What is QFIN's P/E ratio?

360 FINANCE INC (QFIN) currently trades at a P/E ratio of 0.33.

360 FINANCE INC reports a Return on Equity (ROE) of 20.80%.

What is QFIN's dividend yield?

360 FINANCE INC offers a dividend yield of 11.18%.

What is QFIN's Quality Score?

Our AI rates QFIN's overall financial quality at 54 out of 100, based on profitability, growth, debt and earnings stability.

Is now a good time to buy QFIN?

Our AI Timing Score for QFIN is 27 out of 100, indicating the relative attractiveness of buying at the current price using technical and momentum signals.

Which sector does QFIN belong to?

360 FINANCE INC is classified under the Financial Services >> Credit Services sector on the NASDAQ exchange

QFIN (NASDAQ) Stock Analysis | 360 FINANCE INC

Stock Check Daily update data at 8:30 AM
(Price: 2026-07-31 | FS: 2026-03-31)

QFIN AI Analysis Summary

Our AI summary for QFIN: 360 FINANCE INC (NASDAQ), Financial Services >> Credit Services sector. The stock currently trades at a P/E of 0.33, ROE of 20.80%, a dividend yield of 11.18%. Its financial Quality Score stands at 54/100 — mid-range fundamentals relative to the market. The AI Timing Score is 27/100 — most technical signals do not support an entry at this point. All scores are recomputed automatically after each market close from official exchange data. This is systematically generated analysis, not personalized investment advice.

QFIN

360 FINANCE INC

USD 13.88

0.03 (0.22%) Day Change

Watchlist Portfolio Compare Chart

0.33

P/E

0.09

D/E

20.8%

ROE

9.3%

ROA

11.18%

Div Yield

0.01

PEG

360 FINANCE INC
TYPE: STOCK
MARKET: NASDAQ

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USD 13.88 Price 0.03 (0.22%) Day Change	NEWS SCORE: 75

QFIN, the overall quality is not quite good ( Quality = 54) and the timing to buy is ...(Sign In to See)...

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54 QUALITY

Signal: UNDERPERFORM

Signal Description: Company financial health is Not Good

Reason: Acceleration of ROE growth rate is below our criteria.
ROE is decreasing significantly
ROA is too relatively low compare to ROE
Acceleration of ROA growth rate is below our criteria.
Growth of ROA was below our criteria in the last year.
Acceleration of net profit margin growth rate is below our criteria

88 Sign in

TIMING

Signal: OUTPERFORM

Signal Descri...: Good

Reason: Momentum indicators aligned on the daily timeframe

Unlock timing signals and detailed reasons

In details, quality factors are not quite good , financial health is not quite good , and ability to make profit is very good , ...

Quality Factors

57%

In Recommendations?	Not in any sections
Select Rate	0.00 From 30 days period
Watch Rate	0.00 From 30 days period
News Score	75
Magic Formula Rank by ROA	115
Magic Formula Rank by ROE	115
Magic Formula Rank by ROIC	236
Price	13.88
PBV / Sector	0.07 / 4.67 GREAT
Earning Per Share	41.54

PE / Sector	0.33 / 13.71 GREAT
PEG or PE/Growth / Sector	0.01 / 0.12 GREAT
Average 1M Daily Value	16.21 M GREAT
Average 1W Daily Value	12.88 M GREAT

Timing Factors

57%

MACD	SIGN IN
MACD Signal	SIGN IN
MACD Divergence	SIGN IN
RSI	SIGN IN
Stochastic Oscillator K	SIGN IN
Stochastic Oscillator D	SIGN IN
ADX	SIGN IN
Avg 5 day Timing Score	SIGN IN

Financial Health

58%

DE / Sector	SIGN IN
DE Average / Sector	SIGN IN
DE Change Average (%) / Sector	SIGN IN
Current Ratio / Sector	SIGN IN
Current Ratio Average / Sector	SIGN IN
Current Ratio Change Average (%) / Sector	SIGN IN
Quick Ratio / Sector	SIGN IN
Quick Ratio Average / Sector	SIGN IN
Quick Ratio Change Average (%) / Sector	SIGN IN
FCF/Share / Sector	SIGN IN
FCF/Share Average / Sector	SIGN IN
FCF/Share Change Average (%) / Sector	SIGN IN

Ability to Make Profit

81%

GPM (%) / Sector	SIGN IN
GPM Average (%) / Sector	SIGN IN
GPM Change Average (%) / Sector	SIGN IN
OPM (%) / Sector	SIGN IN
OPM Average (%) / Sector	SIGN IN
OPM Change Average (%) / Sector	SIGN IN
NPM (%) / Sector	28.91 / 69.56 GREAT
NPM Average (%) / Sector	29.41 / 32.21 GREAT
NPM Change Average (%) / Sector	6.28 / 23.87
Asset Turnover / Sector	SIGN IN
Asset Turnover Average / Sector	SIGN IN
Asset Turnover Change Average (%) / Sector	SIGN IN
ROA (%) / Sector	9.32 / 5.73
ROA Average (%) / Sector	10.37 / 4.78
ROA Change Average (%) / Sector	0.68 / 8.81
ROE (%) / Sector	20.80 / 25.41 GOOD
ROE Average (%) / Sector	22.33 / 10.57 GOOD
ROE Change Average (%) / Sector	0.85 / 8.94
ROIC (%) / Sector	SIGN IN
ROIC Average (%) / Sector	SIGN IN
ROIC Change Average (%) / Sector	SIGN IN

Return to Investors

100%

Dividend (%) / Sector	11.18 / 2.40 GREAT
Dividend Average (%) / Sector	6.24 / 4.16 GREAT
Dividend Change Average (%) / Sector	38.11 / 18.70 GREAT

Registration Details

Analyze Date	2026-08-01 08:00:22
Symbol	QFIN
Name	360 FINANCE INC
Sector	Financial Services >> Credit Services
Market	NASDAQ
Listed Shares	121.75 M
Par Value	N/A
Calculated From	Quarter
Sign	N/A
Market Cap (M.USD) / Sector Average	1,686.26 / 43,886.28

News, Concensus, ...

Estimation Consensus	See at WSJ.com
Full details	See at WSJ.com
Chart	See in Chart feature
News	See at Yahoo Finance

Address: Building 1, Shanghai, China, 200331

Phone: 86 21 5835 7668

Website: https://www.qfin.com

Employees: 3,557

Sector: Financial Services >> Credit Services

Description: 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 and post-facilitation services to financial institution partners under capital light model, 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.