Qfin Holdings, Inc. (QFIN)
Financial Services · NMS · US
Fundamentals
Valuation and ratings
Qfin Holdings, Inc. trades at USD12.73, which is 122% below the USD28.27 our discounted cash flow model puts on the business. On that measure alone it screens as undervalued, though a DCF is an argument rather than a measurement, and the market is frequently right about why something is cheap.
Our moat model scores it 70 out of 100, which is a wide moat. A moat is a structural reason competitors cannot take the profits away, and it matters more to a long holding period than any single quarter's numbers do.
It changes hands at 2.3 times earnings. Be careful reading that in isolation: for a cyclical business a low P/E arrives at the top of the cycle, when profits are peaking and about to fall, which is exactly when the shares look cheapest and are not.
About Qfin Holdings, Inc.
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. 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 and post-facilitation services to financial institution partners under capital light model, 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 Qifu Technology, Inc. and changed its name to Qfin Holdings, Inc. in July 2025. Qfin Holdings, Inc. was founded in 2016 and is headquartered in Shanghai, the People's Republic of China.
QFIN passes 6 of our 30 screens today
Each screen prints the exact criteria it used, and the circumstances in which it is wrong.
Super investor ownership
7 of the funds we track reported a position in their latest SEC 13F filing. Largest first:
- D. E. Shaw, D. E. Shaw & Co., Inc.$40.41M · 0.0% of book
- Arrowstreet Capital, ARROWSTREET CAPITAL, LIMITED PARTNERSHIP$5.61M · 0.0% of book
- Renaissance Technologies, RENAISSANCE TECHNOLOGIES LLC$5.03M · 0.0% of book
- Sarah Ketterer, CAUSEWAY CAPITAL MANAGEMENT LLC$4.26M · 0.1% of book
- Israel Englander, MILLENNIUM MANAGEMENT LLC$3.20M · 0.0% of book
A word of warning on reading these figures: a 13F reports the market value of a holding, so a fund that traded nothing at all still appears to have sold when the price fell. We found 102 companies where the standard reading gives the opposite answer. Only the share count is honest.
Common questions
Is Qfin Holdings, Inc. (QFIN) undervalued?
Against our discounted cash flow estimate of USD28.27, QFIN at USD12.73 is 122% below fair value. That is one model's answer, not a recommendation, and most of a DCF's output sits in a terminal value nobody can forecast.
Which funds own QFIN?
7 of the institutions we track reported a position in QFIN in their most recent SEC 13F filing. A 13F is filed up to 45 days after quarter end, so it tells you what a fund held then, not what it holds now.
What is QFIN's P/E ratio?
QFIN trades at 2.3 times earnings. A low P/E is not automatically cheap: on a cyclical company it is usually a warning that earnings are at a peak.
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Data from company filings, exchange quotes and SEC EDGAR 13F disclosures. Quotes are delayed. Metrics we do not have are left out rather than estimated. Educational information, not financial advice.