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Market Performance
Stock returned +10.0% over the past year, broadly in line with market conditions.Analyst Target
Analyst consensus price target: ¥32.02.What is 360 Finance Inc?
, together with its subsidiaries, operate AI- driven credit-tech platform under the Qifu Jietiao brand in the People's Republic of China.
QFIN · Verdict
Solid reward · low risk
QFIN stands out on valuation and cash flow, but watch the growth signal.
Based on 88% data coverage
QFIN · Verdict
What’s working & what to watch
Strengths 5
- Valuation98/100
P/E 3.3×
- Cash flow86/100
54% free-cash-flow margin
- Profitability84/100
36% net margin · 29% ROE
- Balance sheet83/100
Current ratio 2.45
- Volatility80/100
Top decile vs peers
Watchouts 1
- Growth35/100
Rev +1.1% CAGR · earnings +2.7%
Model-based scoring. For information only — not financial advice.
What is 360 Finance 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. The company is listed on the NASDAQ in USA, operating in the Financial Services sector, with a market capitalisation of 2.01B, and a P/E ratio of 2.0x.
Financial Highlights
Investment Breakdown
Analysis
Reward: Moderate (58)The scoring profile indicates moderate reward potential, with valuation and profitability as the leading contributors. Risk indicators are low, suggesting a relatively contained downside profile.
For informational purposes only. Not financial advice.