A Business at a Glance
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Qfin Holdings, Inc. operates in the Finance Services industry, Financials sector. Full business description from SEC filing not yet available.
| Segment | 2020 | 2021 | 2022 | 2023 | 2024 | % of Total |
|---|---|---|---|---|---|---|
Credit driven services | $1.65B | $1.58B | $1.72B | $1.66B | $1.63B | 32% |
Financing income | $317M | $339M | $517M | $722M | $923M | 18% |
Platform services | $313M | $1.00B | $737M | $643M | $758M | 15% |
Revenue from releasing of guarantee liabilities | $654M | $866M | $875M | $671M | $514M | 10% |
Referral services fees | $38M | — | $83M | $134M | $395M | 8% |
| Metric | TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| Revenue | 2.4B | 2.4B | 2.3B | 2.5B | 2.6B | 2.0B |
| Net Income | 872M | 872M | 606M | 597M | 897M | 507M |
| EPS | $7.15 | $7.15 | $4.59 | $4.62 | $6.95 | $4.12 |
| Free Cash Flow | 1.3B | 1.3B | 994M | 875M | 895M | 770M |
| ROIC | 133.7% | 146.2% | 110.2% | 139.6% | 16.6% | 13.3% |
| Gross Margin | 6.7% | 6.7% | 83.7% | 85.7% | 7.3% | 5.3% |
| Debt/Equity | 0.83 | 0.83 | 0.52 | 0.11 | 0.33 | 0.26 |
| Dividends/Share | $1.44 | $1.44 | $1.01 | $1.13 | - | - |
| Operating Income | 143M | 143M | 97M | 96M | 165M | 84M |
| Operating Margin | 6.0% | 6.0% | 4.2% | 3.9% | 6.4% | 4.3% |
| ROE | 189.0% | 195.6% | 138.7% | 147.3% | 242.3% | 240.7% |
| Shares Outstanding | 122M | 122M | 132M | 129M | 129M | 123M |
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||
| Revenue | 117M | 671M | 1.3B | 2.0B | 2.6B | 2.5B | 2.3B | 2.4B | 2.4B |
| Gross Margin | 33.3% | 7.5% | 5.4% | 5.3% | 7.3% | 85.7% | 83.7% | 6.7% | 6.7% |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 6.8M | 13M | 8.9M | 10M | 14M | 8.9M | 8.4M | 8.6M | 8.6M |
| EBIT | 31M | 36M | 60M | 84M | 165M | 96M | 97M | 143M | 143M |
| Op. Margin | 26.7% | 5.4% | 4.5% | 4.3% | 6.4% | 3.9% | 4.2% | 6.0% | 6.0% |
| Net Income | 24M | -288M | 363M | 507M | 897M | 597M | 606M | 872M | 872M |
| Net Margin | 20.9% | -42.8% | 27.1% | 25.8% | 34.8% | 24.3% | 26.3% | 36.5% | 36.5% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | |||||||||
| ROIC | 22.5% | 29.3% | 12.0% | 13.3% | 16.6% | 139.6% | 110.2% | 146.2% | 133.7% |
| ROE | 22.5% | -294.9% | 241.4% | 240.7% | 242.3% | 147.3% | 138.7% | 195.6% | 189.0% |
| ROA | 5.3% | -178.2% | 85.6% | 93.6% | 110.0% | 68.8% | 66.4% | 96.0% | 95.0% |
| Cash Flow | |||||||||
| Op. Cash Flow | -16M | 43M | 431M | 772M | 898M | 879M | 1.0B | 1.3B | 1.3B |
| Free Cash Flow | -18M | 42M | 427M | 770M | 895M | 875M | 994M | 1.3B | 1.3B |
| Owner Earnings | -17M | -49M | 394M | 728M | 857M | 847M | 979M | 1.3B | 1.3B |
| CapEx | 1.1M | 1.3M | 3.7M | 2.2M | 3.9M | 4.0M | 12M | 21M | 21M |
| Maint. CapEx | 194K | 83K | 159K | 802K | 1.6M | 1.7M | 1.5M | 1.4M | 1.4M |
| Growth CapEx | 860K | 1.2M | 3.5M | 1.4M | 2.3M | 2.3M | 10M | 20M | 20M |
| D&A | 194K | 83K | 159K | 802K | 1.6M | 1.7M | 1.5M | 1.4M | 1.4M |
| CapEx/OCF | N/A | 3.0% | 0.9% | 0.3% | 0.4% | 0.5% | 1.2% | 1.6% | 1.6% |
| Capital Allocation | |||||||||
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 147M | 133M | 176M | 176M |
| Dividend Yield | N/A | N/A | N/A | N/A | N/A | 8.5% | 6.5% | 6.6% | 10.3% |
| Share Buybacks | 0 | 0 | 0 | 0 | 0 | 0 | 90M | 414M | 414M |
| Buyback Yield | N/A | N/A | N/A | N/A | N/A | N/A | 4.8% | 9.3% | 24.3% |
| Stock-Based Comp | N/A | 92M | 36M | 44M | 39M | 30M | 26M | 23M | 23M |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 51K | 51K |
| Balance Sheet | |||||||||
| Net Debt | N/A | N/A | -553M | -1.2B | -1.8B | -1.0B | -367M | -710M | -238M |
| Cash & Equiv. | 69M | 218M | 306M | 641M | 949M | 1.1B | 591M | 619M | 619M |
| Long-Term Debt | N/A | N/A | 29M | 27M | 62M | 22M | 113M | 191M | 191M |
| Debt/Equity | 3.22 | -6.22 | 0.39 | 0.26 | 0.33 | 0.11 | 0.52 | 0.83 | 0.83 |
| Interest Coverage | 87.0 | 23.9 | 10.0 | 7.5 | 8.4 | 3.6 | 3.1 | 4.4 | 4.4 |
| Equity | 109M | 97M | 150M | 211M | 370M | 405M | 437M | 461M | 461M |
| Total Assets | 460M | 161M | 424M | 542M | 816M | 868M | 912M | 917M | 917M |
| Total Liabilities | 351M | -606M | 273M | 331M | 444M | 450M | 465M | 449M | 449M |
| Intangibles | 39K | 128K | 509K | 494K | 770K | 697K | 1.9M | 1.6M | 1.6M |
| Retained Earnings | 21M | -65M | 300M | 600M | 1.5B | 1.9B | 2.3B | 2.9B | 2.9B |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||
| EPS | 0.31 | -3.53 | 3.00 | 4.12 | 6.95 | 4.62 | 4.59 | 7.15 | 7.15 |
| Owner EPS | -0.21 | -0.60 | 3.26 | 5.91 | 6.64 | 6.55 | 7.41 | 10.46 | 10.46 |
| Book Value | 1.36 | 1.20 | 1.24 | 1.71 | 2.87 | 3.13 | 3.31 | 3.78 | 3.78 |
| Cash Flow/Share | -0.21 | 0.53 | 3.56 | 6.27 | 6.96 | 6.79 | 7.62 | 10.66 | 7.16 |
| Dividends/Share | N/A | N/A | N/A | N/A | N/A | 1.13 | 1.01 | 1.44 | 1.44 |
| Shares Out. | 79.8M | 81.5M | 120.9M | 123.2M | 129.1M | 129.3M | 132.0M | 121.9M | 121.9M |
| Valuation | |||||||||
| P/E Ratio | N/A | N/A | 2.6 | 2.1 | 2.6 | 3.7 | 3.1 | 5.1 | 2.0 |
| P/FCF | N/A | 25.1 | 2.2 | 1.4 | 2.6 | 2.5 | 1.9 | 3.5 | 1.3 |
| EV/EBIT | N/A | N/A | 6.2 | N/A | 3.5 | 12.2 | 15.7 | 26.0 | 10.2 |
| Price/Book | N/A | 10.7 | 6.2 | 5.0 | 6.3 | 5.4 | 4.3 | 9.6 | 3.7 |
| Price/Sales | N/A | 1.6 | 0.9 | 0.5 | 1.0 | 0.7 | 0.9 | 1.1 | 0.7 |
| FCF Yield | N/A | 4.0% | 46.0% | 73.7% | 38.1% | 39.7% | 52.7% | 28.7% | 75.0% |
| Market Cap | N/A | 1.0B | 929M | 1.0B | 2.3B | 2.2B | 1.9B | 4.4B | 1.7B |
| Avg. Price | N/A | 13.04 | 10.35 | 8.71 | 19.98 | 13.35 | 15.52 | 21.69 | 13.99 |
| Year-End Price | N/A | 12.85 | 7.68 | 8.48 | 18.17 | 17.03 | 14.29 | 36.49 | 13.99 |
Qfin Holdings, Inc. passes 8 of 9 quality checks, indicating strong fundamentals.
Qfin Holdings, Inc. trades at 2.0x trailing earnings, compared to its 15-year median P/E of 2.9x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 1.3x vs a median of 2.5x. The company's 5-year average ROIC is 85.2% with a gross margin of 37.7%. Total shareholder yield (dividends + buybacks) is 34.6%. At current prices, the estimated annualized return to fair value is +24.0%.
Qfin Holdings, Inc. (QFIN) has a current P/E ratio of 2.0, compared to its historical median P/E of 2.9. The stock is currently considered Fair based on its historical valuation range.
Qfin Holdings, Inc. (QFIN) has a 5-year average return on invested capital (ROIC) of 85.2%. This indicates strong capital allocation and a potential competitive advantage.
Qfin Holdings, Inc. (QFIN) has a market capitalization of $1.7B. It is classified as a small-cap stock.
Yes, Qfin Holdings, Inc. (QFIN) pays a dividend with a trailing twelve-month yield of 10.30%. The company also returns capital through share buybacks, with a buyback yield of 24.25%.
Based on historical P/E analysis, Qfin Holdings, Inc. (QFIN) appears fair. The current P/E of 2.0 is 32% below its historical median of 2.9. The estimated fair value CAGR (P/E method) is 18.8%.
Qfin Holdings, Inc. (QFIN) operates in the Finance Services industry, within the Financials sector.
Qfin Holdings, Inc. (QFIN) reported annual revenue of $2.4 billion in its most recent fiscal year, based on SEC EDGAR filings.
Qfin Holdings, Inc. (QFIN) has a net profit margin of 36.5%. This is a strong margin indicating high profitability.
Qfin Holdings, Inc. (QFIN) generated $1.3 billion in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Qfin Holdings, Inc. (QFIN) has a debt-to-equity ratio of 0.83. This indicates moderate leverage.
Qfin Holdings, Inc. (QFIN) reported earnings per share (EPS) of $7.15 in its most recent fiscal year.
Qfin Holdings, Inc. (QFIN) has a return on equity (ROE) of 195.6%. This indicates the company generates strong returns for shareholders.
Qfin Holdings, Inc. (QFIN) has a 5-year average gross margin of 37.7%. This indicates decent pricing power.
The Ledger Terminal provides 8 years of financial data for Qfin Holdings, Inc. (QFIN), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Qfin Holdings, Inc. (QFIN) has a book value per share of $3.78, based on its most recent annual SEC filing.