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360 Finance Inc

QFIN | US

12.75

USD

-0.52

-3.92%

QFIN | US

About 360 Finance Inc

Sector

Financial Services

Industry

Credit Services

Earnings date

30/06/2024

As of date

23/04/2026

Close

12.75

Open

13.21

High

13.21

Low

12.60

Qifu Technology Inc. through its subsidiaries operates credit-tech platform under the 360 Jietiao brand in the People's Republic of China. It provides credit-driven services that matches borrowers with financial institutions to conduct customer acquisition initial and credit screening advanced risk assessment credit assessment fund matching and other post-facilitation services; and platform services including loan facilitation and post-facilitation services to financial institution partners under intelligence credit engine referral services and risk management software-as-a-service. The company also offers e-commerce loans enterprise loans and invoice loans to SME owners. 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. The company was founded in 2016 and is headquartered in Shanghai the People's Republic of China.

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QFIN | US

Risk
40.6
Sharpe
-1.46
Luna's Score
54/100
Recommendation
Hold

Luna says (QFIN | US)

What's Working

Good Dividend Yield (2% <= Dividend Yield <= 8%)

Low Market Beta (-0.4 to 0.8)

Value Stock (Price to Book < 3)

Strong Operating Margin (> 25%)

What's not Working

Price Below SMA10D

Smallcap (300M - 2B USD)

Weak Sharpe Ratio (< 0.3)

Volatility Signals

Bearish: Increased Volatility (6-month > 1-month volatility)

Risk Meter

10 days

33.4%

1 month

40.6%

3 months

42.9%

6 months

52.6%

Returns

Fundamental Ratios

PE

7.91

Fwd. PE

3.27

Price to book

1.63

Debt to equity

-

Debt to assets

-

Ent. to EBITDA

-

Ent. to rev.

2.68

PEG

-

Other Fundamentals

EBITDA

7.81B

MarketCap

1.99B

MarketCap(USD)

1.99B

Div. yield

3.68

Op. margin

42.59

Erngs. growth

34.30

Rev. growth

6.30

Ret. on equity

21.98

Short ratio

1.00

Short perc.

1.53

Market Sentiment (SMA and Price signals)

Short-term: Bullish (SMA10D > SMA1M)

Intermediate-term: Bearish (SMA1M < SMA3M)

Long-term: Bearish (SMA6M < SMA12M)

SMAs: Stock Price Trends

Range10D

1.84

Range1M

2.15

Range3M

4.79

Volumes: Market Activity

Rel. volume

0.91

Price X volume

13.49M

Peers

Name
Ticker
Industry
Close
Marketcap
Day Return
PE Ratio
Debt to Equity
 
 
 
 
 
 
 
 
LendingClub CorporationLCCredit Services17.321.94B-2.59%33.372.93%
Federal Agricultural Mortgage CorporationAGMCredit Services173.41.83B-0.06%11.481768.36%
EZCORP IncEZPWCredit Services31.731.74B4.41%9.6776.01%
Lufax Holding LtdLUCredit Services1.861.62B-1.59%n/a58.30%
Common StockFINVCredit Services4.721.23B-0.42%5.350.00%
Atlanticus Holdings CorporationATLCCredit Services76.221.12B1.67%8.88442.84%
OAKTREE SPECIALTY LENDING CORPORATION - COMMON STOCKOCSLCredit Services12.491.03B-2.35%18.89113.44%
Navient CorporationNAVICredit Services8.84967.18M-1.01%11.001923.98%
Barings BDC IncBBDCCredit Services8.73923.27M-1.80%9.19113.15%
World Acceptance CorporationWRLDCredit Services152.08890.37M1.73%8.93136.27%
  • 1

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Janus International Group Inc.JBIBuilding Products & Equipment5.37780.38M-2.01%11.62116.21%
Fox Factory Holding CorpFOXFRecreational Vehicles17.3721.12M0.41%42.0564.69%
HUYA IncHUYAMedia - Diversified3.1701.75M-3.43%n/a0.00%
Latham Group Inc.SWIMBuilding Products & Equipment6.02695.77M0.17%65.1877.00%
AMC Entertainment Holdings IncAMCMedia - Diversified1.67603.46M-2.34%n/a-511.14%
  • 1

Industry Comparison

ParameterCompanyIndustryIndicator
Enterprise to EBITDA---
Ent. to Revenue2.68-Cheaper
PE Ratio7.9118.44Cheaper
Price to Book1.633.87Cheaper
Dividend Yield3.68-Poor
Std. Deviation (3M)42.87-Par
Debt to Equity-6.69-
Debt to Assets-0.42-
Market Cap1.99B-Emerging
  • 1

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