Qfin Holdings, Inc. — Credit Services. Scored on the same transparent 7-signal model behind the daily rankings.
★
QFIN
Qfin Holdings, Inc. · Credit Services
FCF$1.5bC+
Rev+14.6%B+
D/E0.12A-
P/E2.6xA
PEG0.18A
—Bank · REIT
$14.88$1.8B
1Y Target$21.83Analyst consensus · 13 analysts
5Y Target$27.56Compound horizon
10Y Target$35.34Long-dated conviction
FCF$1.5bTTM · 03/26C+
FCF $1.5b — respectable but not differentiating · TTM computed from 4 most-recent quarters (TTM · 03/26).
Rev+14.6%FY YoYB+
Revenue +14.6% — above sector median, healthy trajectory · Computed from last two annual revenue figures (FY YoY).
D/E0.12A-
D/E 0.12 — less debt than most Financial Services peers (≈25th pctile)
P/E2.6xA
P/E 2.6 — cheapest decile in Financial Services (≈10th pctile)
PEG0.18proxyA
PEG 0.18 — exceptional; paying well under fair value for growth · PEG proxy: P/E ÷ revenue growth % (true PEG requires forward EPS estimates, not in Finnhub free tier).
Forward price target — the 1-year figure is the analyst consensus where the stock is covered; the 5- and 10-year figures compound our earnings estimate from there. The DCF below is a separate cross-check on intrinsic value (what it's worth today), not another target.
Entry · Margin of safety
52-week rangeNear 52-week low
66% off the 12-month high
vs DCF fair value95% belowest. fair value ~$309
Why now
Credit Services · market cap $1.8b. Down 66% from 52-week high of $44.21 — deep drawdown territory. Revenue growing +15%, comfortably above the S&P median. PEG 0.18 — paying under fair value for the growth rate. 13 sell-side analysts publish a mean 1-yr target of $21.83 (implying +47% upside).
Moat
Net margin 28% sits well above the S&P median (~11%) — suggests structural pricing advantage or cost discipline competitors can't quickly close. ROE 21% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. FCF converts 200% of net income — earnings translate cleanly into cash, a sign that working capital and capex are well-disciplined.
Risk
Down 66% from the 52-week high — the market is pricing in something the screen can't see; verify the bear case before sizing up. Regulatory capital risk — stricter capital requirements (CCAR, Basel) can force a dividend cut or a capital raise; the largest banks are most exposed because they're held to the tightest standards.
Horizon
1-3 yr $21.83 (13-analyst consensus) — multiple re-rating thesis requires a catalyst. 5 yr $27.56 at ~13% CAGR — dividend + buyback compounding. 10 yr $35.34 if the moat survives secular pressure.
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.
Position sizing · QFIN
$
%
%
Shares to buy
134
Position size
$1,994
4.0% of portfolio
Stop price
$11.16
25% below $14.88
$ at risk if stopped
$498.48
budget $500.00 · 1% of portfolio
Math only — share count is floor(portfolio × risk% ÷ (price × stop%)). Doesn't account for commissions, slippage, gap risk, or position-correlation across your book. Inputs persist locally; never sent to the server. Not investment advice.
Qfin Holdings, Inc. (QFIN): score, valuation & FAQ
Qfin Holdings, Inc. (QFIN) is a Credit Services company. As a bank, insurer or REIT it runs on a different financial model from the rest of the market, so Bull Rankings grades it on a sector-appropriate card — price-to-book, dividend yield, payout ratio and cash-flow coverage — rather than the 0–100 quality-growth score used elsewhere. The read below is a transparent screen, not a buy recommendation.
Its strongest graded signals are P/E (A), PEG (A) and D/E (A-). On valuation, QFIN sits about 95% below our discounted-cash-flow fair value (a margin of safety).
Is QFIN a good stock to buy?
Bull Rankings grades QFIN on a sector-appropriate card — price-to-book, dividend yield, payout and cash-flow coverage — rather than a single quality-growth score. That is driven by P/E (A), PEG (A) and D/E (A-). A score is a quantitative screen of Qfin Holdings, Inc.'s fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.
How does Bull Rankings grade QFIN?
As a bank, insurer or REIT, QFIN isn't given a quality-growth score — signals like free cash flow, debt-to-equity and P/E don't translate cleanly to a balance-sheet business. Instead it's graded on a sector-appropriate card: price-to-book, dividend yield, payout ratio and operating-cash-flow coverage, where it rates strongest on P/E (A), PEG (A) and D/E (A-).
Is QFIN overvalued or undervalued?
Based on $14.88, QFIN sits about 95% below our discounted-cash-flow fair value (a margin of safety). It trades at a 2.6x× P/E (graded A). Discounted-cash-flow estimates are sensitive to growth and discount-rate assumptions, so treat this as a cross-check, not a price target.
What are the main risks of investing in QFIN?
Down 66% from the 52-week high — the market is pricing in something the screen can't see; verify the bear case before sizing up. Regulatory capital risk — stricter capital requirements (CCAR, Basel) can force a dividend cut or a capital raise; the largest banks are most exposed because they're held to the tightest standards.
Bull Rankings is an automated fundamentals screen for research and education. It is not investment advice, and nothing here is a recommendation to buy or sell any security. Do your own research and consider consulting a licensed financial adviser.