Is Qfin Holdings, Inc. (QFIN) Overvalued?
We dive into why Qfin Holdings, Inc. (QFIN) could be considered overvalued on 2026-08-07, based on AAII’s Value Score and Grade.Jenna Brashear
A+ Stock Grade Summary:
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COMPANY SUMMARY
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, 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. It serves financial institutions, consumers, and small and micro-enterprises. The company was formerly known as Qifu Technology, Inc. and changed its name to Qfin Holdings, Inc. in July 2025. Qfin Holdings, Inc. was founded in 2016 and is headquartered in Shanghai, the People’s Republic of China.
Commentary & Analysis
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Why Qfin Holdings, Inc.’s (QFIN) Stock Is Up 5.13%
As of Wednesday, July 15, Qfin Holdings, Inc.’s QFIN share price has surged by 5.13%, which has investors questioning if this is right time to sell.Rosalio Madrigal
Why Qfin Holdings, Inc.’s (QFIN) Stock Is Down 5.41%
As of Friday, July 10, Qfin Holdings, Inc.’s QFIN share price has dipped by 5.41%, which has investors questioning if this is right time to buy.Michael Rose
Why Qfin Holdings, Inc.’s (QFIN) Stock Is Down 5.44%
As of Thursday, July 02, Qfin Holdings, Inc.’s QFIN share price has dipped by 5.44%, which has investors questioning if this is right time to buy.Rosalio Madrigal
Financial Summary
| Share Statistics | QFIN | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $1,409.3 | $1,204.7 | 49% |
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| Shares Out (Mil) | 17.9 | 36.6 | 28% |
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| Institutional Ownership | 77.1% | 79.1% | 46% |
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| Float (Mil) | 97.5 | 32.9 | 60% |
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| Beta | 0.57 | 1.02 | 33% |
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| Avg Daily Volume (000s) | 1,645 | 425 | 79% |
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| Price Change (52-week) |
(61.0%) | 81.2% | 11% |
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| Growth | QFIN | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 5.7% | 8.6% | 39% |
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| Net Income (5yr) | 9.8% | 14.1% | 55% |
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| EPS (5yr) | 12.5% | 15.9% | 51 |
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| Dividends (5yr) | 0.0% | 0.0% | 86% |
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| Cash Flow (5yr) | (22.5%) | (2.8%) | 29% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | na | na | na | |
| Current EPS | na | na | na | |
| Month Ago EPS | na | na | na | |
| # Rev Up | na | na | na | |
| # Rev Down | na | na | na | |
| Three Months Ago EPS | na | na | na | |
| Year/Year Chg | na | na | na | |
| Financials | QFIN | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $2,671 | $1,268 | 64% |
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| Net Income (TTM) (Mil) | $736 | $154 | 83% |
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| EPS (TTM) | $5.721 | $1.700 | 88% |
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| Operating Cash Flow (TTM) (Mil) | $1,504 | $247 | 85% |
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| Net Cash Flow (TTM) (Mil) | ($303) | $2 | 8% |
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| Long-Term Debt (Q1) (Mil) | $208 | $963 | 50% |
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| Enterprise Value (Q1) (Mil) | $1,280 | $1,294 | 44% |
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| Valuation | QFIN | Industry Median |
Percentile (All Stocks) |
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| P/B | 0.40 | 1.35 | 6% |
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| P/E | 2.1 | 10.1 | 2% |
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| Dividend Yield | 13.5% | 0.0% | 99% |
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| PEG (5yr hist) | 0.2 | 0.6 | 6% |
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| Ratios | QFIN | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | 57.1% | 75.8% | 70% |
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| Net Margin | 27.5% | 14.2% | 86% |
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| ROA | 9.5% | 2.8% | 86% |
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| ROE | 21.9% | 14.4% | 82% |
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| Liabilities to Assets | 54.9% | 78.5% | 48% |
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| F-Score | 5 | 5 | 50% |
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Passing Stock Screens
As of 8/21/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Non-Utility) Screen
Factors: Yield, Value, Quality
Credited as one of the fathers of in-depth security analysis, Graham's approach focuses on the concept of intrinsic value.
| Performance Since Inception: | 11.8% |
| +/- S&P 500: | +4.3 |
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.9% |
| +/- S&P 500: | -0.6 |
