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Upturn AI SWOT - About
360 Finance Inc (QFIN)
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Upturn Advisory Summary
05/27/2025: QFIN (3-star) is a REGULAR-BUY. BUY since 11 days. Profits (-6.38%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
12 Analysts rated it
These Stocks/ETFs, based on Upturn Advisory, have historically outperformed the market, making them a top-tier choice for investors.
Year Target Price $55.07
Year Target Price $55.07
| 9 | Strong Buy |
| 3 | Buy |
| 0 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit -3.19% | Avg. Invested days 35 | Today’s Advisory Regular Buy |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 05/27/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.99B USD | Price to earnings Ratio 6.86 | 1Y Target Price 55.28 |
Price to earnings Ratio 6.86 | 1Y Target Price 55.28 | ||
Volume (30-day avg) - | Beta 0.55 | 52 Weeks Range 17.42 - 48.04 | Updated Date 06/30/2025 |
52 Weeks Range 17.42 - 48.04 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 2.92% | Basic EPS (TTM) 6.49 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 38.98% | Operating Margin (TTM) 45.5% |
Management Effectiveness
Return on Assets (TTM) 10.26% | Return on Equity (TTM) 30.42% |
Valuation
Trailing PE 6.86 | Forward PE 3.27 | Enterprise Value 7838666752 | Price to Sales(TTM) 0.34 |
Enterprise Value 7838666752 | Price to Sales(TTM) 0.34 | ||
Enterprise Value to Revenue 3.3 | Enterprise Value to EBITDA - | Shares Outstanding 134464992 | Shares Floating 209053121 |
Shares Outstanding 134464992 | Shares Floating 209053121 | ||
Percent Insiders 1.88 | Percent Institutions 84.32 |
Analyst Ratings
Rating 4.75 | Target Price 55.07 | Buy 3 | Strong Buy 9 |
Buy 3 | Strong Buy 9 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
360 Finance Inc
Company Overview
History and Background
360 Finance Inc., now known as Qifu Technology, was founded in 2016 and is a leading digital consumer finance platform in China. Initially backed by 360 Group, it facilitates loan products through its platform. The company went public on the Nasdaq in 2018.
Core Business Areas
- Credit Tech Platform Services: Facilitates loan origination by connecting borrowers with financial institutions. Includes credit assessment, risk management, and loan processing.
- Investment and Other Solutions: Offers investment products and other technology solutions to financial institutions.
Leadership and Structure
The leadership team includes key executives overseeing technology, finance, and operations. The company operates with a board of directors responsible for strategic oversight.
Top Products and Market Share
Key Offerings
- Loan Facilitation Services: Connects borrowers with various financial institutions, providing access to credit. Market share in China's online consumer finance market is competitive, facing strong competition. Competitors include Ant Group's Ant Credit Pay (Huabei) and Tencent's WeBank Weilidai.
- Technology Solutions: Provides risk management and other technology services to financial institutions. This includes solutions for credit assessment and fraud detection. Competitors include fintech arms of traditional banks and other independent technology vendors.
Market Dynamics
Industry Overview
The Chinese digital consumer finance market is characterized by rapid growth, increasing mobile internet penetration, and evolving regulatory landscape. Competition is intense among platforms, traditional banks, and fintech companies.
Positioning
360 Finance Inc. positions itself as a technology-driven platform connecting borrowers and financial institutions. Its competitive advantage lies in its AI-powered risk management capabilities and partnerships with various funding sources.
Total Addressable Market (TAM)
The total addressable market for digital consumer finance in China is substantial and growing. 360 Finance Inc. is positioned to capture a portion of this TAM through its technology platform and partnerships.
Upturn SWOT Analysis
Strengths
- Strong Technology Platform
- AI-Powered Risk Management
- Partnerships with Financial Institutions
- Large User Base
Weaknesses
- Regulatory Uncertainty in China
- Concentration of Funding Sources
- Reliance on Third-Party Data
Opportunities
- Expansion into New Markets
- Development of New Products and Services
- Increased Regulatory Clarity
- Growing Demand for Digital Consumer Finance
Threats
- Increased Competition
- Changes in Regulatory Policies
- Economic Slowdown in China
- Data Security Risks
Competitors and Market Share
Key Competitors
- JD
- PDD
Competitive Landscape
360 Finance Inc. faces strong competition from other digital consumer finance platforms and traditional financial institutions. Its competitive advantage lies in its technology capabilities and partnerships. They can better compete by investing in tech and reducing risks and costs while increasing their product offerings.
Growth Trajectory and Initiatives
Historical Growth: The company's growth has been driven by the expansion of its user base and the increasing demand for digital consumer finance in China.
Future Projections: Future growth projections depend on the regulatory environment, economic conditions, and the company's ability to innovate and expand its product offerings.
Recent Initiatives: Recent strategic initiatives include the development of new technology solutions and the expansion of partnerships with financial institutions.
Summary
Qifu Technology (formerly 360 Finance) operates in a dynamic digital consumer finance market in China, demonstrating growth through its technology platform. Regulatory uncertainties and fierce competition present challenges. Strategic partnerships and technological advancements are crucial for sustaining growth and market share, but are vulnerable to China's policies. Qifu Technology requires strategic management to overcome these hurdles.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Industry Reports
- Financial News Sources
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on your own research and due diligence.
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.qifu.tech |
Full time employees 3527 | Website https://www.qifu.tech | ||
Qifu Technology, Inc., together with its subsidiaries, operate AI-empowered 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 360 DigiTech, Inc. and changed its name to Qifu Technology, Inc. in March 2023. Qifu Technology, Inc. was founded in 2016 and is headquartered in Shanghai, the People's Republic of China.
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