QFIN$14.01
$14.1
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AI QFIN Summary
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Powered by LiveAIOverall Analysis
BuyQifu Technology, Inc. (QFIN) shows strong underlying profitability and a positive outlook driven by its AI-powered credit-tech platform. While recent performance indicates a downward trend, the company's valuation and growth potential remain attractive. Technical indicators suggest potential for a rebound.
Thematic
Qifu Technology operates within the burgeoning fintech and AI-driven credit services sector in China. The increasing adoption of digital financial services and AI for credit assessment presents significant growth opportunities, though regulatory shifts in China's tech sector could pose a risk.
Fundamental
Qifu Technology demonstrates robust profitability and strong revenue growth, supported by a healthy balance sheet and consistent free cash flow. The company's valuation metrics, particularly its P/E ratio, suggest it is attractively priced relative to its earnings.
Technical
The stock is trading significantly below its 52-week high and has experienced a recent sharp decline. However, technical indicators such as RSI and Stochastic RSI are in oversold territory, suggesting a potential for a short-term bounce or reversal.
| Factor | Score |
|---|---|
| Digital Transformation in Finance | 85 |
| AI in Credit Assessment | 90 |
| Emerging Market Fintech Growth | 70 |
| China's Economic Policy on Tech | 50 |
| E-commerce and Digital Lending Integration | 75 |
| Factor | Score |
|---|---|
| Valuation | 95 |
| Profitability | 98 |
| Growth | 60 |
| Balance Sheet Health | 70 |
| Cash Flow | 92 |
| Factor | Score |
|---|---|
| Trend Analysis | 55 |
| Momentum | 70 |
| Volume Confirmation | 70 |
| Support & Resistance | 75 |
| Oversold Indicators | 85 |
AI Investing Checklist
Powered by LiveAIBullish Points (7)
Consistent Earnings Beats
Q2 2025 EPS estimate was 12.52, reported at 13.53 (8.07% surprise). Q1 2025 EPS estimate was 12.24, reported at 13.66 (11.65% surprise). Q4 2024 EPS estimate was 10.01, reported at 12.35 (23.38% surprise).
Low Price-to-Earnings Ratio
The trailing P/E ratio is 5.56, which is exceptionally low and suggests potential undervaluation given the reported earnings.
Bearish Points (7)
High Price-to-Sales Ratio
The trailing P/S ratio is 0.5, which appears low. However, considering the high net income relative to revenue (indicated by high net margins), the P/E ratio is more critical. The P/S ratio for Q1 2025 is 1.5, suggesting a higher valuation relative to sales in recent periods.
Slowing Revenue Growth in Latest Quarter
While annual revenue shows significant figures, the quarterly revenue for Q1 2025 was $4.06 billion, a decrease from $3.66 billion in Q4 2024. This indicates potential deceleration.
Calendar
April 2025
23
Ex-Dividend Date
June 2025
2
Next Dividend Date
August 2025
14
Next Earnings Date
H: $
A: $
L: $
H: 4.68B
A: 4.68B
L: 4.68B
Profile
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.
Seasonals
Price Target
56.01 USD
The 39 analysts offering 1 year price forecasts for QFIN have a max estimate of 65.06 and a min estimate of 50.18.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
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