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Upturn AI SWOT - About
QFIN 
360 Finance Inc (QFIN)
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Upturn Advisory Summary
10/13/2025: QFIN (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
12 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $49.12
1 Year Target Price $49.12
| 9 | Strong Buy |
| 3 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -13.54% | Avg. Invested days 34 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/13/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.74B USD | Price to earnings Ratio 3.83 | 1Y Target Price 49.12 |
Price to earnings Ratio 3.83 | 1Y Target Price 49.12 | ||
Volume (30-day avg) 12 | Beta 0.48 | 52 Weeks Range 26.77 - 46.77 | Updated Date 10/13/2025 |
52 Weeks Range 26.77 - 46.77 | Updated Date 10/13/2025 | ||
Dividends yield (FY) 5.41% | Basic EPS (TTM) 7.05 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 38.67% | Operating Margin (TTM) 48.58% |
Management Effectiveness
Return on Assets (TTM) 10.8% | Return on Equity (TTM) 30.97% |
Valuation
Trailing PE 3.83 | Forward PE 3.27 | Enterprise Value 3855543552 | Price to Sales(TTM) 0.2 |
Enterprise Value 3855543552 | Price to Sales(TTM) 0.2 | ||
Enterprise Value to Revenue 2.22 | Enterprise Value to EBITDA - | Shares Outstanding 132428864 | Shares Floating 219993477 |
Shares Outstanding 132428864 | Shares Floating 219993477 | ||
Percent Insiders 1.88 | Percent Institutions 80.92 |
Upturn AI SWOT
360 Finance Inc
Company Overview
History and Background
360 Finance Inc. (QFIN), now known as Qifu Technology, was founded in 2016 in China. Initially focused on online consumer finance, it has evolved into a technology platform connecting consumers and financial institutions. It initially focused on partnering with 360 Group but has expanded its partnerships.
Core Business Areas
- Credit Tech Platform: Connects consumers seeking credit with financial institutions, providing loan facilitation and other technology services. Operates primarily in China.
- Marketing and Risk Management Services: Provides marketing support and risk assessment services to financial partners.
- Technology Solutions: Offers a range of technology solutions to financial institutions including AI, risk management, and cloud-based services.
Leadership and Structure
The leadership team includes key executives focused on technology, finance, and risk management. The company has a typical corporate structure with a board of directors overseeing operations.
Top Products and Market Share
Key Offerings
- Loan Facilitation: Connects borrowers with lenders through its platform. Although Qifu Technology facilitates loans, it does not underwrite or guarantee them. Competitors include other online lending platforms such as LexinFintech (LXFT) and Lufax Holding (LU).
- Risk Management Solutions: Provides AI-driven risk assessment and fraud detection tools for financial institutions. Competitors in this space include established risk management firms and other fintech companies.
Market Dynamics
Industry Overview
The fintech industry, particularly in China, is characterized by rapid growth and increasing regulatory scrutiny. Online lending platforms are navigating evolving regulations and competitive pressures.
Positioning
Qifu Technology is positioned as a technology enabler for financial institutions, leveraging its AI and data capabilities. Its competitive advantage lies in its ability to connect borrowers and lenders efficiently and provide sophisticated risk management tools.
Total Addressable Market (TAM)
The TAM for fintech services in China is substantial, estimated to be in the hundreds of billions of dollars. Qifu Technology is positioned to capture a portion of this market through its technology solutions and partnerships.
Upturn SWOT Analysis
Strengths
- Strong technology platform
- AI-driven risk management capabilities
- Established partnerships with financial institutions
- Large user base in China
Weaknesses
- Dependence on regulatory environment in China
- Competition from other fintech companies
- Sensitivity to credit risk and economic downturns
- Changing name can impact brand recognition
Opportunities
- Expanding into new financial products and services
- Growing partnerships with more financial institutions
- Leveraging technology for international expansion
- Increasing adoption of fintech solutions in China
Threats
- Increasing regulatory scrutiny in China
- Intensifying competition in the fintech market
- Economic downturns impacting loan demand
- Cybersecurity risks and data breaches
Competitors and Market Share
Key Competitors
- LXFT
- YRD
- JD
Competitive Landscape
Qifu Technology's advantages include its technology platform and partnerships. Disadvantages include regulatory risks and competition from larger players.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by increasing adoption of online lending and technology solutions in China. The company's growth rate has been impacted by regulatory changes.
Future Projections: Future growth is expected to be driven by continued demand for fintech services and the company's ability to innovate and expand its product offerings. Analyst estimates vary depending on market conditions and regulatory outlook.
Recent Initiatives: Recent initiatives include investments in AI and technology, expanding partnerships, and launching new products and services.
Summary
Qifu Technology, formerly 360 Finance, operates in the dynamic Chinese fintech sector and facilitates loans between consumers and lenders while also providing other AI driven financial solutions. The company's strengths lie in its technology and partnerships; however, it faces risks from regulatory changes and strong competition. Overall, the company has a volatile financial history but still shows potential for future growth with innovation and market expansion. Key areas to watch include regulatory updates and the company's response to market competition.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Market Research Reports
- Analyst Reports
- Yahoo Finance
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market data and financial information are subject to change. Consult with a financial advisor before making investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About 360 Finance Inc
Exchange NASDAQ | Headquaters - | ||
IPO Launch date 2018-12-14 | CEO & Director Mr. Haisheng Wu | ||
Sector Financial Services | Industry Credit Services | Full time employees 3527 | Website https://www.qfin.com |
Full time employees 3527 | Website https://www.qfin.com | ||
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 facilitation and post-facilitation services to financial institution partners under an 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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