360 Finance Inc (QFIN) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of 360 Finance Inc $13.15, price $7.61, upside +72.8%, quality 76 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range $7.61 – $43.39 · fair‑value band $4.29 – $21.90 · the $7.61 price screens below the $13.15 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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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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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.
Stock analysis
360 Finance Inc (QFIN) currently trades at $7.61, while our model-based Fair Value estimate is $13.15, implying the stock looks roughly 42.1% undervalued today.
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Valuation
How firm this estimate is: it rests on 26 models at a data quality of 95/100, which puts the evidence level at high.
Scenario range: $4.29 (bear) to $21.90 (bull), the price of $7.61 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 76/100 (high 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 $1.6B · P/E ratio 1.4 · P/S ratio 0.42 · EPS (TTM) $5.62 · Dividend yield 11.6% · Net margin 31.0% · Return on equity 21.3% · Return on assets (EBIT) 13.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).
What moves the price
The share trades about 74% below its 52-week high and at its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −32% fair-value upside, at 73%, QFIN screens cheaper than that median.
Fair Value models
Bear $4.29Fair Value $13.15Bull $21.90
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.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.Evidence ⓘEvidence = 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.
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%
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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.
+35.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+24.1%
Dividend (yield on the price)11.6%
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.
News mood ⓘNews mood, the average tone of recent news (93 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Neutral
Recent news coverage is roughly neutral, about typical for how stocks are covered.
Price, fair value, quality and upside side by side.
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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 · 330 stocks
Beats the industry median on 12/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score78 · Top 25%
Fair Value upside+73% · Above median
Profitability
Return on equity (TTM)21% · Top 25%
Return on assets8% · Top 25%
Net margin (TTM)28% · Above median
Operating margin (TTM)27% · Below median
Growth and dividend
Revenue growth−17% · Bottom 25%
Dividend yield (TTM)11.6% · Top 25%
Balance sheet
Debt / equity0.07× · Lowest 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
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Is 360 Finance Inc (QFIN) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $13.15 versus a price of $7.61, about +73% upside (undervalued).
What is the fair value of QFIN?
Our model-based fair value for 360 Finance Inc is $13.15 (as of Sep 23, 2026), built from audited fundamentals. The current price: $7.61.
What is the quality score of QFIN?
360 Finance Inc has a Quality Score of 76/100. 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 $13.15 (as of Sep 23, 2026) from 11 valuation models. Cautious scenario $4.29, optimistic scenario $21.90. 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 $13.15, about +73% upside versus a price of $7.61 (undervalued). Cautious scenario $4.29, optimistic scenario $21.90. 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 18.4B CNY (latest available figure, as of Sep 23, 2026).
Does 360 Finance Inc pay a dividend?
360 Finance Inc currently shows a dividend yield of about 11.64% relative to its recent price (as of Sep 23, 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 $13.15 per share (as of Sep 23, 2026), against a price of $7.61. It is the blended result of 11 valuation models (cash flow, earnings, asset, dividend).
Is 360 Finance Inc stock overvalued or undervalued in 2026?
As of Sep 23, 2026, QFIN trades below its calculated fair value: price $7.61, fair value $13.15, a gap of about +73% (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 ($7.61); the fair value is what the company's own numbers justify ($13.15). For 360 Finance Inc the two are $5.54 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 $1.6B (market capitalisation, as of Sep 23, 2026). Per share that is $7.61; our models calculate a fair value of $13.15 per share.
What do the bullish and bearish scenarios say about QFIN?
Our models span a range for 360 Finance Inc: cautious scenario $4.29, base $13.15, optimistic $21.90 per share (as of Sep 23, 2026, price $7.61). 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 1.4 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $13.15 is built from several models across several years. Other multiples: P/B 0.4, P/S 0.6, EV/EBITDA 1.0.
How solid is the balance sheet of 360 Finance Inc (QFIN)?
Balance-sheet figures for 360 Finance Inc (as of Sep 23, 2026): return on equity 21.3%, debt of 0.07 per unit of equity. They feed the Quality Score of 76/100, which measures business quality independently of the share price.
How far is QFIN from its 52-week high?
360 Finance Inc trades at $7.61, about 74% below its 52-week high of $29.73 and at the low of $7.61 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $13.15 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 Sep 23, 2026: price $7.61, calculated fair value $13.15 (+73%), Quality Score 76/100, from 11 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 11 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $13.15, 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 14.1 % above its aggregate fair value. 360 Finance Inc currently trades 73 % 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 Sep 23, 2026 was $7.61. Our model-based fair value is $13.15, about +73% 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 rarer combination: high quality (76/100) AND below fair value. That earns a closer look rather than a quick verdict. The model range is unusually wide ($4.29 to $21.90). The outcome hinges heavily on assumptions, so read the point estimate with caution. 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 $1.6B. 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 0.42 (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 $5.62 (price ÷ EPS = P/E 1.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of 360 Finance Inc (QFIN)?
The dividend yield of 360 Finance Inc is 11.6% (payout 15.8%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
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 21.3% (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 27.5% (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 −16.7% 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 −43.3% 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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Broad data
Sep 23, 2026