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QFIN Should I Buy

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0.000
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0.000(0.000%)Aft-market
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Intellectia

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

Conclusion
Hold
Latest Price
13.950
1 Day change
-0.43%
52 Week Range
47.000
Analysis Updated At
2026/04/17
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QFIN is not a strong buy at the moment given the investor's long-term strategy and beginner level. The lack of positive financial performance, hedge fund selling, and no significant trading signals suggest waiting for a better entry point.

Technical Analysis

The MACD is positive but contracting, RSI is neutral at 58.37, and moving averages are converging, indicating no strong bullish or bearish trend. The pre-market price is $14, slightly above the pivot point of $13.539, with resistance at $14.234.

Options Data

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

The high put-call volume ratio (2.14) suggests bearish sentiment in the options market.

Technical Summary

StrongSellSellNeutralBuyStrongBuydotted line Image
Sell
6
Buy
4

Positive Catalysts

  • NULL identified. No recent news or significant insider activity.

Neutral/Negative Catalysts

  • Hedge funds are selling heavily, with a 183.83% increase in selling over the last quarter. Financial performance has significantly declined YoY in revenue (-9.78%), net income (-46.81%), and EPS (-40.94%). Analysts have lowered price targets, citing macro and regulatory uncertainties.

Financial Performance

In Q4 2025, revenue dropped to $4.04B (-9.78% YoY), net income fell to $1.02B (-46.81% YoY), and EPS decreased to 3.91 (-40.94% YoY). Gross margin also contracted slightly to 81.56% (-2.45% YoY).

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, reflecting a cautious outlook due to macro and regulatory concerns.

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: 14.010
sliders
Low
21
Averages
36.93
High
50
Current: 14.010
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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