Qfin Holdings, Inc. (QFIN)
ValueMarkers Composite Index
97% below intrinsic value ($75)
Qfin Holdings, Inc. (QFIN) — VMCI valuation read
Qfin Holdings, Inc. sits at VMCI 73/100, with the Financial Services sector median at 50. That 23-point spread is the first thing to note on QFIN: it tells the reader the composite is favorable before any single ratio is examined, and the mid-cap tier sets the comparison set.
Form 4 disclosures on QFIN are blank for the trailing 30 days. With the insider channel offline, the EV/EBITDA delta, free-cash-flow trajectory, and the next earnings print do the talking.
**Investor frame.** The Value read on QFIN: QFIN trades at 18.0x earnings, 0% above the Financial Services median of 18.0x, with EV/EBITDA at 13.0x against 12.0x. The Quality read: ROIC of 16.0% sits 6.0pp above the Financial Services median (10.0%). The Risk read: net debt to EBITDA of -1.7x leaves covenant headroom, anchoring the bear scenario on a measurable balance-sheet metric.
QFIN rose 1.1% over the trailing 7 days, with a -22.0% read on a 30-day basis.
Qifu Technology, Inc., together with its subsidiaries, operates credit-tech platform under the 360 Jietiao brand in the People's Republic of China. The company provides credit-driven services that matches borrowers with financial institutions to conduct customer acquisition, initial and credit screening, advanced risk assessment, credit assessment, fund matching, and other post-facilitation services; and platform services, including loan facilitation and post-facilitation services to financial institution partners under intelligence credit engine, referral services, and risk management software-as-a-service. It offers e-commerce loans, enterprise loans, and invoice loans to SME owners. It serves financial institutions, consumers, and small- and micro-enterprises. The company was formerly known as 360 DigiTech, Inc. and changed its name to Qifu Technology, Inc. in March 2023. Qifu Technology, Inc. was founded in 2016 and is headquartered in Shanghai, the People's Republic of China.
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