Should I Buy QFIN? QFIN 2026 Analysis

Should You Buy Qfin Holdings Inc (QFIN) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Hold

Latest Price

15.900

1 Day change

52 Week Range

48.040

Analysis Updated At

2026/01/26

QFIN is not a strong buy at the moment for a beginner, long-term investor with $50,000-$100,000 available for investment. The technical indicators suggest bearish momentum, hedge funds are selling, and financial performance shows declining net income and EPS despite revenue growth. Additionally, there are no recent positive news catalysts or strong trading signals. It is advisable to hold off on buying until more favorable conditions arise.

Technical Analysis

The stock is showing bearish momentum with MACD below 0 (-0.09), RSI at 28.377 in the neutral zone, and bearish moving averages (SMA_200 > SMA_20 > SMA_5). Key support is at 16.332, and resistance is at 17.088. Pre-market price is 16.38, down -0.30%, indicating weak sentiment.

Options Data

Bullish

Open Interest Put-Call Ratio

Bearish

Option Volume Put-Call Ratio

The high implied volatility (73.72) and IV percentile (95.6) suggest significant uncertainty. The option volume put-call ratio of 1.53 indicates bearish sentiment among options traders.

Technical Summary

Sell

Buy

Positive Catalysts

Revenue increased by 20.12% YoY in Q3 2025, and gross margin improved to 85.51%, up 2.04% YoY.

Neutral/Negative Catalysts

Hedge funds are selling heavily, with a 183.83% increase in selling activity over the last quarter. No recent news or Congress trading data to support a positive sentiment.

Financial Performance

In Q3 2025, revenue grew to 5.25 billion (up 20.12% YoY), but net income dropped to 1.44 billion (-20.35% YoY), and EPS fell to 5.4 (-11.33% YoY). Gross margin improved slightly to 85.51% (+2.04% YoY).

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

No recent analyst rating or price target changes available for QFIN.

3 Analyst Rating

Wall Street analysts forecast QFIN stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for QFIN is 36.93 USD with a low forecast of 21 USD and a high forecast of 50 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

2 Buy

1 Hold

0 Sell

Moderate Buy

Current: 15.900

Low

Averages

36.93

High

Current: 15.900

Low

Averages

36.93

High

JPMorgan

NULL -> Overweight

initiated

$65

AI Analysis

2025-07-02

Reason

JPMorgan

Price Target

$65

AI Analysis

2025-07-02

initiated

NULL -> Overweight

Reason

JPMorgan initiated coverage of Qifu Technology with an Overweight rating and $65 price target. Qifu, a leading online lending platform in China focused on retail clients underserved by traditional financial institutions, is \"emerging from the shake-out as a leading consumer finance platform,\" the analyst tells investors. Qifu offers \"a rare combination of growth and strong total shareholder returns,\" adds the analyst, who forecasts its total return from dividends and share buybacks for 2025, 2026 and 2027 at 17%, 14%, and 12%, respectively, of its current market cap.

B of A Securities

Emma Xu

Strong Buy

Maintains

$51 → $53

2025-03-26

Reason

B of A Securities

Emma Xu

Price Target

$51 → $53

2025-03-26

Maintains

Strong Buy

Reason

QFIN Should I Buy

QFIN Should I Buy

Should You Buy Qfin Holdings Inc (QFIN) Today? Analysis, Price Targets, and 2026 Outlook.

Technical Analysis

Options Data

Technical Summary

Positive Catalysts

Neutral/Negative Catalysts

Financial Performance

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

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