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· UNITED STATES · US:QFIN ·

360 Finance

¥60.80
+3.9% today
-66.0% 1Y
¥7.4bn · Credit Services
Get the deep research · $99
RESEARCH ON THIS COMPANY

We have researched 360 Finance. The verdict, the fair value and the argument behind them are available to Premium members.

A PrimerIQ deep dive is a full research report on the company and everything around it — not a summary of one annual report. It covers:

  • the filings
  • the competitors
  • the news
  • the wider industry
  • the economy it sits in
  • the regulatory backdrop
  • a full model and a fair value with sensitivities

You get a bear, base and bull case with the assumptions behind each, the price we think it is worth, and the specific things that would break the thesis.

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ASK ABOUT 360 FINANCE

Put a question to the analyst and get an answer grounded in this company's own filings and our research — "what breaks the thesis?", "how much of profit goes to interest?"

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Financial statements Reported in CNY

Financials

Annual financial statements as reported, going back as far as the data allows.

Units: CNY millions unless noted
Trend · the chart follows the statement you pick
Income statement
$m202020212022202320242025TTM2026E
Source: company annual reports
Balance sheet
$m202020212022202320242025TTM2026E
Source: company annual reports
Cash flow
$m202020212022202320242025TTM2026E
Source: company annual reports
Profitability & returns
202020212022202320242025TTM2026E
Computed from the statements aboveE = PrimerIQ estimate
Insider dealing & ownership

Insiders

Who bought and sold, at what price, and how much of their own holding it was — from SEC Form 4 and UK PDMR notifications, with each insider's last-reported position and disclosed major holders.

FLASH THESIS — NOT A DEEP DIVE

A fast, high-level read of the filings and the sector — deliberately thin to surface ideas cheaply. Deep research has NOT been performed. Many ideas look great in flash, but deep dives often uncover thesis-breaking details that flash reads have missed. Please run a full deep dive before any investment decision.

Valuation

360 Finance — the full valuation model

This company has been valued on Justified price-to-book, Residual income (excess returns on book), with a year-by-year forecast, the cost of capital built up from the risk-free rate, a bear/base/bull scenario set and a sensitivity grid. The fair value and the scenario range are on the Overview; the workings behind them — every driver, rate and sensitivity — are Premium.

Public comps (how the market prices the nearest comparable businesses)

The 6 investable Credit Services industry peers closest in size, largest first. Market caps are shown in USD so the set compares like with like; the multiples are currency-neutral. The median is taken across the PEERS only — it is what this company is being compared to — and per column, over the peers that actually report each measure.

CompanyMkt cap (USD)P/EP/BROICOp marginDiv yield
Genertec Universal Medical 5UM$1.2bn3.6×0.38×5.2%21.8%7.8%
Srisawad Power 1979 PCL SAWAD$1.2bn7.3×1.0×8.0%49.1%1.8%
SUN HUNG KAI SHK$1.1bn5.5×0.39×5.8%
360 Finance QFIN$1.1bn2.0×0.31×24.7%34.8%11.6%
CHANNEL VAS INV OPA$1.1bn
B2 Impact ASA B2I$1.1bn14.8×1.7×8.9%45.9%6.0%
Qfin CKR0$1.0bn1.4×0.29×16.8%
Peer median$1.1bn5.5×0.39×8.0%45.9%6.0%

A comparable set says what the market is paying for similar businesses today, not what any of them is worth. It is a cross-check on the model above, not a substitute for it.

Deep research

No deep research yet for 360 Finance

A full deep-dive (business, moat, risks, valuation and scenarios) hasn't been generated for this company yet.

Primary sources · raw filings · company announcements

News & Filings

Source documents straight from the database — click to read the raw filing or release — beside the issuer's own releases and dated events, newest first. Our read on what matters lives in Recent developments.

Filings & source documents
ER
业绩新闻稿
CurrentCompany IR · 2026 FY
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AR
Annual Reports
AnnualCompany IR · 2026 FY
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ER
Qfin Holdings Announces Second Quarter and Interim 2026 Unaudited Financial Results and Declares Semi-Annual Dividend Shanghai, China, August 25, 2026, Qfin Hol
CurrentCompany IR · 2026-08-25
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Q
Qfin Holdings to Announce Second Quarter 2026 Unaudited Financial Results on August 25, 2026
QuarterlyCompany IR · 2026 Q2 · published 2026-08-25
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DECK
网络直播及投资者演示讲稿
PresentationCompany IR · 2026 H1
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DECK
網絡直播及投資者演示講稿
PresentationCompany IR · 2026 H1
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Q
QFIN Q2 2026 Earnings Release
QuarterlyCompany IR · 2026 Q2
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DECK
Qfin Holdings 2026 Q2 Presentation
PresentationCompany IR · 2026 Q2
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ER
Qfin Holdings Announces Second Quarter and Interim 2026 Unaudited Financial Results and Declares Semi-Annual Dividend
CurrentCompany IR · 2026 H1
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Q
Qfin Holdings to Announce First Quarter 2026 Unaudited Financial Results on May 26, 2026
QuarterlyCompany IR · 2026 Q1 · published 2026-05-26
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DECK
Qfin Holdings 2026 Q1 Presentation
PresentationCompany IR · 2026 Q1
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ER
Qfin Holdings Announces First Quarter 2026 Unaudited Financial Results
CurrentCompany IR · 2026 Q1
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Q
Quarterly report 2026
QuarterlyCompany IR · 2026
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AV
Qifu Technology 2Q2026 Earnings Call
WebcastCompany IR · 2026
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AV
Qifu Technology 1Q2026 Earnings Call
WebcastCompany IR · 2026
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Q
Earnings Release
QuarterlyCompany IR · 2026
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DECK
奇富科技2026年第1季度演示讲稿(英文版)
PresentationCompany IR · 2026
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🔒
69 more filings, 2018–2025
Archive8 earlier years on file
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Company announcements
Investor calendar · earnings & events

Calendar

Upcoming and recent investor events — results, AGM, dividend and ex-dividend dates — from the company's own investor calendar.

Listings · this company across markets

Listings

Every place this issuer trades — the home listing, foreign cross-listings and depositary receipts (ADR/CDR/BDR), plus any separate share classes. The screener shows one canonical line per company; the rest live here.

ListingExchangeTickerCurrencyPriceType
Technical analysis · price action & momentum

Technicals

Interactive price chart with the common technical-analysis overlays and indicators — moving averages, Bollinger Bands, volume, RSI and MACD — plus an at-a-glance momentum summary. Use the chart's own toolbar to add or remove studies, change timeframe, or search a different listing.

A note on method: PrimerIQ's research is built bottom-up from the filings — what a business earns and what it's worth. The charts below read price history, not the business; we include them because many investors want them, not because they drive our valuation. Treat them as one lens among several.

Momentum summaryMomentum26
3-month return+3.5%
6-month return-5.5%
1-year return-56.1%
vs 52-week high-56.7%
vs 50-day MA-3.9%
vs 200-day MA-12.0%
volume vs base-18.7%

Relative strength percentile: 35 vs market, 32 vs industry. Momentum rank is a 0–100 percentile across 36,468 companies — one lens, not a valuation signal.

Charts and technical data by TradingView. Not investment advice.

Not on your plan

Earnings calls

The webcast audio itself, transcribed in full, with the structural signals the transcript text alone loses — how scripted rather than spontaneous the language is, where management hesitated longest, and which answers were most hedged.

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