360 DigiTech, Inc. (QFIN) AI Stock Analysis

360 DigiTech, Inc., founded in 2016 and based in Shanghai, operates a financial technology platform in China under the 360 Jietiao brand. Through its subsidiaries, the company provides credit-driven services matching borrowers with financial institution partners. These services allow partner institutions to improve customer acquisition, perform initial credit screenings, execute risk assessments, and manage collections. The platform incorporates an intelligence credit engine, referral services, and risk management software-as-a-service (SaaS) tools. In addition to consumer financing, 360 DigiTech provides tailored loan products for small and medium-sized enterprises, including e-commerce, enterprise, and invoice loans.

QFIN expanded revenue at a 5-year CAGR of 3.5% from FY2020 to FY2025. Annual revenue reached $17.17B in FY2024 before contracting 6.3% to $16.08B in FY2025. Operating margin rose to 45.9% in FY2025 from 43.9% in FY2024, while net income declined from $6.26B to $5.99B, delivering diluted EPS of $33.12. In the trailing twelve months ended June 30, 2026, revenue stood at $16.77B with an operating margin of 32.5% and a profit margin of 22.3%. However, performance decelerated in the latest quarter ended June 30, 2026, with quarterly revenue dropping 31.6% and quarterly earnings decreasing 74.3% year-over-year.

As of June 30, 2026, 360 DigiTech held $10.38B in cash and short-term investments against $2.95B in total debt, resulting in a net cash position of $7.43B. The company reported a current ratio of 5.47, shareholders' equity of $24.76B, and a debt-to-equity ratio of 0.12. During FY2025, operating cash flow reached $11.08B, supporting free cash flow of $10.84B and capital expenditures of $240.5M. Capital return in FY2025 included $4.85B spent on share buybacks, contributing to an 11.3% reduction in share count over 5 years, along with $1.38B in dividends paid.

With a market capitalization of $689.4M, QFIN trades at a trailing P/E of 1.4x and a forward P/E of 3.3x, compared to the median of its US-listed Financial Services peers of 12.1x and 10.8x, respectively. The company holds an enterprise value of -$2.53B, a price-to-book ratio of 0.3x, and a price-to-sales ratio of 0.0x versus the peer median price-to-sales of 3.2x. Over the past year, QFIN shares dropped 74.9%, underperforming the S&P 500 (SPY) return of 16.8%. Over a 5-year span, the stock fell 62.1% while SPY gained 83.0%.

360 DigiTech pays a semiannual dividend with an annual forward dividend of $1.24, representing a dividend yield of 21.87%. The company has paid dividends for 6 consecutive years and features a payout ratio of 4.7%. Its last ex-dividend date occurred on September 9, 2026.

Wall Street coverage includes 5 Strong Buy, 3 Buy, 3 Hold, 1 Sell, and 1 Strong Sell ratings. The mean price target of $14.84 implies upside of 161.7% from the last close of $5.67 on October 16, 2026. For the current fiscal year ending December 31, 2026, analysts expect revenue of $13.12B and EPS of $17.37, representing a 62.9% EPS drop. For the next fiscal year, consensus estimates forecast revenue of $11.99B and EPS of $19.27. QFIN beat EPS estimates in 1 of the last 4 quarters, and its next earnings date is November 17, 2026.

This page is an AI-written research summary of 360 DigiTech, Inc. (QFIN). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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