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Qfin Holdings (QFIN) Fair Value & Analysis

Financial Services · US · Market cap $1.9B

Price$15.18
Fair Value$13.31
Upside-12.3%
Quality95/100
Evidence: High Range $9.99 – $50.19

Fair value as of: Jun 25, 2026

Analysis

Qfin Holdings (QFIN) currently trades at $15.18, while our model-based Fair Value estimate is $13.31 — implying the stock looks roughly 12.3% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

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.

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Frequently asked questions

Is Qfin Holdings (QFIN) undervalued?
As of Jun 25, 2026, our model estimates a fair value of $13.31 versus a price of $15.18 — about −12% (overvalued). Model-based estimate, not financial advice.
What is the fair value of QFIN?
Our 21-model fair value for Qfin Holdings is $13.31 (as of Jun 25, 2026), built from audited fundamentals. The current price is $15.18.
What is the quality score of QFIN?
Qfin Holdings has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.