Qfin Holdings

HK$21.34As of Sun 8 Nov 2026, 12:00 UTC

HKEX:3660Financials

Country Hong Kong

PE (Fwd) 0.797

TSR 4Y CAGR (18.12%)

Div yield 29.66%

ROE —

Credit Services

Beta (5Y) 0.63

PE TTM 0.825

TSR TTM (71.72%)

Mkt cap HK$4.947B

ROIC —

SE Grade™

—

Value

Quality

—

Moat

—

1Y Price

Reference

$16

(25.10%)

765.84%

Price below Reference Value

TTM

FYE 31 Dec CNY

FY2016

FY2017

FY2018

FY2019

FY2020

FY2021

FY2022

FY2023

FY2024

FY2025

FY2026E

Trend

10Y

Peers

19.21

Revenue¥B

—

16.64

16.55

16.29

17.17

19.21

19.73

3.66%

11.88

Revenue growth%

—

(0.49)

(1.59)

5.38

11.88

2.73

2.44

—

61.41

Gross margin%

—

77.16

70.66

64.13

61.77

61.41

61.21

64.13

43.46

Operating margin%

—

59.30

53.40

48.56

46.65

43.46

43.27

48.56

31.19

Net margin%

—

34.76

24.31

26.31

36.49

31.19

30.86

31.19

0.825

P/E ratio (avg)x

—

5.261

5.072

4.380

4.433

0.812

4.752

—

0.592

EV/EBITx

—

2.395

2.748

3.427

3.181

0.579

2.964

—

FCF yield (avg)%

—

100

—

FCF margin%

—

FCF / Net incomex

—

ROIC%

—

Return on equity%

—

Return on assets%

—

22.01

EPS¥

—

17.99

12.50

13.04

20.64

22.01

22.37

5.17%

—

6.60

EPS growth%

—

(30.53)

4.39

58.25

6.60

1.65

5.50

—

Bookvalue per sh¥

—

FCF per share¥

—

5.39

Dividend per sh¥

—

1.72

2.48

3.83

4.74

5.39

5.75

33.12%

—

29.66

Div yield (avg)%

—

3.78

5.79

5.25

5.52

31.66

5.38

—

100

24.47

Payout ratio%

—

9.53

19.86

29.36

22.99

24.47

25.70

22.99

272.2

Shares (diluted)M

—

321.4

322.0

328.5

303.4

272.2

◌272.2

(4.07%)

10.31

Buyback yield%

—

(0.19)

(2.02)

7.63

10.31

◌—

3.72

—

D/E ratiox

—

4.942

Enterprise value¥B

—

21.17

21.74

27.44

26.55

4.942

7.84%

—

LT debt¥M

—

Peers (US$678.5M)

Cap (US$)

Lufax Holding Ltd

809.6M

—

Allied Group Limited

800.0M

8.055x

Yixin Group Limited

706.4M

3.603x

Katilimevim Tasarruf…

678.6M

1.184x

Capital

TTM

10Y

Leveragex

—

EBIT/Intx

—

Own earn%

—

Sh yield%

39.97

8.32

Owners

Insiders/Inst%

—

Short interest%

—

SBC / revenue%

2.26

Record

10Y

Profitable years

5/5

Revenue growth years

2/4

EPS growth years

3/4

Dividend streakyrs

Op margin range%

43–59

$1 testx

—

Incr. ROIC%

—

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.

Growth vs revenue

Latest

Trend

4Y CAGR

Rel growth

Revenue

¥19.21B

3.66%

1.00×

Cost of revenue

¥7.411B

18.18%

1.69×

Operating expenses

¥3.448B

3.78%

1.00×

Revenue by region

No breakdown available

Reinvestment returns

n/m

Trend

Reinvestment rate

n/m

Return on capital

n/m

Spread over hurdle

n/m