QFIN - Finance

Qfin Holdings, Inc. (QFIN)

Financial Services | Credit Services | Shanghai, China | NasdaqGS

14.01 USD +14.01 (-0.849%) ⇧ (April 20, 2026, 4 p.m. EDT)

Short-term: ★☆☆☆☆ | Long-term: ★★★☆☆ | Dividends: ★★★★☆

Hot Take | April 19, 2026, 1:50 a.m. EDT

While the fundamental valuation is time-fractured (trading at 2x massive cash/low debt levels), the equity is a 'wait-and-see' play requiring patience. The massive disconnect between the near-term options flow (called up at $15) and the far-term put insurance (insured down at $20) signals a high-risk reversal trap. The dividend yield is artificially inflated (~11%) due to the recent EPS collapse; investors must bet the company can raise payouts without eroding the balance sheet further given the negative revenue growth. Long-term, it's a value trap potential; short-term, it's a range-bound gamble until earnings resolve the directional uncertainty.

Model Selection — Backtest MAE (log-scale, lower is better)
Model	MAE
AutoARIMA ✓	0.044348
AutoETS	0.113190
MSTL	0.116470
AutoTheta	0.123363

Forecast horizon: 45 days | Selected: AutoARIMA

Forecast Reliability
Score	39%
H-stat	5.35
Ljung-Box p	0.000
Jarque-Bera p	0.032
Excess Kurtosis	0.62

Attribute	Value
Sector	Financial Services
Ex Dividend Date	2026-04-21
Last Dividend Date	2025-09-07
Debt to Equity Ratio	18.234
Revenue per Share	144.13
Market Cap	1,845,197,312
Trailing P/E	2.17
Forward P/E	2.75
Beta	0.56
Profit Margins	31.19%
Website	https://www.qfin.com

As of April 19, 2026, 1:50 a.m. EDT: Options flow reveals a distinct bifurcation by expiration. Near-expiry calls (May/June) show heavy open interest concentrated at $15-$17.50 strikes, indicating a high-degree of spec bullish positioning in the next month (70% of exp volume is OTM calls). Conversely, deep-time puts (December) exhibit massive Open Interest (3.5k) at lower strikes ($15-$20), with volume skew heavily favoring the downside (328 vol vs 45 vol in OTM puts). This creates a 'straddle' environment where speculators are betting on a move in either direction by year-end, likely due to extreme earnings uncertainty. IV is significantly elevated for puts (>1.18 ATM) compared to calls (~0.45-0.50 ATM), suggesting deep fear or hedging on the downside for the medium term, despite the near-term call writing.

Dividend Data

Yield Summary

Last Yield	1yr Yield	3yr Avg	5yr Avg
2.70%	4.54%	4.58%	—

Dividend History

Date	Dividend	Yield %
2025-09-08	0.76	2.703664
2025-04-23	0.70	1.833231
2024-09-27	0.60	2.122607
2024-04-12	0.58	3.344172
2023-09-21	0.50	3.724317
2023-04-10	0.16	0.956119
2022-12-09	0.16	1.023352
2022-09-15	0.18	1.464484
2022-06-16	0.22	1.708430
2022-04-05	0.26	2.030758
2021-12-14	0.28	1.622903

Additional Data

dividendRate	1.54
dividendYield	10.99
exDividendDate	2026-04-22
trailingAnnualDividendRate	9.792
trailingAnnualDividendYield	0.69299364
lastDividendValue	0.76
lastDividendDate	2025-09-08
dividendDate	2026-05-14

Info Dump

Attribute	Value
52 Week Change	-0.6306354
Address1	Lujiazui Finance Plaza
Address2	7/F No. 1217 Dongfang Road Pudong New Area
All Time High	48.94
All Time Low	6.37
Ask	17.86
Ask Size	2
Average Analyst Rating	1.4 - Strong Buy
Average Daily Volume10 Day	1,193,280
Average Daily Volume3 Month	1,557,324
Average Volume	1,557,324
Average Volume10Days	1,193,280
Beta	0.562
Bid	10.11
Bid Size	2
Book Value	29.010227
City	Shanghai
Country	China
Crypto Tradeable	0
Currency	USD
Current Price	14.01
Current Ratio	2.43
Custom Price Alert Confidence	HIGH
Date Short Interest	1,774,915,200
Day High	14.25
Day Low	13.81
Debt To Equity	18.234
Display Name	Qfin
Dividend Date	1,778,716,800
Dividend Rate	1.54
Dividend Yield	10.99
Earnings Call Timestamp End	1,773,793,800
Earnings Call Timestamp Start	1,773,793,800
Earnings Growth	-0.409
Earnings Quarterly Growth	-0.468
Earnings Timestamp	1,773,777,600
Earnings Timestamp End	1,779,134,400
Earnings Timestamp Start	1,779,134,400
Ebitda	8,421,054,976
Ebitda Margins	0.43848
Enterprise To Ebitda	0.037
Enterprise To Revenue	0.016
Enterprise Value	313,824,832
Eps Current Year	28.80243
Eps Forward	5.085383
Eps Trailing Twelve Months	6.46
Esg Populated	0
Ex Dividend Date	1,776,816,000
Exchange	NMS
Exchange Data Delayed By	0
Exchange Timezone Name	America/New_York
Exchange Timezone Short Name	EDT
Fifty Day Average	14.2214
Fifty Day Average Change	-0.21140003
Fifty Day Average Change Percent	-0.014864923
Fifty Two Week Change Percent	-63.063538
Fifty Two Week High	47.0
Fifty Two Week High Change	-32.989998
Fifty Two Week High Change Percent	-0.70191485
Fifty Two Week Low	12.29
Fifty Two Week Low Change	1.7200003
Fifty Two Week Low Change Percent	0.1399512
Fifty Two Week Range	12.29 - 47.0
Financial Currency	CNY
First Trade Date Milliseconds	1,544,797,800,000
Float Shares	182,711,878
Forward Eps	5.085383
Forward P E	2.7549548
Free Cashflow	659,212,608
Full Exchange Name	NasdaqGS
Gmt Off Set Milliseconds	-14,400,000
Gross Margins	0.61412
Gross Profits	11,794,219,008
Has Pre Post Market Data	1
Held Percent Insiders	0.025729999
Held Percent Institutions	0.67019
Implied Shares Outstanding	131,705,726
Industry	Credit Services
Industry Disp	Credit Services
Industry Key	credit-services
Is Earnings Date Estimate	1
Language	en-US
Last Dividend Date	1,757,289,600
Last Dividend Value	0.76
Last Fiscal Year End	1,767,139,200
Long Business Summary	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 facilitation and post-facilitation services to financial institution partners under an 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.
Long Name	Qfin Holdings, Inc.
Market	us_market
Market Cap	1,845,197,312
Market State	PRE
Max Age	86,400
Message Board Id	finmb_589165687
Most Recent Quarter	1,767,139,200
Net Income To Common	5,989,690,880
Next Fiscal Year End	1,798,675,200
Non Diluted Market Cap	1,743,360,435
Number Of Analyst Opinions	12
Open	14.04
Operating Cashflow	11,083,748,352
Operating Margins	0.29444999
Payout Ratio	0.2385
Phone	86 21 5835 7668
Pre Market Change	0.14999962
Pre Market Change Percent	1.0706611
Pre Market Price	14.16
Pre Market Time	1,776,769,200
Previous Close	14.13
Price Eps Current Year	0.48641732
Price Hint	2
Price To Book	0.48293313
Price To Sales Trailing12 Months	0.096078716
Profit Margins	0.31188
Quick Ratio	0.417
Quote Source Name	Nasdaq Real Time Price
Quote Type	EQUITY
Recommendation Key	strong_buy
Recommendation Mean	1.41667
Region	US
Regular Market Change	14.01
Regular Market Change Percent	-0.849256
Regular Market Day High	14.25
Regular Market Day Low	13.81
Regular Market Day Range	13.81 - 14.25
Regular Market Open	14.04
Regular Market Previous Close	14.13
Regular Market Price	14.01
Regular Market Time	1,776,715,200
Regular Market Volume	1,561,646
Return On Assets	0.09928001
Return On Equity	0.24691
Revenue Growth	-0.087
Revenue Per Share	144.13
Sand P52 Week Change	0.34445214
Sector	Financial Services
Sector Disp	Financial Services
Sector Key	financial-services
Shares Outstanding	121,911,950
Shares Percent Shares Out	0.0186
Shares Short	2,268,938
Shares Short Previous Month Date	1,772,150,400
Shares Short Prior Month	3,594,662
Short Name	Qfin Holdings, Inc.
Short Percent Of Float	0.0232
Short Ratio	1.48
Source Interval	15
Symbol	QFIN
Target High Price	32.272343
Target Low Price	14.147762
Target Mean Price	23.572292
Target Median Price	24.347397
Total Cash	7,549,070,848
Total Cash Per Share	30.961
Total Debt	4,404,794,880
Total Revenue	19,205,058,560
Tradeable	0
Trailing Annual Dividend Rate	9.792
Trailing Annual Dividend Yield	0.69299364
Trailing Eps	6.46
Trailing P E	2.1687307
Trailing Peg Ratio	None
Triggerable	1
Two Hundred Day Average	23.21155
Two Hundred Day Average Change	-9.20155
Two Hundred Day Average Change Percent	-0.39642116
Type Disp	Equity
Volume	1,561,646
Website	https://www.qfin.com
Zip	200,122