QFIN
Financial ServicesQfin Holdings, Inc. · Financial - Credit Services · $2B
What is Qfin Holdings, Inc.?
Qfin Holdings, operating as Qifu Technology, runs a credit-tech platform in China under the 360 Jietiao brand. The company connects borrowers with financial institutions, offering a range of credit facilitation and risk management services.
Qifu Technology earns revenue by facilitating loans between consumers, small businesses, and licensed financial institutions. Its platform handles customer acquisition, credit screening, risk assessment, and post-facilitation services. The company also offers platform services including an intelligence credit engine, referral services, and risk management software-as-a-service. SME owners can access e-commerce loans, enterprise loans, and invoice loans through the platform.
Founded in 2016 and headquartered in Shanghai, China, the company rebranded from 360 DigiTech to Qifu Technology in March 2023.
- Credit facilitation services connecting borrowers to financial institutions
- Risk management software-as-a-service for institutional partners
- SME lending products including e-commerce and invoice loans
- Referral and post-facilitation services under the 360 Jietiao brand
- Intelligence credit engine for automated credit assessment
Is QFIN a Good Stock to Buy?
UQS Score rates QFIN as Good overall, reflecting a mixed but noteworthy profile across its five quality pillars.
The Quality pillar stands out as a clear strength, suggesting the business generates returns that hold up well relative to sector peers. The Risk pillar also scores Good, indicating the company's financial structure and risk exposure are better managed than many comparable small-cap financials. Valuation is rated Attractive, meaning the market may not be fully pricing in the company's fundamentals.
Both the Moat and Growth pillars rate as Weak, pointing to limited competitive differentiation and subdued near-term expansion signals — factors worth weighing carefully.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does QFIN pay dividends?
Yes — Qfin Holdings, Inc. pays a dividend.
QFIN pays a regular dividend, which is relatively uncommon among fintech platforms of its size. This suggests management is comfortable returning capital to shareholders alongside running the credit-tech business. Income-oriented investors may find this appealing, though dividend sustainability should always be evaluated in the context of the company's broader financial health.
When does QFIN report earnings?
Qfin Holdings reports earnings on a quarterly cadence, typical for US-listed equities trading as ADRs.
The company's Good Risk and Strong Quality pillar ratings suggest the business has maintained operational discipline in recent periods. Growth signals, however, remain muted, which may be reflected in how the market has responded to recent results.
For the most recent quarter's results and guidance, visit Qifu Technology's official investor relations page.
QFIN Price History
-39.9% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Qfin Holdings, Inc.?
Based on Qfin Holdings, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
QFIN Long-term Outlook
The fundamental outlook for QFIN is shaped by its contrasting pillar profile. Strong Quality and Good Risk suggest the core credit-tech business is operating efficiently, but Weak Growth signals limited near-term revenue expansion. The Attractive Valuation rating implies the stock may offer a margin of safety relative to fundamentals, though the Weak Moat rating raises questions about long-term pricing power in China's competitive fintech lending market.
Growth drivers
- Expanding SME lending products to underserved small businesses in China
- Growth in risk management SaaS offerings to institutional partners
- Deepening relationships with licensed financial institution partners
Key risks
- Regulatory tightening in China's consumer and SME lending sector
- Weak competitive moat in a crowded credit-tech landscape
- Macroeconomic headwinds affecting borrower credit quality in China
QFIN vs Peers
QFIN operates in the broader specialty finance and credit facilitation space, where it can be compared to several US-listed peers.
AGM focuses on agricultural and rural infrastructure lending in the US, operating under a government-sponsored model rather than a technology-driven platform approach.
EZCORP serves consumers through pawn lending and financial services, targeting a different borrower segment with a physical retail footprint rather than a digital platform.
LendingClub operates a US-based digital lending marketplace and holds a banking charter, giving it a different regulatory and funding structure compared to QFIN's China-focused facilitation model.
Frequently Asked Questions
What does Qfin Holdings do?
Qfin Holdings, operating as Qifu Technology, runs a credit-tech platform in China under the 360 Jietiao brand. It connects consumers and small businesses with licensed financial institutions, handling credit screening, risk assessment, and loan facilitation. The company also provides risk management software to its institutional partners.
Does QFIN pay dividends?
Yes, QFIN pays a regular dividend — an uncommon feature among fintech platforms of its size. Investors should review the company's investor relations page for the most current dividend details, including payment schedules and any updates to the dividend policy.
When does QFIN report earnings?
Qfin Holdings reports earnings on a quarterly cadence, consistent with US-listed ADR requirements. For exact reporting dates and upcoming earnings schedules, check the investor relations section of Qifu Technology's official website.
Is QFIN a good stock to buy?
UQS Score rates QFIN as Good overall. The Quality and Risk pillars are notable strengths, and Valuation is rated Attractive. However, Weak Moat and Growth ratings introduce meaningful uncertainty. Whether it fits your portfolio depends on your risk tolerance and investment horizon — the full pillar breakdown is available to Pro members.
Is QFIN overvalued?
The UQS Valuation pillar for QFIN is rated Attractive, suggesting the stock may be trading at a discount relative to its fundamental profile. That said, valuation alone does not determine investment suitability — the Weak Moat and Growth ratings are important context for any valuation assessment.
How does QFIN compare to its competitors?
QFIN operates a China-based digital credit facilitation platform, which distinguishes it from US-focused peers like LendingClub and EZCORP. Its technology-driven model and institutional partnership approach differ meaningfully from agricultural lender AGM. See the competitor section above for a side-by-side UQS comparison.
What is QFIN's market cap bracket?
QFIN is classified as a small-cap stock. This places it in a segment of the market that can offer higher growth potential but also tends to carry greater volatility and liquidity risk compared to large-cap or mega-cap peers in the financial services sector.
Who founded Qfin Holdings?
Qifu Technology was founded in 2016 and is headquartered in Shanghai, China. The company was formerly known as 360 DigiTech before rebranding in March 2023. For detailed founding history and executive leadership, the company's official investor relations page is the most reliable source.
Is QFIN a long-term quality investment?
As a long-term quality indicator, QFIN's Strong Quality and Good Risk pillars are encouraging signs of operational discipline. However, the Weak Moat rating raises questions about sustainable competitive advantage over time — a key factor for long-term investors. The full analysis, including trend data, is available to UQS Pro members.
What is the main competitive advantage of Qfin Holdings?
Qifu Technology's platform combines credit screening, risk assessment, and post-facilitation services in a single ecosystem, creating value for both borrowers and financial institution partners. However, the UQS Moat pillar rates as Weak, suggesting this advantage may not yet be deeply entrenched relative to sector peers.
What sector does QFIN belong to?
QFIN is classified under the Financial Services sector, specifically operating as a credit-tech platform. It sits at the intersection of fintech and consumer lending, serving consumers, SME owners, and licensed financial institutions in China. You can explore more [Financial Services stocks](/sector/financial-services) on UQS Score.
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Pro Analysis
QFIN — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| Apr 2, 2026 | 65.0 | 99.5 | 39.0 | 22.4 | 72.7 | 100.0 | — |
QFIN — Pillar Breakdown
Quality
— 99.5/100 (25%)Qfin Holdings, Inc. demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 22.4/100 (20%)Qfin Holdings, Inc. faces growth headwinds with declining or stagnant revenue trends.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 72.7/100 (15%)Qfin Holdings, Inc. maintains a reasonable risk profile with manageable debt levels.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 100.0/100 (15%)Qfin Holdings, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
Enterprise value multiple relative to sector median.
Moat
— 39/100 (25%)Qfin Holdings, Inc. possesses some competitive advantages but faces meaningful competition. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for QFIN.
Score Composition
Financial Data
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How is the QFIN UQS Score Calculated?
The UQS (Unified Quality Score) for Qfin Holdings, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Qfin Holdings, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Qfin Holdings, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.