Qfin Holdings, Inc. (QFIN)

Official site

FINANCIAL SERVICES • CREDIT SERVICES • NASDAQ

$5.82

+0.13 (+2.28%)

Market Cap: $699.10M

Last updated: Oct 16, 2026 at 1:55 PM ET

Earnings

Performance (10Y)

Beat Rate

64%(18/28)

Avg Surprise

+9.13%

Upcoming Estimates

Period ending Sep 30, 2026

EPS Consensus$3.41

Range$3.41 - $3.41

1 analysts

EPS RevisionsNo revisions (7d)

30d

EPS Estimate DriftChange to current

90d ago$7.07-51.8%

60d ago$7.07-51.8%

30d ago$7.12-52.1%

7d ago$7.12-52.1%

Current$3.41

Revenue Consensus

$2.9B

Range$2.9B - $2.9B

1 analysts

Period ending Dec 31, 2026

EPS Consensus$0.50

Range$-0.03 - $1.20

4 analysts

Revenue Consensus

$2.4B

Range$2.3B - $2.5B

7 analysts

Period	Reported	Est.	Range	Surprise	B/M	Analysts	Revisions	YoY
Dec 31, 2026Dec 26EST	-	$0.50	$-0.03 - $1.20	-	-	4	-	-
Sep 30, 2026Sep 26EST	-	$3.41	$3.41 - $3.41	-	-	1	0 1 30d	-
Jun 30, 2026Jun 26 Reported Aug 25, 2026Reported Aug 25	$0.48	$0.96	-	-50.00%	Miss	1	1 0 30d	-96.2%
Mar 31, 2026Mar 26 Reported May 26, 2026Reported May 26	$7.16	$6.39	$6.39 - $6.39	+12.05%	Beat	1	0 1 30d	+311.5%
Dec 31, 2025Dec 25 Reported Mar 17, 2026Reported Mar 17	$7.82	$9.17	$9.17 - $9.17	-14.72%	Miss	1	0 1 30d	-42.8%
Sep 30, 2025Sep 25 Reported Nov 18, 2025Reported Nov 18	$10.80	$11.80	$11.80 - $11.80	-8.47%	Miss	1	0 1 30d	-11.3%
Jun 30, 2025Jun 25 Reported Aug 14, 2025Reported Aug 14	$12.76	$12.67	$12.67 - $12.67	+0.71%	Beat	0	No revisions (30d)	+43.0%
Mar 31, 2025Mar 25 Reported May 19, 2025Reported May 19	$1.74	$1.72	$1.72 - $1.72	+1.16%	Beat	0	No revisions (30d)	-76.2%
Dec 31, 2024Dec 24 Reported Mar 16, 2025Reported Mar 16	$13.66	$7.77	$7.77 - $7.77	+75.80%	Beat	0	No revisions (30d)	+91.0%
Sep 30, 2024Sep 24 Reported Nov 19, 2024Reported Nov 19	$12.18	$10.01	$10.01 - $10.01	+21.68%	Beat	1	No revisions (30d)	+75.5%
Jun 30, 2024Jun 24 Reported Aug 13, 2024Reported Aug 13	$8.92	$7.17	$7.17 - $7.17	+24.41%	Beat	1	No revisions (30d)	+28.3%
Mar 31, 2024Mar 24 Reported May 19, 2024Reported May 19	$7.30	$7.16	$7.16 - $7.16	+1.96%	Beat	1	0 1 30d	+23.3%
Dec 31, 2023Dec 23 Reported Mar 12, 2024Reported Mar 12	$7.15	$7.04	$7.02 - $7.06	+1.56%	Beat	2	No revisions (30d)	+25.4%
Sep 30, 2023Sep 23 Reported Nov 16, 2023Reported Nov 16	$6.94	$3.23	$3.23 - $3.23	+114.86%	Beat	1	No revisions (30d)	+7.1%
Jun 30, 2023Jun 23 Reported Aug 21, 2023Reported Aug 21	$6.95	$6.60	$6.60 - $6.60	+5.30%	Beat	1	No revisions (30d)	+13.6%
Mar 31, 2023Mar 23 Reported May 18, 2023Reported May 18	$5.92	$5.97	$5.94 - $5.99	-0.84%	Miss	2	No revisions (30d)	-22.9%
Dec 31, 2022Dec 22 Reported Mar 9, 2023Reported Mar 9	$5.70	$3.41	$2.92 - $3.90	+67.16%	Beat	2	No revisions (30d)	-30.7%
Sep 30, 2022Sep 22 Reported Nov 13, 2022Reported Nov 13	$6.48	$6.50	$6.49 - $6.52	-0.31%	Miss	2	0 1 30d	-33.5%
Jun 30, 2022Jun 22 Reported Aug 18, 2022Reported Aug 18	$6.12	$6.63	$6.63 - $6.63	-7.69%	Miss	0	No revisions (30d)	-36.4%
Mar 31, 2022Mar 22 Reported May 24, 2022Reported May 24	$7.68	$7.29	$7.29 - $7.29	+5.35%	Beat	1	No revisions (30d)	+82.0%
Dec 31, 2021Dec 21 Reported Mar 10, 2022Reported Mar 10	$8.22	$7.60	$7.60 - $7.60	+8.16%	Beat	1	No revisions (30d)	-2.1%
Sep 30, 2021Sep 21 Reported Nov 15, 2021Reported Nov 15	$9.74	$8.57	$8.57 - $8.57	+13.65%	Beat	1	No revisions (30d)	+144.1%
Jun 30, 2021Jun 21 Reported Aug 19, 2021Reported Aug 19	$9.62	$7.52	$7.52 - $7.52	+27.93%	Beat	1	No revisions (30d)	+67.0%
Mar 31, 2021Mar 21 Reported May 27, 2021Reported May 27	$4.22	$5.10	$5.10 - $5.10	-17.25%	Miss	1	No revisions (30d)	+591.8%
Dec 31, 2020Dec 20 Reported Mar 15, 2021Reported Mar 15	$8.40	$6.89	$6.89 - $6.89	+21.92%	Beat	1	No revisions (30d)	+487.4%
Sep 30, 2020Sep 20 Reported Nov 19, 2020Reported Nov 19	$3.99	$5.56	$5.56 - $5.56	-28.24%	Miss	1	No revisions (30d)	+62.9%
Jun 30, 2020Jun 20 Reported Aug 23, 2020Reported Aug 23	$5.76	$5.19	$5.19 - $5.19	+10.98%	Beat	1	No revisions (30d)	+182.4%
Mar 31, 2020Mar 20 Reported May 28, 2020Reported May 28	$0.61	$0.33	-	+84.85%	Beat	-	-	-74.6%
Dec 31, 2019Dec 19 Reported Mar 27, 2020Reported Mar 27	$1.43	N/A	-	-68.15%	Miss	0	No revisions (30d)	-27.8%
Sep 30, 2019Sep 19 Reported Nov 27, 2019Reported Nov 27	$2.45	$4.72	$4.72 - $4.72	-48.09%	Miss	0	No revisions (30d)	+189.3%
Jun 30, 2019Jun 19 Reported Aug 23, 2019Reported Aug 23	$2.04	$0.00	$0.00 - $0.00	N/A	Beat	0	No revisions (30d)	+1040.5%
Mar 31, 2019Mar 19 Reported May 20, 2019Reported May 20	$2.40	N/A	-	N/A	Beat	-	-	+819.9%
Dec 31, 2018Dec 18 Reported Mar 19, 2019Reported Mar 19	$1.98	N/A	-	N/A	Beat	-	-	+23755.4%
Sep 30, 2018Sep 18 Reported Dec 14, 2018Reported Dec 14	$0.85	N/A	-	N/A	Beat	-	-	+634.7%
Jun 30, 2018Jun 18 Reported Jun 30, 2018Reported Jun 30	$-0.22	N/A	-	N/A	Beat	-	-	-267.0%
Mar 31, 2018Mar 18 Reported Mar 31, 2018Reported Mar 31	$0.26	N/A	-	N/A	Beat	-	-	+629.2%
Dec 31, 2017Dec 17 Reported Dec 31, 2017Reported Dec 31	$0.01	N/A	-	N/A	Beat	-	-	-
Sep 30, 2017Sep 17 Reported Sep 30, 2017Reported Sep 30	$-0.16	N/A	-	N/A	Beat	-	-	-
Jun 30, 2017Jun 17 Reported Jun 30, 2017Reported Jun 30	$-0.06	N/A	-	N/A	Beat	-	-	-
Mar 31, 2017Mar 17 Reported Mar 31, 2017Reported Mar 31	$-0.05	N/A	-	N/A	Beat	-	-	-

Dividends

Dividend Metrics

Forward Yield21.31%

Forward Annual Dividend$1.24

Payout Ratio33.08%

FrequencySemi-Annual

Pay MonthsMay, Oct

Growth

3Y CAGR+22.20%

QFIN dividend history and ex-dividend dates Run QFIN in the free DRIP calculator

Key Metrics

Valuation
P/E Ratio	0.22	EV/EBITDA	0.16x
Price/FCF	N/A	FCF Yield	N/A
Profitability
Profit Margin	22.30%	Operating Margin	32.50%
ROE	15.30%	ROIC	N/A
Financial Health
Debt/Equity	0.12x	Interest Coverage	N/A
Current Ratio	5.47x	Quick Ratio	5.47x
Trading Statistics
Beta	0.56	Avg Volume	2.10M
52-Week High	$24.68	52-Week Low	$5.73

Technical Indicators Dashboard

Moving Averages

SMA 10$6.10

SMA 20$6.71

SMA 50$8.61

SMA 200$12.51

EMA 10$6.13

EMA 20$6.70

EMA 50$8.35

EMA 200$13.42

MACD

Line: -0.82Signal: -0.84Hist: 0.03

ADX

ADX: 65.6+DI: 9.3-DI: 44.4

Aroon & PSAR

Aroon UpN/A

Aroon Down96.0

PSAR$6.06

Bollinger Bands

Upper Band$8.25

Lower Band$5.18

%B Position4567%(Upper)

Band Width0.21

RSI (14-Day)

Oversold

21.1

Momentum Oscillators

Stoch %K7.3

Stoch %D5.4

Williams %R-85.5

ROC (10d)-10.0%

Momentum-0.65

CCI (20d)-101.9

MFI (14d)24.2

Volatility Measures

ATR (14d)$0.33(5.7%)

StdDev (20d)0.77

Hist Vol30.5%(Moderate)

Volume Flow

VWAP$5.75

OBV-152.7M

AD Line-2.1B

CMF (20d)-0.441

Volume Metrics

Avg Vol (20d)2.2M

Vol Ratio0.9x

VWMA (20d)$6.77

Pivot Points

R3$5.97

R2$5.87

R1$5.78

Pivot Point$5.67

S1$5.58

S2$5.48

S3$5.39

Advanced Oscillators

TSI-61.39

Ultimate Osc37.9

KST-290.61

Financial Data

Quarter	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023
Total Revenue	$3.56B	$3.91B	$3.41B	$5.21B	$4.33B	$4.06B	$4.48B	$4.37B	$4.16B	$4.15B	$3.89B	$4.28B
Cost of Revenue	$802.84M	$2.19B	$1.50B	$1.82B	$920.38M	$891.63M	$1.52B	$1.40B	$1.80B	$1.84B	$1.68B	$1.40B
Gross Profit	$2.75B	$1.72B	$1.91B	$3.38B	$3.41B	$3.17B	$2.96B	$2.97B	$2.36B	$2.31B	$2.21B	$2.89B

Operating Expenses	$1.62B	$614.57M	$760.92M	$1.68B	$1.24B	$947.32M	$1.07B	$684.34M	$371.94M	$950.17M	$1.53B	$1.50B
R&D	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
SG&A	$136.64M	$158.65M	$142.80M	$143.82M	$175.88M	$196.48M	$156.06M	$91.97M	$95.05M	$106.42M	$108.04M	$95.39M
Operating Income	$1.14B	$1.11B	$1.15B	$1.70B	$2.17B	$2.22B	$1.89B	$2.29B	$1.98B	$1.36B	$2.06B	$1.39B

Interest Income	$1.87B	$2.06B	$2.26B	$2.42B	$2.28B	$1.88B	$1.74B	$1.81B	$1.74B	$1.59B	$1.53B	$1.42B
Interest Expense	$48.03M	$128.30M	$0	$0	$0	$0	$0	$0	$0	$0	$732.96M	$0
Income Before Tax	$1.09B	$1.14B	$1.15B	$1.83B	$2.17B	$2.22B	$1.93B	$2.36B	$2.08B	$1.53B	$1.33B	$1.48B
Income Tax Expense	$689.19M	$260.72M	$136.51M	$398.83M	$441.52M	$423.63M	$20.04M	$558.14M	$700.05M	$366.06M	$223.24M	$340.41M

Net Income	$404.77M	$879.81M	$1.02B	$1.44B	$1.73B	$1.80B	$1.92B	$1.80B	$1.38B	$1.16B	$1.11B	$1.14B

EBITDA	$1.09B	$945.50M	$1.15B	$2.49B	$2.17B	$2.22B	$2.28B	$2.38B	$1.79B	$1.70B	$2.08B	$2.24B
EBIT	N/A	N/A	N/A	$2.47B	N/A	$2.22B	$2.20B	$2.36B	$1.77B	$1.68B	$2.06B	$2.22B

* Some calculated fields are derived from available data when not provided by source

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News

Qfin (NASDAQ:QFIN) Reaches New 1-Year Low - What's Next?

Qfin (NASDAQ:QFIN) shares recently dropped to a new 52-week low of $5.86, trading below their 50-day and 200-day moving averages. This decline follows several analyst downgrades...

MarketBeat•Oct 13, 2026 3:43 AM ET10/13/26•Bearish

Qfin Holdings Inc. - Sponsored ADR (NASDAQ:QFIN) Stock Has Consensus Target Price of $12.29

Qfin Holdings Inc. (NASDAQ:QFIN) has received a consensus "Reduce" rating from analysts, with an average 12-month price target of $12.29. The stock is currently trading near its 12-month low of $7.03...

MarketBeat•Sep 29, 2026 7:27 PM ET9/29/26•Bearish

QFIN Valuation and Fair Value

P/E: 0.2x
Forward P/E: 3.3x
EV/EBITDA: 0.2x
P/B: 0.2x

See GNG's fair value

QFIN Profitability: Margins, ROIC and FCF

Gross margin: 60.8%
Operating margin: 32.5%
Net margin: 22.3%
ROE: 15.3%
FCF margin: 112.7%

QFIN Competitors

Company	Ticker
Washington Trust Bancorp Inc	WASH
Third Coast Bancshares, Inc.	TCBX
Community West Bancshares	CWBC
Carter Bank and Trust	CARE
Green Dot Corporation	GDOT
MidCap Financial Investment Corporation	MFIC
FinVolution Group	FINV
Southern California Bancorp	BCAL

Sector: Financial Services

QFIN Analyst Ratings

Consensus: Buy
Analysts: 13
Strong Buy: 3
Buy: 5
Hold: 3
Sell: 1
Strong Sell: 1

QFIN Bull Case vs Bear Case

Bull case

QFIN converts 112.7% of revenue into free cash flow.
QFIN has a 22.3% net profit margin.
61.5% of QFIN's analyst ratings are Buy or Strong Buy.

Bear case

QFIN's quarterly revenue changed -31.6% year over year.

QFIN Earnings: Beat Rate and Next Report

Beat rate: 5 of 8 quarters (62.5%)
Average surprise: 4.8%
EPS estimate (fiscal period ending Sep 30, 2026): $3.41
Estimate revisions (30 days, fiscal period ending Sep 30, 2026): 0 up, 1 down

QFIN Dividend

Forward yield: 21.3%
Payout ratio: 33.1%
3Y DPS growth: 22.2%
Pay months: May, Oct

QFIN dividend history

Frequently Asked Questions About QFIN

What is QFIN's current dividend yield?

Qfin Holdings, Inc. (QFIN) has a forward dividend yield of 21.31%.

Does QFIN pay dividends?

Yes, Qfin Holdings, Inc. pays dividends with a forward dividend yield of 21.31%.

What is QFIN's P/E ratio?

Qfin Holdings, Inc. has a price-to-earnings (P/E) ratio of 0.22.

What is QFIN's market cap?

Qfin Holdings, Inc. (QFIN) has a market capitalization of $699.10M with a current stock price of $5.82.

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