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360 Finance Inc (QFIN) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of 360 Finance Inc stock $9.49, price $5.58, upside +70.0%, quality 68 out of 100. Rating: strongly undervalued. Calculated from audited financials with 13 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US · Based in China

3F 360 Finance Inc logo Some data Nov 8, 2026

360 Finance Inc

QFIN · US
Undervalued, but in a downtrend

The stock costs 41% less than our calculation considers fair.

Fair value $9.49 · Strongly undervalued
Quality 68/100
Healthy Growth (revenue 5y +6.6 %/yr in CNY)
Highly profitable · 22.3% net margin (TTM)
Low debt
Generates free cash flow
22.7% dividend yield · Well covered
Ranks above peers (10/13)
Wide moat 75/100
Costs just 1.3 times its yearly profit.
Insiders bought $57,640 (6M) · sold $4.9M
Some data
⚠ Dilution
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$43.39 $5.17 Fair Value $9.49 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.

How to read this chart

60‑month range $5.17 – $43.39 · fair‑value band $3.59 – $17.43 · the $5.58 price screens below the $9.49 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.

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Company profile

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.

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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.

Stock analysis

360 Finance Inc (QFIN) currently trades at $5.58, while our model-based Fair Value estimate is $9.49, implying the stock looks roughly 41% undervalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $66.47 per share, and 13 of the 13 models we run sit above the $5.58 price.

Bear case: the Asset-Based group reads lowest at $19.09, and 0 of the 13 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $3.59 (bear) to $17.43 (bull), the price of $5.58 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 68/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

360 Finance Inc reported revenue of 18.7B CNY in FY2025 versus 16.6B CNY in FY2021, a compound +2.9%/yr. Reported net income was 5.8B CNY in FY2025, compounding +0.1%/yr from FY2021.

Key figures

Market cap $796M Small · P/E ratio 1.3 · P/S ratio 0.41 · EPS (TTM) $4.18 · Net margin 31.0% · Return on equity 15.3% · Return on assets (EBIT) 13.7% (5-year average) · Operating margin 32.5%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 75 out of 100 (medium confidence).

What moves the price

The share trades about 75% below its 52-week high and 8% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −3% fair-value upside, at 70%, QFIN screens cheaper than that median.

Fair Value models

Bear $3.59 Fair Value $9.49 Bull $17.43
Price $5.58 · Upside +70.0%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($2.49 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Growth DCF $180.16 $335.35 $605.16 75
Owner Earnings $83.89 $171.73 $339.33 72
Rev-Margin DCF $84.16 $127.67 $185.81 72
All 13 models by family
DCF Models
Owner Earnings $83.89 $171.73 $339.33 72
5Y P/E Exit $107.47 $184.67 $278.36 70
10Y P/E Exit $132.67 $217.73 $350.16 62
Earnings-Based
Graham-Dodd $48.66 $323.71 $453.35 63
Lynch FV $94.58 $135.12 $175.65 61
Dividend Discount
Gordon GGM $14.31 $27.45 $40.01 67
DDM Multi-Stage $14.31 $24.23 $29.11 67
Multiples
P/E Multiple $69.78 $93.04 $116.29 63
P/B Multiple $29.92 $39.90 $49.87 55
Asset-Based
NCAV (Graham) $14.25 $19.09 $28.50 54
Growth DCF
Growth DCF $180.16 $335.35 $605.16 75
Rev-Margin DCF $84.16 $127.67 $185.81 72
Economic Profit
Residual Income $42.91 $61.35 $121.25 71

The fair value above starts from this blend and is adjusted for dilution from new shares.

Open the full fair value analysis →

Quality Score breakdown

Overall quality 68/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 63
How much profit the company makes from its sales and capital
Quality Growth 41
Are margins and returns getting better?
Cashflow 99
Do the profits arrive as real cash?
Financial strength 70
Debt, balance sheet and risk of trouble
Investment 65
Does it invest with discipline instead of growing at any price?
Low Volatility 53
How calm the share price moves, does not count
Price momentum 0
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 1
Distance to the 52-week high, does not count
New shares 50
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, one officer or director bought shares worth $57,640, on Jun 9, 2026. Over the same period, one person sold shares worth $4.9M.

  • SaleAndrew Y YanDirector2× since Sep 24, 2026: 657,550 shares, avg. $7.44$4.9MSep 29, 2026
  • BuyXiaohuan ChenDirector2× since Mar 27, 2026: 194,000 shares, avg. $12.92$2.5MJun 9, 2026

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 83/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+8.8%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.1%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.6%
Start year 2020 (pandemic)
Revenue growth 9 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+155.8%
What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+24.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+24.1%
Dividend (yield on the price)0.0%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.28% → 34%
2025 sits 227% above its own trend. The rate follows the median trend of the last 5 years, not that single year.

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 283 stocks

Beats the industry median on 10/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 68 · Top 25%
Fair Value upside +70.0% · Above median
Profitability
Return on equity (12 months) 15.3% · Above median
Return on assets 10.2% · Top 25%
Net margin (12 months) 22.3% · Below median
Operating margin (12 months) 32.5% · Below median
Growth and dividend
Revenue growth (quarter YoY) −31.6% · Bottom 25%
Dividend yield (12 months) 22.7% · Top 25%
Balance sheet
Debt / equity 0.07× · Lowest 25%

Valuation Multiplesvs Credit Services median · lower = cheaper

P/E (12 months) 1.3× · Cheapest 25%
P/B 0.22× · Cheapest 25%
P/S (12 months) 0.32× · Cheapest 25%
Price / free cash flow (fiscal year) 0.5× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 59
FUTURE (revenue growth)0 · sector 57
PAST (return on equity)61 · sector 39
HEALTH (low debt)97 · sector 54
DIVIDEND (yield)100 · sector 64

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Credit Services stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Synchrony Financial, SYF $73.74 $141.92 +92% vs QFIN
PayPal Holdings PYPL $59.24 $107.45 +81% vs QFIN
Shriram Finance Limited SHRIRAMFIN ₹961.15 ₹1,309 +36% vs QFIN
Affirm Holdings AFRM $68.11 $76.63 +13% vs QFIN
Bajaj Finance Limited BAJFINANCE ₹1,088 ₹1,055 −3% vs QFIN
American Express Company AXP $320.99 $210.02 −35% vs QFIN
Visa Inc V $422.65 $242.87 −43% vs QFIN
Mastercard Incorporated MA $652.70 $360.13 −45% vs QFIN
Capital One Financial Corporation COF $201.87 $106.81 −47% vs QFIN
SoFi Technologies, Inc SOFI $16.21 $5.51 −66% vs QFIN

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360 Finance Inc: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "360 Finance Inc Fair Value". https://www.fairvalue-calculator.com/stock/QFIN

Frequently asked questions

Is 360 Finance Inc (QFIN) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $9.49 versus a price of $5.58, about +70% upside (undervalued).
What is the fair value of QFIN?
Our model-based fair value for 360 Finance Inc is $9.49 (as of Nov 8, 2026), built from audited fundamentals. The current price: $5.58.
What is the quality score of QFIN?
360 Finance Inc has a Quality Score of 68/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for 360 Finance Inc (QFIN)?
Our model-based price target is the fair value of $9.49 (as of Nov 8, 2026) from 13 valuation models. Cautious scenario $3.59, optimistic scenario $17.43. It is a calculation from audited fundamentals, not an analyst target.
What is the 360 Finance Inc stock forecast for 2026?
Our models put fair value at $9.49, about +70% upside versus a price of $5.58 (undervalued). Cautious scenario $3.59, optimistic scenario $17.43. The calculation is refreshed regularly with new filings.
What is the revenue of 360 Finance Inc (QFIN)?
360 Finance Inc reported trailing-twelve-month revenue of about 16.8B CNY (latest available figure, as of Nov 8, 2026).
What is the intrinsic value of 360 Finance Inc (QFIN)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For 360 Finance Inc it is $9.49 per share (as of Nov 8, 2026), against a price of $5.58. It is the blended result of 13 valuation models in 7 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit).
Is 360 Finance Inc stock overvalued or undervalued in 2026?
As of Nov 8, 2026, QFIN trades below its calculated fair value: price $5.58, fair value $9.49, a gap of about +70% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of QFIN?
No. The price is what the market pays today ($5.58); the fair value is what the company's own numbers justify ($9.49). For 360 Finance Inc the two are $3.91 per share apart. That gap is exactly why we show both numbers side by side.
How much is 360 Finance Inc worth?
The market values 360 Finance Inc at about $796M (market capitalisation, as of Nov 8, 2026). Per share that is $5.58; our models calculate a fair value of $9.49 per share.
What do the bullish and bearish scenarios say about QFIN?
Our models span a range for 360 Finance Inc: cautious scenario $3.59, base $9.49, optimistic $17.43 per share (as of Nov 8, 2026, price $5.58). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of QFIN?
360 Finance Inc trades at a price-to-earnings ratio of 1.3 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $9.49 is built from several models across several years. Median P/E at fiscal year-end, 8 fiscal years (2018 to 2025), reported earnings: 4.2. Other multiples: P/B 0.2, P/S 0.3.
How solid is the balance sheet of 360 Finance Inc (QFIN)?
Balance-sheet figures for 360 Finance Inc (as of Nov 8, 2026): return on equity 15.3%, debt of 0.07 per unit of equity. They feed the Quality Score of 68/100, which measures business quality independently of the share price.
How far is QFIN from its 52-week high?
360 Finance Inc trades at $5.58, about 75% below its 52-week high of $22.20 and 8% above the low of $5.17 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $9.49 is for.
Which stocks are comparable to 360 Finance Inc?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is 360 Finance Inc stock attractive at the current price?
The data as of Nov 8, 2026: price $5.58, calculated fair value $9.49 (+70%), Quality Score 68/100, from 13 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of QFIN calculated?
We run 360 Finance Inc through 13 models from 7 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit. Every model gets the same audited fundamentals; the fair value of $9.49 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. 360 Finance Inc currently trades 41% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of 360 Finance Inc (QFIN)?
The closing price on Nov 6, 2026 was $5.58. Our model-based fair value is $9.49, about +70% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with 360 Finance Inc right now?
The model range is unusually wide ($3.59 to $17.43). The outcome hinges heavily on assumptions, so read the point estimate with caution. Solid quality (68/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of 360 Finance Inc

How large is the market capitalisation of 360 Finance Inc (QFIN)?
The market capitalisation of 360 Finance Inc is $796M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of 360 Finance Inc (QFIN)?
The price-to-sales ratio of 360 Finance Inc is 0.41 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of 360 Finance Inc (QFIN)?
Earnings per share at 360 Finance Inc are $4.18 (price ÷ EPS = P/E 1.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of 360 Finance Inc (QFIN)?
The net margin of 360 Finance Inc is 31.0% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of 360 Finance Inc (QFIN)?
The return on equity (ROE) of 360 Finance Inc is 15.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of 360 Finance Inc (QFIN)?
On an EBIT basis the return on assets of 360 Finance Inc is 13.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of 360 Finance Inc (QFIN)?
The operating margin of 360 Finance Inc is 32.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at 360 Finance Inc (QFIN)?
Revenue at 360 Finance Inc is growing −31.6% versus a year earlier (3y avg +4.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at 360 Finance Inc (QFIN)?
Earnings per share at 360 Finance Inc are growing −74.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does 360 Finance Inc (QFIN) generate?
The free cash flow of 360 Finance Inc is 10.8B CNY (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does 360 Finance Inc (QFIN) hold?
360 Finance Inc holds more cash than debt, 873M CNY net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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