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QFIN Should I Buy

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Intellectia

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

Conclusion
Hold
Latest Price
13.320
1 Day change
1.29%
52 Week Range
47.000
Analysis Updated At
2026/04/24
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QFIN is not a strong buy at the moment for a beginner investor with a long-term strategy. The lack of positive trading signals, declining financial performance, and hedge fund selling outweigh the moderately positive analyst rating and technical indicators. It is better to wait for clearer growth trends or stronger catalysts before investing.

Technical Analysis

The MACD is positive but contracting, RSI is neutral at 26.419, and moving averages are converging. The stock is trading near its support level of 12.89, with resistance at 14.299. Overall, the technical indicators suggest a neutral to slightly bullish trend.

Options Data

Bullish
Open Interest Put-Call Ratio
Bearish
Option Volume Put-Call Ratio

Technical Summary

StrongSellSellNeutralBuyStrongBuydotted line Image
Sell
8
Buy
1

Positive Catalysts

  • The stock has an 80% chance of gaining 1.15% in the next week and 3.06% in the next month based on historical candlestick patterns. Analyst Jefferies maintains a Buy rating, albeit with a reduced price target.

Neutral/Negative Catalysts

  • Hedge funds are selling heavily, with a 183.83% increase in selling activity over the last quarter. Financial performance has significantly declined YoY, with revenue down 9.78%, net income down 46.81%, and EPS down 40.94%. No recent congress trading data or influential figure activity is available.

Financial Performance

In Q4 2025, revenue dropped by 9.78% YoY, net income fell by 46.81%, and EPS declined by 40.94%. Gross margin also decreased slightly to 81.56%. This indicates a negative growth trend.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

Jefferies lowered the price target from $30.30 to $23.40, maintaining a Buy rating but citing macro and regulatory uncertainties as reasons for a more cautious outlook.

Wall Street analysts forecast QFIN stock price to rise
3 Analyst Rating
Wall Street analysts forecast QFIN stock price to rise
2 Buy
1 Hold
0 Sell
Moderate Buy
Current: 13.150
sliders
Low
21
Averages
36.93
High
50
Current: 13.150
sliders
Low
21
Averages
36.93
High
50
Jefferies
Buy
downgrade
AI Analysis
2026-03-18
Reason
Jefferies
Price Target
AI Analysis
2026-03-18
downgrade
Buy
Reason
Jefferies lowered the firm's price target on Qfin to $23.40 from $30.30 and keeps a Buy rating on the shares. The firm, which updated estimates after Q4 results and Q1 guidance, says it factors in "a prudent outlook considering the recent macro and regulatory uncertainties."
JPMorgan
NULL -> Overweight
initiated
$65
2025-07-02
Reason
JPMorgan
Price Target
$65
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.
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