QFIN
Qfin Holdings, Inc.
Next earnings Aug 12, 2026 · consensus $6.00 EPS
$15.46
▼ -1.28%$15.46▼ -61.19%
over 1Y
L $11.65H $40.79
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today-1.3%
1W+3.0%
1M-6.6%
3M+26.1%
YTD-14.0%
1Y-61.2%
Buy
Conviction
Horizon
Medium (3–12mo)
Street · 19 analysts
Buy
Revenue grew 16.8% YoY.
Revenue (FY2025) $2.75B · FY2025
The read
Quality fundamentals and an attractive price line up (~393% below fair value) — the rarer case where both the business and the entry look good.
Qfin Holdings, Inc. shows $2.75B in FY2025 revenue (+16.8% YoY), a 31.1% net margin, and 24.8% ROE.
Supporting the case: revenue grew 16.8% YoY; strong net margin (31.1%); high return on equity (24.8%); undemanding valuation (P/E 4.9).
Is QFIN a buy? The one-page verdict, explained →
The options angle
model · matches our verdictBull call spread (wide)~60d expiry
- Long call 15.5 @ ~2.13 est
- Short call 18 @ ~1.25 est
debit $88max +$162max −$88BE 16.38
High-conviction BUY: a wider spread keeps more of the upside while the short call still cuts cost and decay.
Educational template, not a trade recommendation. Strikes and premiums are Black-Scholes model estimates from the last close and 30-day realized volatility — real chains, spreads and IV will differ. Options involve substantial risk.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | $2.61B | $2.40B | $2.29B | $2.35B | $2.75B |
| Gross profit | — | — | — | — | — |
| Operating income | $1.06B | $648M | $684M | $1.03B | $955M |
| Net income | $905M | $581M | $601M | $856M | $855M |
| Diluted EPS | $2.82 | $1.81 | $1.84 | $2.83 | $3.15 |
| Net margin | 34.7% | 24.2% | 26.2% | 36.4% | 31.1% |
10-year statements — income, cash flow, balance sheet & CSV export →
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value$1.21B
EV / EBITDA1.3
EV / Sales0.4
EV / FCF0.8
P / FCF1.2
PEG (trailing)—
Earnings yield45.4%
FCF yield82.4%
Quality & risk
ROIC (est.)21.9%
Free cash flow$1.55B
Total debt—
Net cash$672M
Altman Z-Score2.18 grey
Piotroski F-Score4/7
Capital returns
Buyback yield36.8%
Dividend yield (est.)—
Shareholder yield36.8%
Shares Δ YoY-14.1%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Recent filings
all on EDGAR ↗6-KPeriod ending 2026-06-302026-06-30open ↗4Period ending 2026-06-092026-06-10open ↗6-KPeriod ending 2026-06-032026-06-03open ↗6-KPeriod ending 2026-05-262026-05-27open ↗4Period ending 2026-05-202026-05-22open ↗4Period ending 2026-05-202026-05-22open ↗4Period ending 2026-05-202026-05-22open ↗SCHEDULE 13GFiling2026-05-13open ↗6-KPeriod ending 2026-05-132026-05-13open ↗6-KPeriod ending 2026-05-122026-05-12open ↗6-KPeriod ending 2026-04-272026-04-28open ↗6-KPeriod ending 2026-04-272026-04-28open ↗
Frequently asked
- Is Qfin Holdings, Inc. (QFIN) a buy?
- QFIN currently carries a Buy rating with 5/5 conviction, derived from its latest SEC filings. Revenue grew 16.8% YoY.
- What is QFIN's fair value?
- A Modified-Graham model based on QFIN's SEC fundamentals estimates a fair value of about $76.24. It is an estimate from reported earnings, not a price target.
- Is QFIN overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, QFIN currently appears undervalued relative to its SEC-grounded earnings power.
- What is Qfin Holdings, Inc.'s quality score?
- QFIN scores 72.79780964468641/100 (grade B) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0001741530, latest 6-K filed 2026-06-30) · EODHD · as of 7/5/2026, 7:19:36 AM.
About this recommendation — produced by TENK/calls (tenkcalls.com), Luxembourg · not investment advice
Rule-based analysis, generated automatically from SEC filing data.
Investment recommendation produced by TENK/calls (tenkcalls.com), Luxembourg. Completed Jul 5, 2026, 3:19 AM ET. Ratings & methodology: definitions · All recommendations to date: track record · Conflicts: disclosures. Not investment advice.
Research and education only — not financial advice. TENKis not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities TENK rates; see Disclosures. Past performance does not guarantee future results. Do your own research.