QIFU TECHNOLOGY INC (QFIN)
US88557W1018 - ADR
Overall QFIN gets a fundamental rating of 7 out of 10. We evaluated QFIN against 52 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. QFIN has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare combination! This makes QFIN very considerable for value and growth and quality investing!
1. Profitability
1.1 Basic Checks
QFIN had positive earnings in the past year.
QFIN had a positive operating cash flow in the past year.
QFIN had positive earnings in each of the past 5 years.
QFIN had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of QFIN (11.62%) is better than 92.31% of its industry peers.
QFIN has a better Return On Equity (23.90%) than 86.54% of its industry peers.
With an excellent Return On Invested Capital value of 18.00%, QFIN belongs to the best of the industry, outperforming 96.15% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for QFIN is significantly above the industry average of 7.32%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 11.62% | ||
| ROE | 23.9% | ||
| ROIC | 18% |
ROA(3y)12.19%
ROA(5y)12.64%
ROE(3y)26.3%
ROE(5y)30.1%
ROIC(3y)19.66%
ROIC(5y)21.79%
1.3 Margins
QFIN has a Profit Margin of 31.78%. This is amongst the best in the industry. QFIN outperforms 92.31% of its industry peers.
QFIN's Profit Margin has been stable in the last couple of years.
QFIN's Operating Margin of 40.27% is amongst the best of the industry. QFIN outperforms 98.08% of its industry peers.
QFIN's Operating Margin has declined in the last couple of years.
QFIN's Gross Margin of 83.13% is amongst the best of the industry. QFIN outperforms 80.77% of its industry peers.
In the last couple of years the Gross Margin of QFIN has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 40.27% | ||
| PM (TTM) | 31.78% | ||
| GM | 83.13% |
OM growth 3Y2.19%
OM growth 5Y-4.22%
PM growth 3Y0.67%
PM growth 5YN/A
GM growth 3Y-1.74%
GM growth 5Y0.02%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so QFIN is creating value.
QFIN has less shares outstanding than it did 1 year ago.
QFIN has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, QFIN has a worse debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of QFIN is 0.12, which is an excellent value as it means it would take QFIN, only 0.12 years of fcf income to pay off all of its debts.
QFIN's Debt to FCF ratio of 0.12 is amongst the best of the industry. QFIN outperforms 94.23% of its industry peers.
A Debt/Equity ratio of 0.05 indicates that QFIN is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.05, QFIN belongs to the top of the industry, outperforming 88.46% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.05 | ||
| Debt/FCF | 0.12 | ||
| Altman-Z | N/A |
ROIC/WACC2.41
WACC7.48%
2.3 Liquidity
A Current Ratio of 2.56 indicates that QFIN has no problem at all paying its short term obligations.
QFIN has a better Current ratio (2.56) than 75.00% of its industry peers.
A Quick Ratio of 2.56 indicates that QFIN has no problem at all paying its short term obligations.
With a decent Quick ratio value of 2.56, QFIN is doing good in the industry, outperforming 76.92% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.56 | ||
| Quick Ratio | 2.56 |
3. Growth
3.1 Past
QFIN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 40.63%, which is quite impressive.
QFIN shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.42% yearly.
Looking at the last year, QFIN shows a quite strong growth in Revenue. The Revenue has grown by 9.41% in the last year.
Measured over the past years, QFIN shows a very strong growth in Revenue. The Revenue has been growing by 29.65% on average per year.
EPS 1Y (TTM)40.63%
EPS 3Y3.42%
EPS 5YN/A
EPS Q2Q%71.53%
Revenue 1Y (TTM)9.41%
Revenue growth 3Y6.29%
Revenue growth 5Y29.65%
Sales Q2Q%2.08%
3.2 Future
The Earnings Per Share is expected to grow by 27.08% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 8.18% on average over the next years. This is quite good.
EPS Next Y55.03%
EPS Next 2Y32.72%
EPS Next 3Y27.08%
EPS Next 5YN/A
Revenue Next Year5.39%
Revenue Next 2Y4.71%
Revenue Next 3Y5.79%
Revenue Next 5Y8.18%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last 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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 7.70, the valuation of QFIN can be described as very cheap.
Based on the Price/Earnings ratio, QFIN is valued a bit cheaper than the industry average as 76.92% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of QFIN to the average of the S&P500 Index (27.73), we can say QFIN is valued rather cheaply.
The Price/Forward Earnings ratio is 5.82, which indicates a rather cheap valuation of QFIN.
82.69% of the companies in the same industry are more expensive than QFIN, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of QFIN to the average of the S&P500 Index (22.83), we can say QFIN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.7 | ||
| Fwd PE | 5.82 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, QFIN is valued cheaply inside the industry as 84.62% of the companies are valued more expensively.
QFIN's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.01 | ||
| EV/EBITDA | 4.64 |
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.
The excellent profitability rating of QFIN may justify a higher PE ratio.
QFIN's earnings are expected to grow with 27.08% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.14
PEG (5Y)N/A
EPS Next 2Y32.72%
EPS Next 3Y27.08%
5. Dividend
5.1 Amount
QFIN has a Yearly Dividend Yield of 3.09%. 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 4.29.
QFIN's Dividend Yield is a higher than the S&P500 average which is at 2.24.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.09% |
5.2 History
QFIN has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
DPN/A
EPS Next 2Y32.72%
EPS Next 3Y27.08%
QIFU TECHNOLOGY INC
NASDAQ:QFIN (12/20/2024, 8:00:01 PM)
After market: 38.25 0 (0%)38.25
+0.34 (+0.9%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners66.63%
Inst Owner Change-1.02%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap5.94B
Analysts87.37
Price Target41.19 (7.69%)
Short Float %1.91%
Short Ratio2
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.09% |
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years1
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)23.1%
Min EPS beat(2)20.96%
Max EPS beat(2)25.25%
EPS beat(4)3
Avg EPS beat(4)12.39%
Min EPS beat(4)-0.43%
Max EPS beat(4)25.25%
EPS beat(8)4
Avg EPS beat(8)4.58%
EPS beat(12)6
Avg EPS beat(12)4.58%
EPS beat(16)10
Avg EPS beat(16)11.93%
Revenue beat(2)1
Avg Revenue beat(2)0.45%
Min Revenue beat(2)-2.12%
Max Revenue beat(2)3.02%
Revenue beat(4)2
Avg Revenue beat(4)0.26%
Min Revenue beat(4)-3.35%
Max Revenue beat(4)3.49%
Revenue beat(8)4
Avg Revenue beat(8)0.55%
Revenue beat(12)5
Avg Revenue beat(12)-5.07%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)29.6%
PT rev (3m)41.98%
EPS NQ rev (1m)70.67%
EPS NQ rev (3m)70.67%
EPS NY rev (1m)12.01%
EPS NY rev (3m)12.55%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)1.99%
Revenue NY rev (3m)2%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.7 | ||
| Fwd PE | 5.82 | ||
| P/S | 2.52 | ||
| P/FCF | 5.01 | ||
| P/OCF | 5.01 | ||
| P/B | 1.9 | ||
| P/tB | 1.9 | ||
| EV/EBITDA | 4.64 |
EPS(TTM)4.97
EY12.99%
EPS(NY)6.57
Fwd EY17.18%
FCF(TTM)7.63
FCFY19.95%
OCF(TTM)7.63
OCFY19.95%
SpS15.16
BVpS20.16
TBVpS20.11
PEG (NY)0.14
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 11.62% | ||
| ROE | 23.9% | ||
| ROCE | 22.51% | ||
| ROIC | 18% | ||
| ROICexc | 23.47% | ||
| ROICexgc | 23.53% | ||
| OM | 40.27% | ||
| PM (TTM) | 31.78% | ||
| GM | 83.13% | ||
| FCFM | 50.31% |
ROA(3y)12.19%
ROA(5y)12.64%
ROE(3y)26.3%
ROE(5y)30.1%
ROIC(3y)19.66%
ROIC(5y)21.79%
ROICexc(3y)27.11%
ROICexc(5y)30.97%
ROICexgc(3y)28.24%
ROICexgc(5y)31.65%
ROCE(3y)24.25%
ROCE(5y)26.85%
ROICexcg growth 3Y-27.19%
ROICexcg growth 5Y-16.94%
ROICexc growth 3Y-27.24%
ROICexc growth 5Y-16.97%
OM growth 3Y2.19%
OM growth 5Y-4.22%
PM growth 3Y0.67%
PM growth 5YN/A
GM growth 3Y-1.74%
GM growth 5Y0.02%
F-Score7
Asset Turnover0.37
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.05 | ||
| Debt/FCF | 0.12 | ||
| Debt/EBITDA | 0.15 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 123.63% | ||
| Profit Quality | 158.32% | ||
| Current Ratio | 2.56 | ||
| Quick Ratio | 2.56 | ||
| Altman-Z | N/A |
F-Score7
WACC7.48%
ROIC/WACC2.41
Cap/Depr(3y)72.1%
Cap/Depr(5y)119.1%
Cap/Sales(3y)0.32%
Cap/Sales(5y)0.27%
Profit Quality(3y)136.62%
Profit Quality(5y)135.9%
High Growth Momentum
Growth
EPS 1Y (TTM)40.63%
EPS 3Y3.42%
EPS 5YN/A
EPS Q2Q%71.53%
EPS Next Y55.03%
EPS Next 2Y32.72%
EPS Next 3Y27.08%
EPS Next 5YN/A
Revenue 1Y (TTM)9.41%
Revenue growth 3Y6.29%
Revenue growth 5Y29.65%
Sales Q2Q%2.08%
Revenue Next Year5.39%
Revenue Next 2Y4.71%
Revenue Next 3Y5.79%
Revenue Next 5Y8.18%
EBIT growth 1Y53.01%
EBIT growth 3Y8.62%
EBIT growth 5Y24.18%
EBIT Next Year24.3%
EBIT Next 3Y10.66%
EBIT Next 5Y11.67%
FCF growth 1Y69.69%
FCF growth 3Y9.71%
FCF growth 5Y90.92%
OCF growth 1Y69.69%
OCF growth 3Y10.15%
OCF growth 5Y90.32%