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360 Finance Inc (QFIN)



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Upturn Advisory Summary
08/14/2025: QFIN (1-star) is currently NOT-A-BUY. Pass it for now.
1 Year Target Price $55.91
1 Year Target Price $55.91
9 | Strong Buy |
3 | Buy |
0 | Hold |
0 | Sell |
0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -13.5% | Avg. Invested days 34 | Today’s Advisory PASS |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.52B USD | Price to earnings Ratio 5.14 | 1Y Target Price 55.91 |
Price to earnings Ratio 5.14 | 1Y Target Price 55.91 | ||
Volume (30-day avg) 12 | Beta 0.45 | 52 Weeks Range 22.93 - 48.04 | Updated Date 08/15/2025 |
52 Weeks Range 22.93 - 48.04 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 3.73% | Basic EPS (TTM) 6.48 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-08-14 | When - | Estimate 12.74 | Actual 12.76 |
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 5.14 | Forward PE 3.27 | Enterprise Value 5238109184 | Price to Sales(TTM) 0.26 |
Enterprise Value 5238109184 | Price to Sales(TTM) 0.26 | ||
Enterprise Value to Revenue 2.71 | Enterprise Value to EBITDA - | Shares Outstanding 134464992 | Shares Floating 209053121 |
Shares Outstanding 134464992 | Shares Floating 209053121 | ||
Percent Insiders 1.88 | Percent Institutions 82.57 |
Upturn AI SWOT
360 Finance Inc
Company Overview
History and Background
360 Finance Inc., now known as Qifu Technology, was founded in 2016. It initially operated as the financial technology platform for 360 Group. Over time, it has evolved into an independent technology platform, connecting borrowers with financial institutions in China.
Core Business Areas
- Credit Facilitation: Connects consumers and small and medium-sized enterprises (SMEs) with financial institutions for borrowing. This involves credit risk assessment, loan matching, and post-loan monitoring.
- Technology Solutions: Provides technology-driven solutions to financial institutions, including risk management, customer acquisition, and operational efficiency enhancements.
- Investment Management: Offers investment management solutions and products to consumers and financial institutions in China.
Leadership and Structure
The leadership team consists of executives with experience in technology, finance, and risk management. The organizational structure involves distinct business units focused on technology platform, credit facilitation and technology solutions. Qifu Technology CEO is Wu Haisheng.
Top Products and Market Share
Key Offerings
- Credit Tech Solutions Platform: Connects borrowers with financial institutions. Includes borrower acquisition, credit risk assessment, and post-loan monitoring services. The total loan volume facilitated in 2023 was CNY 450.9 billion. Competitors include Lufax and LexinFintech.
- Digital Solutions for Financial Institutions: Provides a suite of technology solutions, including AI-powered risk management tools, customer management systems, and other tech-driven solutions. It helps banks enhance their operational efficiency and customer service. Competitors include Ping An OneConnect.
Market Dynamics
Industry Overview
China's fintech industry is experiencing rapid growth, driven by increasing internet penetration, demand for innovative financial services, and government support for fintech innovation. The sector faces regulatory scrutiny.
Positioning
Qifu Technology is positioned as a technology solutions provider, offering credit facilitation and tech-driven solutions. It aims to connect consumers and SMEs with financial institutions.
Total Addressable Market (TAM)
The total addressable market for technology solutions in China's financial sector is estimated to be in the hundreds of billions of USD. Qifu Technology is positioned to capture a share of this market by providing innovative credit facilitation and digital solutions to financial institutions.
Upturn SWOT Analysis
Strengths
- Strong technology platform
- Extensive data analytics capabilities
- Established relationships with financial institutions
- Experienced management team
- Strong user base
Weaknesses
- Reliance on regulatory environment in China
- Competition in the fintech sector
- Geographic concentration (China)
- Exposure to credit risk
Opportunities
- Expansion into new markets (e.g., Southeast Asia)
- Development of new technology solutions
- Strategic partnerships with other fintech companies
- Growing demand for online financial services
- Increase focus on SMEs
Threats
- Changes in regulations and government policy
- Increased competition from established financial institutions and other fintech companies
- Economic downturns
- Cybersecurity threats
- Changes in consumer preferences
Competitors and Market Share
Key Competitors
- LX (LX)
- YRD (YRD)
- PPDF (PPDF)
Competitive Landscape
Qifu Technology faces competition from other fintech companies and established financial institutions. Its competitive advantages include its technology platform, data analytics capabilities, and relationships with financial institutions.
Growth Trajectory and Initiatives
Historical Growth: Qifu Technology has demonstrated strong revenue and net income growth in recent years, driven by the expansion of its technology platform and credit facilitation business.
Future Projections: Analysts project continued revenue and earnings growth for Qifu Technology, driven by increased demand for its technology solutions and expansion into new markets. However, future growth is subject to regulatory uncertainties.
Recent Initiatives: The company has been investing in AI and data analytics to improve its risk management capabilities and enhance its technology platform. Focus on SME growth.
Summary
Qifu Technology (QFIN) shows solid financial performance and growth, underpinned by its technological solutions and strategic partnerships, making it a reasonably stable player in its sector. The regulatory uncertainty within China needs to be monitored. Investing in AI for risk management is a positive sign for long-term sustainability, demonstrating its commitment to adapt to the ever-changing tech landscape.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Analyst Reports
- Industry Publications
Disclaimers:
The information provided is for informational purposes only and does not constitute investment advice. Investment decisions should be based on individual research and consultation with a financial advisor. Market share data is based on estimates and may not be precise.
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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