Stocktoria
Qfin Holdings, Inc. QFIN
Qfin Holdings, Inc. (QFIN) earns a Piotroski F-score of 2/9 (weak financial health), with an Altman Z″ in the safe zone. It does not currently pay a dividend.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 2/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″ components · safe zone
| Component | Value |
|---|---|
| Working capital / assets | 0.511 |
| Retained earnings / assets | 0.43 |
| EBIT / assets | 0.117 |
| Equity / liabilities | 0.737 |
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| QFIN | Qfin Holdings, Inc. | 2/9 | 6.32 | — | +16.8% |
| CRCL | Circle Internet Group, Inc. | 3/9 | 0.19 | — | +63.9% |
| BKKT | Bakkt, Inc. | 2/9 | — | — | -32.1% |
| CHYM | Chime Financial, Inc. | 4/9 | -1.97 | — | +30.7% |
| GDOT | GREEN DOT CORP | 3/9 | -2.07 | — | +20.7% |
| PGY | Pagaya Technologies Ltd. | 5/9 | — | 16.2 | +26.1% |
| WD | Walker & Dunlop, Inc. | 1/9 | — | 31.6 | +9% |
All Finance, Insurance & Real Estate companies →
About Qfin Holdings, Inc.
Qfin Holdings, Inc., together with its subsidiaries, operate AI- driven credit-tech platform under the Qifu Jietiao brand in the People's Republic of China. The company provides credit-driven services that match borrowers with financial institutions to conduct borrower acquisition, credit assessment, fund matching, and post-facilitation services; and platform services, including loan and post-facilitation services to financial institution partners under capital light model, intelligence credit engine, referral services, and other technology solutions. It serves financial institutions, consumers, and small and micro-enterprises. The company was formerly known as Qifu Technology, Inc. and changed its name to Qfin Holdings, Inc. in July 2025. Qfin Holdings, Inc. was founded in 2016 and is headquartered in Shanghai, the People's Republic of China.
FAQ
Is QFIN financially healthy?
Qfin Holdings, Inc.'s Piotroski F-score is 2/9 (8–9 is excellent, 0–3 weak), and its Altman Z″ distress score is in the safe zone.
Does QFIN pay a dividend?
No, Qfin Holdings, Inc. does not currently pay a dividend.
Is QFIN overvalued or undervalued?
Qfin Holdings, Inc. trades at about 4.0× trailing earnings — below its 10-year norm (10-year range 4.9×–14.1×, median 7.8×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for QFIN?
The average Wall-Street price target for Qfin Holdings, Inc. is $21.85, about 73.8% above the recent price, from 13 analysts.
Is QFIN a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Qfin Holdings, Inc.: a Piotroski F-score of 2/9, an Altman Z″ in the safe zone. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.