TickerTalks
Browse all tickers →
TickerTalks›$QFIN
QFQFIN

Qfin Holdings, Inc.

$QFIN·$2.0B·Financial - Credit Services·Financial Services
$12.73-0.9%YTD-35.6%1Y-69.7%
Mentions · last 7 days
2026-07-11: 45 posts2026-07-12: 95 posts2026-07-13: 135 posts2026-07-14: 40 posts2026-07-15: 39 posts2026-07-16: 16 posts2026-07-17: 7 posts388+7%
Price updated 5h ago·X counts updated 5h ago
QFQFIN
$QFINQfin Holdings, Inc.
$12.73-0.93%388 posts+7%
AI analysisFundamentalsVoices on X
Loading…

AI verdict & sentimentAI analysisGenerated by AI from underlying data

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.

Proven numbersWinding up for a moveAI verdict · as of 2026-07-16

Trading in a tight range and building pressure — a move looks likely soon, but the direction isn't clear yet.

Chinese fintech at 1.2x P/E with 62% FCF yield — the coil is loaded at 5% of 52-week range into August 13.

Qfin Holdings is the Chinese consumer + SME credit-tech platform whose 2026 tape has been -35% YTD despite genuinely rare fundamental economics. The setup is coiled at 5% of the 52-week range with earnings on August 13.

  • The core business is earning extreme cash margins: Q1 2026 revenue was $3.9B (down 4.3% YoY, specific comp effect), gross margin held at 76%, operating margin at 24%, and the FCF yield of 62% is genuinely rare — this is a cash-machine credit-tech platform.
  • Valuation is decisively cheap: 1.2x TTM P/E on a business earning 62% FCF yield is priced for a specific China-consumer-credit disaster scenario, but the Q1 EPS of $14.46 tells a very different story — the setup is a specific mean-reversion candidate.
  • The China-macro headwind is the specific overhang: no bundle sentiment data, but the position at 5% of 52-week range indicates the tape is stress-testing a specific regulatory-and-credit-cycle scenario — the August 13 print has to affirm mean-reversion.

The August 13 Q2 earnings are the near-term arbiter — Q2 revenue trajectory, take-rate commentary, and any specific commentary on Chinese consumer-credit trends extend the coiling setup toward $18. A specific China-consumer-credit deterioration or regulatory-crackdown risk stalls the tape near current levels.

What to watch: The August 13 Q2 earnings. Watch Q2 revenue trajectory, take-rate commentary, and Chinese consumer-credit trend commentary. Specific China-consumer-credit deterioration or regulatory-crackdown risk stalls the tape near current levels; steady numbers + take-rate stability extends toward $18.

On the calendar: 2026-08-13 — 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
Free, forever. No credit card.

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

No material change from last week — AI agents transacting autonomously on behalf of consumers could decouple purchase decisions from card rails, threatening the interchange fee model.

What this means for $QFIN

Neutral — Chinese credit-tech platform matching borrowers with financial institution lenders under the 360 Jietiao brand; limited exposure means the consumer credit resilience and AI agent payment channel expansion is not a near-term catalyst or headwind.

Industry benchmark

14-name peer basket
+3.3%YTD
-12.6%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
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%
Q2 2025Aug 14, 2025$1.78$1.79-0.6%
Next earningsThu, Aug 13·consensus EPS $0.99

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$14.2B – $14.5B$27.29$25.83 – $29.306
FY27$13.4B$13.1B – $13.8B$29.52$28.55 – $30.787
FY28$14.0B$12.4B – $15.6B$34.57$28.90 – $41.397

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.0.8×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.4%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.-10.7%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.-26.7%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

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
+ 14 other (9 6-Ks · 3 3s · 1 13G · 1 20-F) in window

Recent news

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

Dividend Power: 6 'Safer' Ideal Dogs To Buy In Julyseekingalpha.com·11d agoQfin Holdings Announces Results of Annual General Meetingglobenewswire.com·18d agoBuy 6 June Dividend Power Dogsseekingalpha.com·42d agoWhy Qfin Stock Is Skyrocketing Todayfool.com·52d agoQfin Q1 Earnings Call Highlightsmarketbeat.com·52d ago

More in Financial - Credit Services

Peers in the same group — one click to compare setups, fundamentals, and chatter.

$SOFI$PYPL$V$MA$AXP$COF$UPST$GPN
Voices on X · last 7 days

No standout posts about $QFIN on X in the last 7 days.

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.

PrivacyTermsSupport