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360 Finance Inc

QFIN | US

16.56

USD

-0.35

-2.07%

QFIN | US
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About 360 Finance Inc

Sector

Financial Services

Industry

Credit Services

Earnings date

30/06/2024

As of date

02/06/2026

Close

16.56

Open

17.20

High

17.20

Low

16.39

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
104.9
Sharpe
-1.12
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

Weakness based on declining price with high volume

High Short-term Volatility

Midcap (2B - 10B USD)

Weak Sharpe Ratio (< 0.3)

Volatility Signals

Bullish: Stable Volatility (6-month <= 1-month volatility) is positive for the stock performance.

Risk Meter

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10 days

139.6%

1 month

104.9%

3 months

70.1%

6 months

55.7%

Returns

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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

2.58B

MarketCap(USD)

2.58B

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: Bullish (SMA1M > SMA3M)

Long-term: Bearish (SMA6M < SMA12M)

SMAs: Stock Price Trends

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Range10D

5.94

Range1M

5.94

Range3M

5.94

Volumes: Market Activity

Volume Averages

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Rel. volume

1.14

Price X volume

34.36M

Peers

Name
Ticker
Industry
Close
Marketcap
Day Return
PE Ratio
Debt to Equity
 
 
 
 
 
 
 
 
The Western Union CompanyWUCredit Services7.972.69B-2.21%7.27597.96%
Brighthouse Financial IncBHFAPInsurance-Life15.162.51B-1.04%1.9876.19%
LendingClub CorporationLCCredit Services17.51.96B-4.84%33.372.93%
Federal Agricultural Mortgage CorporationAGMCredit Services181.051.91B1.51%11.481768.36%
EZCORP IncEZPWCredit Services31.061.70B0.32%9.6776.01%
Lufax Holding LtdLUCredit Services1.621.41B-2.41%n/a58.30%
Common StockFINVCredit Services5.161.34B-3.01%5.350.00%
Atlanticus Holdings CorporationATLCCredit Services83.181.23B0.69%8.88442.84%
OAKTREE SPECIALTY LENDING CORPORATION - COMMON STOCKOCSLCredit Services12.171.00B0.83%18.89113.44%
World Acceptance CorporationWRLDCredit Services165.58969.40M-1.27%8.93136.27%
  • 1

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IMAX CorporationIMAXMedia - Diversified40.52.13B0.02%54.26110.44%
Lincoln Educational Services CorporationLINCBuilding Products & Equipment49.061.54B-0.67%51.6088.92%
HNI CorporationHNIBuilding Products & Equipment30.751.45B-1.09%22.1276.47%
ARLO TECHNOLOGIES INCARLOBuilding Products & Equipment13.371.34B-2.83%n/a19.46%
Winnebago Industries IncWGORecreational Vehicles29.28847.80M0.83%22.5356.33%
Fox Factory Holding CorpFOXFRecreational Vehicles18.04751.96M1.41%42.0564.69%
AMC Entertainment Holdings IncAMCMedia - Diversified2.07748.00M-2.36%n/a-511.14%
Janus International Group Inc.JBIBuilding Products & Equipment5.12744.05M-2.48%11.62116.21%
  • 1

Industry Comparison

ParameterCompanyIndustryIndicator
Enterprise to EBITDA-13.23-
Ent. to Revenue2.6811.29Cheaper
PE Ratio7.9118.44Cheaper
Price to Book1.633.87Cheaper
Dividend Yield3.684.90Poor
Std. Deviation (3M)70.0845.36Riskier
Debt to Equity-6.69-
Debt to Assets-0.42-
Market Cap2.58B23.69BEmerging
  • 1

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