Qfin Holdings stock
QFINNASDAQQfin Holdings, Inc., Financial ServicesISIN US88557W1018
68Score 68 out of 100, Neutral
Price and trend
40 / 100
Price history
−78% in one yearThe chart shows daily closes over 8 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Below the 200-day line: the price is 57% below it.
Since August 2025 the 50-day line has been below the 200-day line; the trend has turned down.
Normal: the price is neither overheated nor sold off (RSI 47).
The price is 78% below its 52-week high. Largest decline in 8 years: 89% (March 2025 to November 2026).
Chart figures for advanced users
- SMA 50$6.56
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$11.96
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)47
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$5.15
- The lowest closing price of the last twelve months.
- Resistance$23.29
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Qfin Holdings, Inc. belongs to the Financial (Credit Services) industry (China) and, with a market value of $670.45M, is number 48 of 61 companies in its industry on MEQIRI.
- American depositary receipt (ADR): 1 ADR = 2 shares.
- In fiscal 2025 it reported revenue of $2.41B (down 6.3% year on year) and earnings of $897.91M (down 4.4%).
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- MEQIRI Score 68 out of 100 (Neutral): rank 506 of 976 in Financial Services, median 68.
- The P/E is 1.4 (Financial (Credit Services) median 11.8, own median of recent years 3.9).
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- High marginNet margin 37.2% in fiscal 2025, Financial (Credit Services) median 14.2%.Profitability 97
- High return on capitalReturn on invested capital 31.3% in fiscal 2025, Financial (Credit Services) median 8.1%.Profitability 97
- Earnings turn into cashFree cash flow 181% of earnings over the last 12 months.Fundamentals 90
Weaknesses
- Share price fell sharplyDown 78% over the last 12 months.Momentum 17
- Dividend at riskDividend yield 23.4%. At yields this high (15% or more), the dividend was cut by at least a fifth within a year in 69 of 100 cases from 2011 to 2025, against 7 of 100 at 2 to 4%.
- Volatile share priceVolatility 55% a year over the last 12 months.Stability 62
Its standout strengths are profitability and fundamentals, while technical analysis and momentum hold the score back.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
Fundamentals are strong, with stable profits and strong cash generation.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansValuation
Valuation signal
not measuredClosing price of 11 Nov 2026, used by the daily score.
A fair value is not meaningful here, so the signal follows the valuation grade.
Valuation metrics
The model puts the fair value at more than four times the share price. That says more about the assumptions than about the company, so a fair value is not meaningful here and the valuation relies on the P/E and the other metrics.
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Jun 2026, revenue fell 6.7% on the twelve months before. Revenue has grown strongly since 2016, at around 152% per year.
Margins
- Gross margin
- Operating margin
- Net margin
In fiscal 2025: gross 74%, operating 46%, net 37%.
Debt & balance sheet
Fiscal 2025The balance sheet is solid, with low debt and comfortable interest coverage.
Earnings
- Next earnings
- 17 Nov 2026in 5 days
- Last reported
- 25 Aug 2026below expectations
Analyst estimates
Earnings estimates have barely changed since 15 Oct 2026.
- Earnings per share
- 18.59+0.3%
- Revenue
- $1.97B+0.3%
- Earnings per share
- 17.71+0.3%
- Revenue
- $1.57B+0.3%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook lowered
Share price after the results: −14.9%Third quarter non-GAAP net income is expected at RMB 400 million to RMB 500 million, down 67% to 73% year on year; planning is more cautious because of macro and regulatory headwinds.
“In Q2, we incurred a one-off tax-related expense of approximately RMB 500 million, which was caused by a change in tax treatment of certain entity based on the updated interpretation of related tax regulation by the tax authorities.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 25 Aug 2026 (fiscal Q2 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
One insider bought on the open market in the last 6 months, $57,640 in total. One insider sold, $4.89M in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
- Yan Andrew YSale
29 Sept 2026, Board
- Shares
- 850
- Price
- $3.54
- Value
- $3,008
- Yan Andrew YSale
25 Sept 2026, Board
- Shares
- 653,400
- Price
- $3.68
- Value
- $2.4M
- Yan Andrew YSale
24 Sept 2026, Board
- Shares
- 660,000
- Price
- $3.76
- Value
- $2.48M
Show 1 more
- Chen XiaohuanPurchase
9 Jun 2026, Board
- Shares
- 8,000
- Price
- $7.21
- Value
- $57,640
Shares and prices per ordinary share as filed with the SEC, not per depositary receipt (1 ADR = 2 shares). Filings per depositary receipt are converted to ordinary shares.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Qfin Holdings
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 68
- Sector median
- 68
Categories against the sector medianMedian of 976 companies
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Financial (Credit Services)
The next larger and next smaller companies by market value
- Atlanticus HoldingsATLC $1.23B78
- Jefferson CapitalJCAP $1.15B78
- B2 ImpactB2I.OL $971.94M72
- FinVolution GroupFINV $709.9M57
- HypoportHYQ.DE $676.92M61
- Green DotGDOT $671.86M42
- World AcceptanceWRLD $649.2M56
- Oportun FinancialOPRT $601.61M54
ETFs that hold Qfin Holdings
Held by 21 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| Global X Superdividend UCITS ETF USDUDIV | 0.46% | 0.45% | €842.65M |
| iShares EM Dividend UCITS ETFEUNY | 0.23% | 0.65% | €1.25B |
| iShares MSCI EM Small Cap UCITS ETFEUNI | 0.03% | 0.74% | €274.03M |
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| State Street SPDR MSCI Emerging Markets Small Cap UCITS ETFSPYX | 0.03% | 0.55% | €516.44M |
| Franklin FTSE China UCITS ETFFLXC | 0.02% | 0.19% | €1.3B |
| Avantis Emerging Markets Equity UCITS ETF USD AccAVEM | 0.02% | 0.35% | €277.45M |
| Vanguard FTSE Emerging Markets UCITS ETF (USD) AccumulatingVFEA | 0.01% | 0.17% | €5.24B |
| iShares Core MSCI EM IMI UCITS ETFIS3N | 0.01% | 0.18% | €37.17B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Currency
- Amounts in US dollars, converted at the ECB reference rate of 11 Nov 2026 ($1 = CN¥6.6707)
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral, published since 7 Nov 2026 (in the score history since 10 Jul 2026)
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.