Stocktoria

Qfin Holdings, Inc. QFIN

Nasdaq · stock · Finance Services · website · IPO 2018-12-14

Qfin Holdings, Inc. statistics & valuation

Profitability & efficiency

Gross margin (%)
201720182019202020212022202320242025
Operating margin (%)
26.70% 37.00% 31.40% 27.90% 40.80% 27.00% 29.80% 43.90% 34.80% 201720182019202020212022202320242025
Return on equity (%)
22.50% 3.90% 201720182019202020212022202320242025
Shares outstanding
198.3M 287.7M 300.9M 306.7M 321.4M 322.8M 328.5M 303.4M 272.2M 201720182019202020212022202320242025
Net debt ($)
-$1.02B -$497.8M -$362.5M 201720182019202020212022202320242025
Share buybacks ($)
201720182019202020212022202320242025
Return on assets (%)
5.30% 16.20% 201720182019202020212022202320242025
Free cash flow margin (%)
201720182019202020212022202320242025
Debt / equity (×)
0.01× 0.03× 0.07× 201720182019202020212022202320242025
EPS ($)
$0.83 -$1.37 $1.19 $1.75 $2.82 $1.81 $1.84 $2.83 $3.15 201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

Qfin Holdings, Inc. trades at about 4× earnings — below its 10-year norm (10-year range 4.9×–14.1×, median 7.8×).

4× 14.1×

Shaded band = 10-year range (4.9×–14.1×); dot = today's 4×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017
Operating margin34.8%43.9%29.8%27.0%40.8%27.9%31.4%37.0%26.7%
Net margin———————26.8%20.9%
Return on assets———————16.2%5.3%
Return on equity———————3.9%22.5%
Debt / equity—0.07×0.03×0.01×—————
Current ratio2.432.452.002.041.961.632.022.541.28

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.