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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
12.840
1 Day change
3.88%
52 Week Range
47.000
Analysis Updated At
2026/03/27
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QFIN is not a good buy for a beginner, long-term investor at this moment. The technical indicators are bearish, financial performance shows significant declines, and there are no positive catalysts or strong trading signals to support a buy decision. Additionally, hedge funds are selling, and the options data suggests a bearish sentiment.

Technical Analysis

The MACD is negative and expanding downward, RSI is neutral but close to oversold territory, and moving averages are bearish (SMA_200 > SMA_20 > SMA_5). The stock is trading near its support level of 12.831, but the overall trend is bearish.

Options Data

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

The high Option Volume Put-Call Ratio of 2.36 indicates bearish sentiment, with puts being traded more heavily than calls.

Technical Summary

StrongSellSellNeutralBuyStrongBuydotted line Image
Sell
8
Buy
3

Positive Catalysts

  • NULL identified. No recent news or significant insider activity to act as a positive catalyst.

Neutral/Negative Catalysts

  • Hedge funds are selling significantly (183.83% increase in selling last quarter). Financial performance in Q4 2025 showed a YoY decline in revenue (-9.78%), net income (-46.81%), EPS (-40.94%), and gross margin (-2.45%). Analysts have lowered price targets, citing macro and regulatory uncertainties.

Financial Performance

In Q4 2025, revenue dropped to 4.04 billion (-9.78% YoY), net income dropped to 1.02 billion (-46.81% YoY), EPS dropped to 3.91 (-40.94% YoY), and gross margin dropped to 81.56 (-2.45% YoY). This indicates a significant decline in financial performance.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

Jefferies recently lowered the price target from $30.30 to $23.40 while maintaining a Buy rating. However, the lowered target reflects a cautious outlook due to macro and regulatory uncertainties.

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: 12.360
sliders
Low
21
Averages
36.93
High
50
Current: 12.360
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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