360 Finance Inc (QFIN) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
360 Finance Inc stock (QFIN) is currently trading at $13.12. 360 Finance Inc PE ratio is 1.86. 360 Finance Inc PS ratio (Price-to-Sales) is 0.10. Analyst consensus price target for QFIN is $24.17. WallStSmart rates QFIN as Hold.
- QFIN PE ratio analysis and historical PE chart
- QFIN PS ratio (Price-to-Sales) history and trend
- QFIN intrinsic value — DCF, Graham Number, EPV models
- QFIN stock price prediction 2025 2026 2027 2028 2029 2030
- QFIN fair value vs current price
- QFIN insider transactions and insider buying
- Is QFIN undervalued or overvalued?
- 360 Finance Inc financial analysis — revenue, earnings, cash flow
- QFIN Piotroski F-Score and Altman Z-Score
- QFIN analyst price target and Smart Rating
360 Finance Inc
📊 No data available
Try selecting a different time range
QFIN Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · 360 Finance Inc (QFIN)
QFIN trades at a significant discount to its Graham intrinsic value of $48.55, offering a 68% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
360 Finance Inc (QFIN) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in return on equity, operating margin, price/sales. Concerns around revenue growth and eps growth. Fundamentals are solid but monitor weak areas for improvement.
360 Finance Inc (QFIN) Key Strengths (6)
Paying less than $1 for every $1 of annual revenue
Trading below book value, meaning the market prices it less than net assets
Keeps $31 of every $100 in revenue as net profit
Every $100 of equity generates $25 in profit
Strong operational efficiency: $29 kept per $100 revenue
67.44% held by institutions, strong professional interest
Supporting Valuation Data
360 Finance Inc (QFIN) Areas to Watch (3)
Revenue declining -8.70%, a shrinking business
Earnings declining -40.90%, profits shrinking
Small-cap company with higher risk but more growth potential
360 Finance Inc (QFIN) Detailed Analysis Report
Overall Assessment
This company scores 62/100 in our Smart Analysis, earning a C+ grade. Out of 9 metrics analyzed, 6 register as strengths (avg 9.2/10) while 3 fall into concern territory (avg 1.7/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Price/Sales, Price/Book, Profit Margin. Valuation metrics including Price/Sales (0.10), Price/Book (0.49) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 24.70%, Operating Margin at 29.40%, Profit Margin at 31.20%.
The Bear Case
The primary concerns are Revenue Growth, EPS Growth, Market Cap. Growth concerns include Revenue Growth at -8.70%, EPS Growth at -40.90%, which may limit upside.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 24.70% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at -8.70% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Price/Sales, Price/Book) and negatives (Revenue Growth, EPS Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
QFIN Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
QFIN's Price-to-Sales ratio of 0.10x trades at a deep discount to its historical average of 0.24x (1th percentile). The current valuation is 97% below its historical high of 3.13x set in Dec 2018, and 20% above its historical low of 0.08x in Oct 2022. Over the past 12 months, the PS ratio has compressed from ~0.3x as trailing revenue scaled faster than the stock price.
WallStSmart Analysis Synopsis
Data-driven financial summary for 360 Finance Inc (QFIN) · FINANCIAL SERVICES › CREDIT SERVICES
The Big Picture
360 Finance Inc faces headwinds with declining revenue, though profitability provides a cushion. Revenue reached 19.2B with 9% decline year-over-year. Profit margins are strong at 31.2%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 2470.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 31.2% and operating margin of 29.4% demonstrate strong pricing power and operational efficiency.
Revenue contracted 9% YoY. Worth determining whether this is cyclical or structural.
What to Watch Next
Dividend sustainability with a current yield of 11.6%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor CREDIT SERVICES industry trends, competitive moves, and regulatory changes that could impact 360 Finance Inc.
Bottom Line
360 Finance Inc faces challenges with declining revenue. While profitability provides a buffer, the long-term trajectory needs to improve. Watch for management's strategic response and whether the company can stabilize or pivot to new growth drivers.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
Data sourced from SEC Form 4 filings
Last updated: 8:23:47 AM
About 360 Finance Inc(QFIN)
NASDAQ
FINANCIAL SERVICES
CREDIT SERVICES
China
360 DigiTech, Inc., operates a digital consumer finance platform under the 360 Jietiao brand in the People's Republic of China. The company is headquartered in Shanghai, the People's Republic of China.