Qfin Holdings, Inc. · Finance Services

QFIN

Low riskNext report: Not enough history

View price ↗

The short version

A high-quality, profitable business with growing sales.

Going well

Profitable every year for 8 years
Sales up 17% last year
Brings in more cash than it spends

Money moves

Insiders sold $3K in the last 30 days
Institutions added 3% to their holdings in the quarter ending June 2026 (70 bought, 107 sold)

Facts from SEC filings, not a recommendation.

What the price means

Price as of Oct 26

$5.58+6.1% that day

Company value: $1.4B; Share price times all shares
Price vs profit (P/E): 1.6x; You pay about $2 for each $1 of yearly profit
Price vs sales: 0.50x; Company value is 0.50 times a year of sales
Cash vs value: 76%; A big cushion: cash is a large part of what the company is worth

From QFIN's last IEX trade and its SEC filings (profits and sales over the last four quarters). A starting point for research, not a verdict.

What the price assumes

Your guesses, our math

Move the sliders to your own view of QFIN. Starting points are the company's recent numbers.

Sales growth+6% a yearRecently: +5.7% a yearProfit margin31%Last 12 months: 31.1%P/E at the end8xToday: 1.6x. Many steady companies trade at 12x to 25xShare count change-5% a yearBelow zero means buybacks; above zero means new shares (dilution)

Sales in 5 years$3.7B

Profit in 5 years$1.1B

Price these guesses point to$48.31+766% vs $5.58 todayAbout +54% a year, before dividends

What today's price needs: with a 31% margin and a 8x P/E, sales could shrink about 31% a year for 5 years and still match today's price.

Simple math on your guesses, not a forecast or a price target. Real results depend on many things these sliders leave out.

Price

Price chart by TradingView.

Business quality

The checklist Warren Buffett-style investors use. Annual numbers for 2025.

5/5Strong

PassReturn on equity 15%+Earns a lot on the money owners have in the business.25.3%
PassNet margin 10%+Keeps at least 10 cents of profit from each dollar of sales.31.1%
PassProfitable every yearSteady profits, not one good year.8 of 8 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$1.6B
PassShare count not growingNot diluting owners. Falling means buybacks.-15.5% in 3 years

Revenue: $2.7B; +16.8% vs prior year
5-year growth: +5.7%/yr; revenue, per year
Free cash flow: $1.6B; 57.7% of revenue

From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. Not in this company's SEC data, so not scored: debt under half of equity. A checklist is a starting point for research, not a verdict.

Latest quarter

Quarter ended Dec 31, 2022

Revenue: $622.2M
EPS: $0.43
Op. margin: 24.5%
Gross margin: 85.1%
Free cash flow: $276.0M

Some values are worked out from year-to-date totals in the annual report.

Insider rating

Last 90 days

22Selling

1 insider sold $4.9M (not pre-planned)
An insider sold their entire stake

50 is neutral. Buying by more insiders, top executives and bigger stakes raises it. Selling lowers it; pre-planned sales count less.

Weekly insider trend

13 weeks agoBoughtSoldThis week

Filing buzz

Last 7 days vs normal

0/ 100

This week: 0
Normal week: 0.7
vs normal: 0.0x

SEC filings of any kind. 50 means a normal week.

Institutional ownership

Steady+3.0%

Institutions added 3.0% to their holdings. 70 bought, 107 sold.

Shares held by institutions75.1M

Sep '24Jun '26

Safety check

From SEC filings

Share count growthYearly rate, last 3 years

-8.9%

Cash runwayAt last year's cash burn

Cash flow positive

Debt to equityLatest balance sheet: debt compared with what owners have

Total liabilities $4.7B

Shares outstandingLatest reported

244M

Earnings reports

Last 0

Next reportNot enough history

Flags and big holders

Offerings 6 months, flags 12 months, holders 90 days

5%+ holder update (passive)Aug 10 · View filing ↗Big holder

Insider trades

Open-market buys and sells, last 90 days

Bought$00 insiders

Sold$4.9M1 insider, 0 pre-planned

Insider	Trade	Shares	Avg price	Value	Owns after	Date
Andrew Y YanDirector	Sell	850	$3.54	$3K	0	Sep 29Filing ↗
Sold entire stake Held via Morning Star Resources Ltd Not a pre-planned sale Filed same day
Andrew Y YanDirector	Sell	657K	$7.44	$4.9M	0	Sep 25Filing ↗
Sold entire stake $7.36 to $7.52 across 2 trades Traded Sep 24 to Sep 25 Held via Morning Star Resources Ltd Not a pre-planned sale Filed 3 days after