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TickerTalks›$QFIN
QFQFIN

Qfin Holdings, Inc.

$QFIN·$1.7B·Financial - Credit Services·Financial Services
$8.66-1.6%YTD-31.4%1Y-70.8%
Mentions · last 7 days
2026-08-21: 1 posts2026-08-22: 0 posts40%
Price updated 2h ago·X counts updated 9d ago
QFQFIN
$QFINQfin Holdings, Inc.
$8.66-1.59%4 posts0%
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Top X posts

Today's AI verdict on what's driving $QFIN, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Broken storySelling offAI verdict · as of 2026-08-21

Falling on heavy selling — points lower unless it turns around.

Chinese consumer-credit tech down 61% year-over-year — Q2 print in days, and the tape is at 1% of its range.

Qifu Technology (formerly 360 DigiTech) is a Chinese credit-tech platform providing consumer-loan matchmaking between financial institutions and borrowers via its 360 Jietiao platform. The equity has been in freefall on Chinese consumer-credit tightening and platform regulatory pressure.

  • Q1 revenue was down 4.3% year-on-year to CNY 3.89B — the top-line decline is moderate, but Q4 2025 was -10% and the trajectory is negative.
  • Trades at ~1.2x trailing earnings and 0.7x TTM sales — genuinely distressed multiples that reflect either a value-trap read or a real distressed-Chinese-financial risk.
  • Stock is -31% year-to-date and -61% over 12 months, sitting at the 1st percentile of its 52-week range and 27% below the 200-day trend — the tape has been in aggressive distribution.
  • FCF yield of 62% is optically enormous — the cash is being generated, the question is whether US-listed shareholders can access it given the China-listing structure.

The Aug 25 Q2 earnings print is the immediate arbiter — consensus is $0.96 EPS. A beat with specific commentary on the consumer-credit environment stabilizing could produce a real reversal from these prices. What confirms the breakdown is another revenue-decline quarter or a Chinese-regulatory tightening announcement; the 1st-percentile tape means the market has already priced significant pain.

What to watch: Aug 25 Q2 earnings — consensus $0.96 EPS. Consumer-credit environment commentary and any Chinese regulatory update. Watch for buyback disclosures given the ultra-low multiple.

On the calendar: 2026-08-25 — Q2 earnings

Read the AI verdict + X sentiment for $QFIN

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • X crowd read with bullish/bearish call + post volume
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What it does

Plain-English summary of the business — what they sell and how they make money.

Chinese credit-tech platform matching borrowers with financial institution lenders under the 360 Jietiao brand.

Industry overviewAI analysisGenerated by AI from underlying data

Where Financial - Credit Services sits in its cycle right now — and what that implies for $QFIN.

Financial - Credit Services · Financial Services

Consumer credit quality is the central variable; delinquency trends in credit cards and auto loans determine reserve requirements and loss expectations. Rate normalization improves NIM dynamics but a credit cycle turn would offset those gains.

What this means for $QFIN

Partial — cloud infrastructure exposure benefits indirectly from hyperscaler capex; core business is Qifu Technology, Inc.

Industry benchmark

18-name peer basket
-0.2%YTD
-8.3%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
1.2How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
13.1%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
32.1%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
62.0%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
0.7Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
20.9%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
73.9%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.1Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Aug 25, 2026$0.48$1.06-54.7%
Q1 2026May 26, 2026$1.04$0.96+8.3%
Q4 2025Mar 17, 2026$1.12$1.13-0.9%
Q3 2025Nov 18, 2025$1.52$1.68-9.5%
Next earningsWed, Nov 18·consensus EPS $0.40

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q1 FY26$3.9B-4.3%75.8%23.9%$14.46—
Q4 FY25$4.0B-10.0%78.3%20.0%$15.66$0
Q3 FY25$5.2B+19.1%65.0%32.7%$10.90$2.5B
Q2 FY25$4.3B+4.1%78.7%50.2%$12.90$2.6B

Forward consensus

3-year forecast · up to 7 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$14.4B$14.3B – $14.6B$27.39$25.67 – $29.126
FY27$13.5B$13.2B – $13.8B$29.63$28.37 – $30.597
FY28$14.1B$12.4B – $15.7B$34.71$29.01 – $41.557

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.1.7×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.0%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.-33.7%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.-42.5%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatMid float · 111.2M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today3.1% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β0.625-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

BuyJun 9Xiaohuan ChenDirector4.0K sh$58KBuyMar 27Xiaohuan ChenDirector190.3K sh$2.5M
+ 3 other (3 awards) in window

See when $QFIN insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
Free, forever. No credit card.

SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

3New insider — initial holdingsMar 183
3New insider — initial holdingsMar 183
3New insider — initial holdingsMar 183
3New insider — initial holdingsMar 183
3New insider — initial holdingsMar 183
3New insider — initial holdingsMar 183
3New insider — initial holdingsMar 183
3New insider — initial holdingsMar 183
+ 17 other (11 6-Ks · 3 3s · 2 13Gs · 1 20-F) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Qfin Holdings: Downgrade On Liquidity Squeeze, Regulatory Headwinds, And Moreseekingalpha.com·4d agoSecurities Fraud Investigation Into Qfin Holdings, Inc. (QFIN) Announced – Shareholders Who Lost Money Urged To Contact Glancy Prongay Wolke & Rotter LLP, a Leading Securities Fraud Law Firmbusinesswire.com·5d agoQfin Q2 Earnings Call Highlightsdefenseworld.net·5d agoSecurities Fraud Investigation Into Qfin Holdings, Inc. (QFIN) Announced – Shareholders Who Lost Money Urged To Contact The Law Offices of Frank R. Cruzbusinesswire.com·5d agoQfin Holdings, Inc. (QFIN) Q2 2026 Earnings Call Transcriptseekingalpha.com·6d ago

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TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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