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QIFU TECHNOLOGY INC (QFIN) Stock Fundamental Analysis

NASDAQ:QFIN - Nasdaq - US88557W1018 - ADR - Currency: USD

35.33  -1.21 (-3.31%)

After market: 35.9 +0.57 (+1.61%)

Fundamental Rating

8

QFIN gets a fundamental rating of 8 out of 10. The analysis compared the fundamentals against 53 industry peers in the Consumer Finance industry. QFIN has outstanding health and profitabily ratings, belonging to the best of the industry. This is a solid base for any company. A decent growth rate in combination with a cheap valuation! Better keep an eye on QFIN. These ratings could make QFIN a good candidate for value and quality investing.


Dividend Valuation Growth Profitability Health

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9

1. Profitability

1.1 Basic Checks

QFIN had positive earnings in the past year.
In the past year QFIN had a positive cash flow from operations.
Each year in the past 5 years QFIN has been profitable.
QFIN had a positive operating cash flow in each of the past 5 years.
QFIN Yearly Net Income VS EBIT VS OCF VS FCFQFIN Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B 8B

1.2 Ratios

The Return On Assets of QFIN (13.01%) is better than 92.45% of its industry peers.
With an excellent Return On Equity value of 25.90%, QFIN belongs to the best of the industry, outperforming 83.02% of the companies in the same industry.
QFIN has a better Return On Invested Capital (18.81%) than 92.45% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for QFIN is significantly above the industry average of 8.61%.
The last Return On Invested Capital (18.81%) for QFIN is above the 3 year average (16.14%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 13.01%
ROE 25.9%
ROIC 18.81%
ROA(3y)10.78%
ROA(5y)12.79%
ROE(3y)22.26%
ROE(5y)28.34%
ROIC(3y)16.14%
ROIC(5y)20.6%
QFIN Yearly ROA, ROE, ROICQFIN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50 100

1.3 Margins

Looking at the Profit Margin, with a value of 36.49%, QFIN belongs to the top of the industry, outperforming 98.11% of the companies in the same industry.
In the last couple of years the Profit Margin of QFIN has grown nicely.
QFIN's Operating Margin of 43.86% is amongst the best of the industry. QFIN outperforms 98.11% of its industry peers.
QFIN's Operating Margin has improved in the last couple of years.
With an excellent Gross Margin value of 83.10%, QFIN belongs to the best of the industry, outperforming 81.13% of the companies in the same industry.
In the last couple of years the Gross Margin of QFIN has remained more or less at the same level.
Industry RankSector Rank
OM 43.86%
PM (TTM) 36.49%
GM 83.1%
OM growth 3Y2.45%
OM growth 5Y6.92%
PM growth 3Y1.64%
PM growth 5Y6.1%
GM growth 3Y-1.31%
GM growth 5Y-1.19%
QFIN Yearly Profit, Operating, Gross MarginsQFIN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 -40 60 80

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9

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), QFIN is creating value.
QFIN has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, QFIN has less shares outstanding
Compared to 1 year ago, QFIN has a worse debt to assets ratio.
QFIN Yearly Shares OutstandingQFIN Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M
QFIN Yearly Total Debt VS Total AssetsQFIN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B

2.2 Solvency

An Altman-Z score of 3.02 indicates that QFIN is not in any danger for bankruptcy at the moment.
QFIN has a Altman-Z score of 3.02. This is amongst the best in the industry. QFIN outperforms 84.91% of its industry peers.
The Debt to FCF ratio of QFIN is 0.15, which is an excellent value as it means it would take QFIN, only 0.15 years of fcf income to pay off all of its debts.
With an excellent Debt to FCF ratio value of 0.15, QFIN belongs to the best of the industry, outperforming 94.34% of the companies in the same industry.
A Debt/Equity ratio of 0.06 indicates that QFIN is not too dependend on debt financing.
With an excellent Debt to Equity ratio value of 0.06, QFIN belongs to the best of the industry, outperforming 86.79% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 0.15
Altman-Z 3.02
ROIC/WACC2.56
WACC7.36%
QFIN Yearly LT Debt VS Equity VS FCFQFIN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B 20B

2.3 Liquidity

A Current Ratio of 2.45 indicates that QFIN has no problem at all paying its short term obligations.
QFIN has a Current ratio of 2.45. This is in the better half of the industry: QFIN outperforms 71.70% of its industry peers.
A Quick Ratio of 2.45 indicates that QFIN has no problem at all paying its short term obligations.
QFIN has a Quick ratio of 2.45. This is in the better half of the industry: QFIN outperforms 73.58% of its industry peers.
Industry RankSector Rank
Current Ratio 2.45
Quick Ratio 2.45
QFIN Yearly Current Assets VS Current LiabilitesQFIN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B

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6

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 57.05% over the past year.
Measured over the past years, QFIN shows a quite strong growth in Earnings Per Share. The EPS has been growing by 19.96% on average per year.
QFIN shows a small growth in Revenue. In the last year, the Revenue has grown by 5.38%.
QFIN shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 13.24% yearly.
EPS 1Y (TTM)57.05%
EPS 3Y4.38%
EPS 5Y19.96%
EPS Q2Q%91.05%
Revenue 1Y (TTM)5.38%
Revenue growth 3Y1.05%
Revenue growth 5Y13.24%
Sales Q2Q%-0.29%

3.2 Future

QFIN is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 15.70% yearly.
Based on estimates for the next years, QFIN will show a quite strong growth in Revenue. The Revenue will grow by 8.48% on average per year.
EPS Next Y21.84%
EPS Next 2Y17.76%
EPS Next 3Y15.7%
EPS Next 5YN/A
Revenue Next Year7.3%
Revenue Next 2Y7.43%
Revenue Next 3Y7.5%
Revenue Next 5Y8.48%

3.3 Evolution

The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
QFIN Yearly Revenue VS EstimatesQFIN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5B 10B 15B 20B
QFIN Yearly EPS VS EstimatesQFIN Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 20 40 60

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9

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 6.03, the valuation of QFIN can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of QFIN indicates a somewhat cheap valuation: QFIN is cheaper than 79.25% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 28.29, QFIN is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 4.95, the valuation of QFIN can be described as very cheap.
Based on the Price/Forward Earnings ratio, QFIN is valued cheaper than 88.68% of the companies in the same industry.
QFIN's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.08.
Industry RankSector Rank
PE 6.03
Fwd PE 4.95
QFIN Price Earnings VS Forward Price EarningsQFIN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

QFIN's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. QFIN is cheaper than 86.79% of the companies in the same industry.
64.15% of the companies in the same industry are more expensive than QFIN, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 3.94
EV/EBITDA 3.28
QFIN Per share dataQFIN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

QFIN's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
QFIN has an outstanding profitability rating, which may justify a higher PE ratio.
QFIN's earnings are expected to grow with 15.70% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.28
PEG (5Y)0.3
EPS Next 2Y17.76%
EPS Next 3Y15.7%

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4

5. Dividend

5.1 Amount

QFIN has a Yearly Dividend Yield of 3.48%. Purely for dividend investing, there may be better candidates out there.
QFIN's Dividend Yield is a higher than the industry average which is at 4.85.
QFIN's Dividend Yield is a higher than the S&P500 average which is at 2.57.
Industry RankSector Rank
Dividend Yield 3.48%

5.2 History

QFIN has been paying a dividend for over 5 years, so it has already some track record.
The dividend of QFIN decreased recently.
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
QFIN Yearly Dividends per shareQFIN Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

QFIN pays out 20.16% of its income as dividend. This is a sustainable payout ratio.
DP20.16%
EPS Next 2Y17.76%
EPS Next 3Y15.7%
QFIN Yearly Income VS Free CF VS DividendQFIN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B 8B
QFIN Dividend Payout.QFIN Dividend Payout, showing the Payout Ratio.QFIN Dividend Payout.PayoutRetained Earnings

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QIFU TECHNOLOGY INC

NASDAQ:QFIN (4/17/2025, 8:00:00 PM)

After market: 35.9 +0.57 (+1.61%)

35.33

-1.21 (-3.31%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)03-16 2025-03-16/amc
Earnings (Next)05-19 2025-05-19/bmo
Inst Owners70.1%
Inst Owner Change0%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap4.96B
Analysts86.67
Price Target51.14 (44.75%)
Short Float %4.7%
Short Ratio2.9
Dividend
Industry RankSector Rank
Dividend Yield 3.48%
Yearly Dividend1.19
Dividend Growth(5Y)N/A
DP20.16%
Div Incr Years1
Div Non Decr Years1
Ex-Date04-23 2025-04-23 (0.7)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)15.21%
Min EPS beat(2)9.46%
Max EPS beat(2)20.96%
EPS beat(4)4
Avg EPS beat(4)14.86%
Min EPS beat(4)3.79%
Max EPS beat(4)25.25%
EPS beat(8)5
Avg EPS beat(8)8.02%
EPS beat(12)6
Avg EPS beat(12)3.64%
EPS beat(16)10
Avg EPS beat(16)11.3%
Revenue beat(2)2
Avg Revenue beat(2)3.24%
Min Revenue beat(2)3.02%
Max Revenue beat(2)3.47%
Revenue beat(4)2
Avg Revenue beat(4)0.26%
Min Revenue beat(4)-3.35%
Max Revenue beat(4)3.47%
Revenue beat(8)5
Avg Revenue beat(8)1.83%
Revenue beat(12)6
Avg Revenue beat(12)0.1%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)19.41%
PT rev (3m)20.27%
EPS NQ rev (1m)4.59%
EPS NQ rev (3m)4.59%
EPS NY rev (1m)8.64%
EPS NY rev (3m)8.64%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)3.21%
Revenue NY rev (3m)3.21%
Valuation
Industry RankSector Rank
PE 6.03
Fwd PE 4.95
P/S 2.11
P/FCF 3.94
P/OCF 3.87
P/B 1.5
P/tB 1.56
EV/EBITDA 3.28
EPS(TTM)5.86
EY16.59%
EPS(NY)7.14
Fwd EY20.2%
FCF(TTM)8.96
FCFY25.35%
OCF(TTM)9.12
OCFY25.83%
SpS16.76
BVpS23.62
TBVpS22.64
PEG (NY)0.28
PEG (5Y)0.3
Profitability
Industry RankSector Rank
ROA 13.01%
ROE 25.9%
ROCE 24.55%
ROIC 18.81%
ROICexc 24.91%
ROICexgc 26%
OM 43.86%
PM (TTM) 36.49%
GM 83.1%
FCFM 53.43%
ROA(3y)10.78%
ROA(5y)12.79%
ROE(3y)22.26%
ROE(5y)28.34%
ROIC(3y)16.14%
ROIC(5y)20.6%
ROICexc(3y)21.28%
ROICexc(5y)29.69%
ROICexgc(3y)21.66%
ROICexgc(5y)30.56%
ROCE(3y)20.75%
ROCE(5y)26.35%
ROICexcg growth 3Y-15.46%
ROICexcg growth 5Y-0.3%
ROICexc growth 3Y-14.46%
ROICexc growth 5Y-1.13%
OM growth 3Y2.45%
OM growth 5Y6.92%
PM growth 3Y1.64%
PM growth 5Y6.1%
GM growth 3Y-1.31%
GM growth 5Y-1.19%
F-Score8
Asset Turnover0.36
Health
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 0.15
Debt/EBITDA 0.18
Cap/Depr 228.22%
Cap/Sales 1%
Interest Coverage 405.09
Cash Conversion 122.88%
Profit Quality 146.42%
Current Ratio 2.45
Quick Ratio 2.45
Altman-Z 3.02
F-Score8
WACC7.36%
ROIC/WACC2.56
Cap/Depr(3y)135.39%
Cap/Depr(5y)97.38%
Cap/Sales(3y)0.6%
Cap/Sales(5y)0.41%
Profit Quality(3y)152.19%
Profit Quality(5y)141.63%
High Growth Momentum
Growth
EPS 1Y (TTM)57.05%
EPS 3Y4.38%
EPS 5Y19.96%
EPS Q2Q%91.05%
EPS Next Y21.84%
EPS Next 2Y17.76%
EPS Next 3Y15.7%
EPS Next 5YN/A
Revenue 1Y (TTM)5.38%
Revenue growth 3Y1.05%
Revenue growth 5Y13.24%
Sales Q2Q%-0.29%
Revenue Next Year7.3%
Revenue Next 2Y7.43%
Revenue Next 3Y7.5%
Revenue Next 5Y8.48%
EBIT growth 1Y55.01%
EBIT growth 3Y3.52%
EBIT growth 5Y21.07%
EBIT Next Year2.37%
EBIT Next 3Y8.21%
EBIT Next 5Y8.32%
FCF growth 1Y30.79%
FCF growth 3Y16.75%
FCF growth 5Y25.49%
OCF growth 1Y31.26%
OCF growth 3Y17.3%
OCF growth 5Y25.74%