QFIN:NSD-360 Finance Inc (USD)

COMMON STOCK | Credit Services |

Last Closing

USD 41.03

Change

+0.49 (+1.21)%

Market Cap

USD 5.32B

Volume

1.12M

Analyst Target

USD 20.29
Analyst Rating

Verdict

ducovest Verdict

Verdict

About

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.

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

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Relative Returns (From:    To: 2025-04-30 )

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ETFs Containing QFIN

AADR AdvisorShares Dorsey Wrig.. 3.61 % 0.00 %

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AVEE American Century ETF Trus.. 1.01 % 0.00 %

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Market Performance

  Market Performance vs. Industry/Classification (Credit Services) Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 6.90% 77% C+ 82% B
Dividend Return 1.82% 100% F 82% B
Total Return 8.73% 77% C+ 84% B
Trailing 12 Months  
Capital Gain 120.95% 93% A 95% A
Dividend Return 7.00% 82% B 91% A-
Total Return 127.95% 93% A 96% N/A
Trailing 5 Years  
Capital Gain 355.89% 95% A 95% A
Dividend Return N/A N/A N/A N/A N/A
Total Return 355.89% 95% A 95% A
Average Annual (5 Year Horizon)  
Capital Gain 37.99% 73% C 86% B+
Dividend Return 40.93% 77% C+ 87% B+
Total Return 2.94% 42% F 66% D+
Risk Return Profile  
Volatility (Standard Deviation) 76.20% 40% F 25% F
Risk Adjusted Return 53.71% 83% B 81% B-
Market Capitalization 5.32B 85% B 89% A-

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Superior risk adjusted returns

This stock has performed well, on a risk adjusted basis, compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile.

Superior return on assets

The company management has delivered better return on assets in the most recent 4 quarters than its peers, placing it in the top quartile.

Superior capital utilization

The company management has delivered better return on invested capital in the most recent 4 quarters than its peers, placing it in the top quartile.

Superior return on equity

The company management has delivered better return on equity in the most recent 4 quarters than its peers, placing it in the top quartile.

Underpriced on cashflow basis

The stock is trading low compared to its peers on a price to cash flow basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

High market capitalization

This is one of the largest entities in its sector and is among the top quartile. Such companies tend to be more stable.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

High Gross Profit to Asset Ratio

This stock is in the top quartile compared to its peers on Gross Profit to Asset Ratio. This is a popular measure among value investors for showing superior returns in the long run.

What to not like:
Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Below median total returns

The company has under performed its peers on annual average total returns in the past 5 years.

High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.