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QFIN 
360 Finance Inc (QFIN)
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Upturn Advisory Summary
01/09/2026: 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 $32.89
1 Year Target Price $32.89
| 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 01/09/2026 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.51B USD | Price to earnings Ratio 2.58 | 1Y Target Price 32.89 |
Price to earnings Ratio 2.58 | 1Y Target Price 32.89 | ||
Volume (30-day avg) 12 | Beta 0.49 | 52 Weeks Range 17.20 - 46.77 | Updated Date 01/9/2026 |
52 Weeks Range 17.20 - 46.77 | Updated Date 01/9/2026 | ||
Dividends yield (FY) 8.05% | Basic EPS (TTM) 7.02 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 35.15% | Operating Margin (TTM) 47.51% |
Management Effectiveness
Return on Assets (TTM) 10.77% | Return on Equity (TTM) 29.12% |
Valuation
Trailing PE 2.58 | Forward PE 3.27 | Enterprise Value 769722880 | Price to Sales(TTM) 0.13 |
Enterprise Value 769722880 | Price to Sales(TTM) 0.13 | ||
Enterprise Value to Revenue 1.42 | Enterprise Value to EBITDA - | Shares Outstanding 130185112 | Shares Floating 213849876 |
Shares Outstanding 130185112 | Shares Floating 213849876 | ||
Percent Insiders 2.57 | Percent Institutions 76.73 |
Upturn AI SWOT
360 Finance Inc
Company Overview
History and Background
360 Finance Inc. was founded in 2012 and is a leading provider of digital lending solutions in China. The company has experienced rapid growth, evolving from a regional player to a significant national entity. Key milestones include its initial public offering (IPO) on the Nasdaq Stock Market in 2018, which provided capital for expansion and technological development. The company has continuously adapted its platform to meet the changing needs of both borrowers and lenders in the dynamic Chinese fintech landscape.
Core Business Areas
- Digital Lending Marketplace: 360 Finance operates a digital lending marketplace that connects individual borrowers with financial institutions. The platform utilizes advanced big data analytics and artificial intelligence to assess credit risk, facilitate loan applications, and manage loan servicing. This segment is the core revenue driver for the company.
- Technology Services: The company also offers its proprietary big data and AI-powered risk management technologies to third-party financial institutions. This includes credit assessment, fraud detection, and intelligent decision-making tools, expanding its reach and revenue streams beyond direct lending.
Leadership and Structure
360 Finance Inc. is led by a management team with extensive experience in finance, technology, and operations. The organizational structure is designed to support its digital platform and data-driven approach, with dedicated teams for technology development, risk management, business operations, and customer service. Specific leadership details are typically available in their investor relations materials.
Top Products and Market Share
Key Offerings
- 360 Jietiao (Lending Platform): This is the flagship product, an online lending marketplace offering various personal consumer credit products. It facilitates seamless loan applications and approvals for individuals, leveraging AI for credit scoring. The platform serves millions of users. Competitors include other major Chinese fintech lending platforms like Ant Group's lending services and Tencent's credit offerings, as well as traditional banks with online channels.
- Risk Management and Big Data Solutions: This offering provides AI-driven credit assessment, fraud detection, and loan management software to partner financial institutions. While specific market share data for this B2B segment is less public, it represents a growing area of focus for diversifying revenue. Competitors include specialized fintech solution providers and in-house development by large financial groups.
Market Dynamics
Industry Overview
360 Finance operates within China's rapidly evolving fintech and digital lending industry. This sector is characterized by high growth potential, significant regulatory oversight, and intense competition. The industry is driven by increasing digital adoption among consumers and businesses seeking convenient and accessible financial services.
Positioning
360 Finance is positioned as a significant player in China's online consumer lending market, distinguished by its advanced big data analytics and AI capabilities for credit risk assessment. Its competitive advantages lie in its sophisticated risk control system, efficient operational model, and extensive user base. The company aims to bridge the gap between underserved borrowers and financial institutions.
Total Addressable Market (TAM)
The total addressable market for digital lending and financial technology services in China is immense, with projections in the trillions of U.S. dollars for consumer credit. 360 Finance, as a digital platform, is well-positioned to capture a portion of this vast market, focusing on the segment of consumers who may not be adequately served by traditional banking channels.
Upturn SWOT Analysis
Strengths
- Proprietary big data and AI technology for robust risk assessment
- Large and growing user base
- Efficient and scalable digital platform
- Experienced management team
- Diversified revenue streams (lending and technology services)
Weaknesses
- Reliance on the Chinese regulatory environment, which can be dynamic and subject to change
- Potential for increased competition from larger, well-established players
- Exposure to credit risk associated with borrowers
Opportunities
- Expansion into new product categories and services within the fintech ecosystem
- Further penetration into lower-tier cities and underserved demographics in China
- Partnerships with more traditional financial institutions to leverage its technology
- International expansion or strategic alliances
Threats
- Stricter government regulations on online lending and data privacy
- Economic downturns affecting borrower repayment ability
- Intensifying competition from both fintech startups and traditional banks
- Cybersecurity risks and data breaches
Competitors and Market Share
Key Competitors
- Jianpu Technology Inc. (JT)
- Duogongdian Technology Group Inc. (DD)
Competitive Landscape
360 Finance's advantages lie in its advanced AI and big data capabilities, which enable more precise credit risk assessment and fraud detection compared to some competitors. Its focus on user experience and efficient digital processes also contributes to its competitive edge. However, it faces challenges from competitors with broader financial ecosystems or established banking relationships.
Growth Trajectory and Initiatives
Historical Growth: 360 Finance has exhibited significant historical growth in terms of loan origination volume, revenue, and user acquisition since its inception. Its rapid scaling is a testament to the demand for its digital lending solutions in China.
Future Projections: Future projections are typically based on analyst consensus, considering market trends, regulatory outlook, and the company's strategic initiatives. Growth is expected to continue, driven by the expansion of its platform and services, though at a pace potentially influenced by the competitive and regulatory landscape.
Recent Initiatives: Recent initiatives may include enhancing its AI capabilities, exploring new fintech partnerships, optimizing its risk management systems, and potentially expanding its service offerings to address evolving customer needs and regulatory requirements.
Summary
360 Finance Inc. is a prominent player in China's digital lending space, leveraging advanced AI and big data for efficient credit risk management. Its core strength lies in its robust technology platform and a large, expanding user base, positioning it well within the massive Chinese fintech market. However, the company must navigate a dynamic and evolving regulatory environment and intense competition. Continued investment in technology and strategic partnerships will be crucial for sustained growth and mitigating potential threats.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings with the U.S. Securities and Exchange Commission (SEC)
- Reputable financial news outlets
- Industry analysis reports
- Market data providers
Disclaimers:
This JSON output is generated based on publicly available information and is intended for informational purposes only. It does not constitute financial advice. Investors should conduct their own due diligence and consult with a qualified financial advisor before making any investment decisions. Market share data is an approximation and may vary based on reporting methodology and time period.
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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