# Qfin Holdings Inc. American (QFIN) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Consumer Finance. Price $9.06, market value $1.1 billion.

## Valuation
- **P/E (trailing): 2.1×** (5-yr avg 8.2×, 3-yr avg 8.5×). Qfin Holdings Inc. American trades at 2.1× trailing earnings, well below its own five-year average of 8.2×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 2.7×, higher than trailing, so analysts expect earnings to fall.
- **PEG: 0.24**. A PEG of 0.24 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 0.1×**. Each dollar of revenue is priced at 0.1×, a low multiple typical of thin-margin businesses or out-of-favour stocks.
- **Price / book: 0.3×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **Free-cash-flow yield: 780.5%** (5-yr avg 19.4%). Free cash flow equals 780.5% of the market value, above its five-year average of 19.4%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 48.1%**. The inverse of the P/E: 48.1% of the price is earned each year.

## Profitability
- **Net margin: 31.1%**. 31.1% of each dollar of sales reaches the bottom line.
- **Return on equity: 24.8%**. 24.8% on shareholders' equity is excellent if it is not driven by leverage; sustained above 20% usually signals a competitive advantage.
- **Return on assets: 46.0%**. Each dollar of assets produces 46.0% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 16.8%** (3-yr 4.6%/yr, 5-yr 5.7%/yr). Revenue grew 16.8% over the last year, against 5.7% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): 11.3%** (3-yr 20.3%/yr, 5-yr 12.5%/yr). Earnings per share rose 11.3%, slower than revenue, so margins compressed.
- **Free-cash-flow growth (3 yr): 22.0%/yr**. Free cash flow has compounded at 22.0% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 13.69%** ($1.24 per share, trailing). Qfin Holdings Inc. American yields 13.69%, high enough to check carefully: yields this high often precede a cut.
- **Consecutive years of increases: 2**. 2 straight years of increases.

## Analyst view
- **Analyst consensus: buy** (13 analysts). 13 analysts cover Qfin Holdings Inc. American; the consensus is buy, with an average price target of $15.05 (+66% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): -65.9%** (YTD -50.2%, 3-mo -37.6%). The shares are down 65.9% over twelve months including dividends.
- **From 52-week high: -72.3%** (8.5% above the low). Trading 72% below its 52-week high, deep in a drawdown.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 29**. An RSI of 29 is oversold; bounces are common, but oversold can stay oversold in a real decline.
- **Beta (1 yr): 1.13** (volatility 59%). Beta of 1.13 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=QFIN · Page: https://foliofundamentals.com/stocks/qfin

Not investment advice.