and volatility metrics will develop as more trading history accumulates (0 trading sessions so far).
Not available yet for this stock
The overview tab requires data we don't have for this stock yet. The price chart is the most reliable view we have — try the Chart tab.
Earnings Ex-dividend

Market Performance

Stock returned +10.0% over the past year, broadly in line with market conditions.

Analyst Target

Analyst consensus price target: $16.76.

What is 360 Finance Inc?

, together with its subsidiaries, operate AI- driven credit-tech platform under the Qifu Jietiao brand in the People's Republic of China.

QFIN · Verdict

Solid reward · moderate risk

QFIN scores well on valuation and cash flow with no major weaknesses flagged in the model.

Based on 88% data coverage

QFIN · Verdict

What’s working & what to watch

Strengths 5

  • Valuation100/100

    P/E 3.3× · PEG 0.09

  • Cash flow86/100

    58% free-cash-flow margin

  • Profitability79/100

    31% net margin · 15% ROE

  • Balance sheet67/100

    Current ratio 0.47

  • Volatility65/100

    Above average

No major weaknesses flagged.

Model-based scoring. For information only — not financial advice.

What is 360 Finance 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. The company is listed on the NASDAQ in USA, operating in the Financial Services sector, with a market capitalisation of 1.07B, and a P/E ratio of 2.0x.

Financial Highlights

Investment Breakdown

Growth
Moderate growth momentum — positive trajectory without breakout acceleration.
Profitability
Strong margins and consistent earnings support financial stability.
Risk
Below-average volatility supports a steadier risk profile.
Valuation
Currently trading below intrinsic value estimates, suggesting upside potential.

OpenBook Logo Analysis

Reward: High (67)

The scoring profile indicates moderate reward potential, with valuation and profitability as the leading contributors. Risk indicators are moderate, consistent with typical market exposure.

For informational purposes only. Not financial advice.

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Company Information
SectorFinancial Services
IndustryCredit Services
Market Cap1.07B
P/E Ratio2.0183
Dividend Yield13.52%
Beta0.623
Insider Activity
12M windowQuiet
Fewer than three real open-market insider trades in the last 12 months. Mechanical activity (option exercises, RSU vests) is excluded from the signal.
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