QFINN Stock Chart & Stats
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Bulls Say, Bears Say
Bulls Say
Platform Scale And NetworkA broad institutional network and large cumulative user base provide meaningful distribution scale for credit facilitation and risk services. This ecosystem can support recurring partner relationships, data-driven underwriting improvements, and durable operating leverage as the platform develops.
Rapid Technology Solutions GrowthRapid expansion in technology-enabled lending demonstrates progress toward a more capital-light and software-oriented business mix. Greater adoption of decisioning and risk tools could diversify revenue, deepen financial-institution relationships, and improve scalability over the medium term.
Conservative Balance Sheet And Cash GenerationLow leverage and positive operating cash generation give the company financial flexibility while it manages industry volatility. A conservatively financed balance sheet can support continued investment in technology and risk controls, while reducing dependence on external capital.
Bears Say
Revenue And Profit ContractionThe sharp decline in revenue and earnings indicates that weaker loan volumes, pricing, and deleveraging are materially affecting the operating model. Persistent contraction would reduce internal investment capacity and make prior profitability levels less durable over the next several quarters.
Funding And Credit-Risk PressureHigher funding costs and renewed deterioration in early-stage delinquency indicators pressure both loan economics and risk-adjusted returns. Elevated provisioning and more cautious partner behavior could constrain approvals, increase capital needs, and keep profitability volatile beyond the current quarter.
Regulatory Collection Constraints And Origination PullbackRegulatory pressure on collection practices is affecting recovery capacity and increasing collection costs across the industry. Combined with management's expected origination pullback, this could limit loan growth, weaken servicing efficiency, and prolong the revenue pressure caused by tighter risk standards.
Qifu Technology News
QFINN FAQ
What was Qifu Technology’s price range in the past 12 months?
Currently, no data Available
What is Qifu Technology’s market cap?
Qifu Technology’s market cap is $12.01B.
When is Qifu Technology’s upcoming earnings report date?
Qifu Technology’s upcoming earnings report date is Nov 18, 2026 which is in 17 days.
How were Qifu Technology’s earnings last quarter?
Qifu Technology released its earnings results on Aug 25, 2026. The company reported $9.251 earnings per share for the quarter, missing the consensus estimate of $20.221 by -$10.971.
Is Qifu Technology overvalued?
According to Wall Street analysts Qifu Technology’s price is currently Undervalued.
Does Qifu Technology pay dividends?
Qifu Technology does not currently pay dividends.
What is Qifu Technology’s EPS estimate?
Qifu Technology’s EPS estimate is 7.52.
How many shares outstanding does Qifu Technology have?
Currently, no data Available
What happened to Qifu Technology’s price movement after its last earnings report?
Qifu Technology reported an EPS of $9.251 in its last earnings report, missing expectations of $20.221. Following the earnings report the stock price went same N/A.
Which hedge fund is a major shareholder of Qifu Technology?
Currently, no hedge funds are holding shares in MX:QFINN
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Qifu Technology Stock Smart Score
Underperform
1
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3
4
5
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7
8
9
10
Analyst Consensus
Moderate Sell
Average Price Target:
$202.90 (― Upside)
$202.90 (― Upside)
Blogger Sentiment
Bullish
MX:QFINN Sentiment 71%
Sector Average 56%
Sector Average 56%
Insider Transactions
Sold Shares
Worth $91.2M over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bearish
Bullish news 0%
Bearish news 100%
Bearish news 100%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-72.90%
12-Months-Change
Fundamentals
Return on Equity
15.36%
Trailing 12-Months
Asset Growth
-6.17%
Trailing 12-Months
Learn more about TipRanks Smart Score
Company Description
Qifu Technology
Qifu Technology, Inc. (QFIN), known as 360 DigiTech, Inc. until its rebranding in March 2023, is a credit technology firm based in the People's Republic of China. Through its 360 Jietiao platform, the company facilitates credit-driven services by connecting borrowers with financial institutions. Its comprehensive offerings cover the entire lending lifecycle, including identifying and acquiring customers, performing initial and advanced credit screenings, conducting sophisticated risk assessments, evaluating creditworthiness, matching funds, and providing ongoing post-facilitation support. Additionally, Qifu Technology furnishes its financial partners with platform services, utilizing an intelligent credit engine, referral systems, and risk management software-as-a-service (SaaS) to streamline loan origination and subsequent management. The company specializes in various loan types, such as e-commerce, enterprise, and invoice loans, catering particularly to the needs of small and micro-enterprise owners. Serving a broad clientele that includes financial institutions, individual consumers, and SMEs, Qifu Technology was founded in 2016 and maintains its headquarters in Shanghai, China.
QFINN Company Deck
QFINN Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Negative
The call presents a mixed picture: Q2 showed operational resilience with improved short-term risk metrics, funding mix optimization (including a 90% sequential increase in ABS issuance), strong growth in the tech solutions business (loan volume +515% YoY) and continued AI and overseas progress. However, an industry liquidity shock in late June, escalating regulatory actions (particularly against collection practices), materially weaker revenue and profit (non-GAAP net profit down sharply year-over-year), elevated provisioning (new provision ratio at a historical high of 5.36%), a one-off tax expense (~RMB 500M) and renewed risk deterioration in August create significant near-term headwinds. Management is prioritizing risk control, cost discipline and capital preservation, and expects subdued origination and higher funding costs in H2. On balance, the near-term negatives (sizeable revenue/profit declines and renewed risk/funding pressure) outweigh the positive strategic progress and Q2 operational improvements.View all MX:QFINN earnings summariesQFINN Stock 12 Month Forecast
Average Price Target
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