QFIN PE Ratio & Valuation,Is QFIN Overvalued

QFIN Relative Valuation

QFIN's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, QFIN is overvalued; if below, it's undervalued.

Historical Valuation

Qfin Holdings Inc (QFIN) is now in the Undervalued zone, suggesting that its current forward PE ratio of 3.23 is considered Undervalued compared with the five-year average of 4.33. The fair price of Qfin Holdings Inc (QFIN) is between 62.18 to 72.90 according to relative valuation methord. Compared to the current price of 19.80 USD , Qfin Holdings Inc is Undervalued By 68.15%.

Relative Value

Fair Zone

62.18-72.90

Current Price：19.80

68.15%

Undervalued

3.23

2.54

EV/EBITDA

Qfin Holdings Inc. (QFIN) has a current EV/EBITDA of 2.54. The 5-year average EV/EBITDA is 2.91. The thresholds are as follows: Strongly Undervalued below 0.82, Undervalued between 0.82 and 1.87, Fairly Valued between 3.96 and 1.87, Overvalued between 3.96 and 5.01, and Strongly Overvalued above 5.01. The current Forward EV/EBITDA of 2.54 falls within the Historic Trend Line -Fairly Valued range.

2.31

EV/EBIT

Qfin Holdings Inc. (QFIN) has a current EV/EBIT of 2.31. The 5-year average EV/EBIT is 2.93. The thresholds are as follows: Strongly Undervalued below 0.87, Undervalued between 0.87 and 1.90, Fairly Valued between 3.96 and 1.90, Overvalued between 3.96 and 4.98, and Strongly Overvalued above 4.98. The current Forward EV/EBIT of 2.31 falls within the Historic Trend Line -Fairly Valued range.

1.00

Qfin Holdings Inc. (QFIN) has a current PS of 1.00. The 5-year average PS is 1.39. The thresholds are as follows: Strongly Undervalued below 0.34, Undervalued between 0.34 and 0.86, Fairly Valued between 1.91 and 0.86, Overvalued between 1.91 and 2.43, and Strongly Overvalued above 2.43. The current Forward PS of 1.00 falls within the Historic Trend Line -Fairly Valued range.

3.22

P/OCF

Qfin Holdings Inc. (QFIN) has a current P/OCF of 3.22. The 5-year average P/OCF is 5.20. The thresholds are as follows: Strongly Undervalued below 1.70, Undervalued between 1.70 and 3.45, Fairly Valued between 6.95 and 3.45, Overvalued between 6.95 and 8.69, and Strongly Overvalued above 8.69. The current Forward P/OCF of 3.22 falls within the Undervalued range.

3.65

P/FCF

Qfin Holdings Inc. (QFIN) has a current P/FCF of 3.65. The 5-year average P/FCF is 6.22. The thresholds are as follows: Strongly Undervalued below 1.07, Undervalued between 1.07 and 3.64, Fairly Valued between 8.79 and 3.64, Overvalued between 8.79 and 11.36, and Strongly Overvalued above 11.36. The current Forward P/FCF of 3.65 falls within the Historic Trend Line -Fairly Valued range.

Qfin Holdings Inc (QFIN) has a current Price-to-Book (P/B) ratio of 0.75. Compared to its 3-year average P/B ratio of 1.18 , the current P/B ratio is approximately -36.54% higher. Relative to its 5-year average P/B ratio of 1.33, the current P/B ratio is about -43.75% higher. Qfin Holdings Inc (QFIN) has a Forward Free Cash Flow (FCF) yield of approximately 59.51%. Compared to its 3-year average FCF yield of 31.92%, the current FCF yield is approximately 86.47% lower. Relative to its 5-year average FCF yield of 29.89% , the current FCF yield is about 99.07% lower.

0.75

P/B

Median3y

1.18

Median5y

1.33

59.51

FCF Yield

Median3y

31.92

Median5y

29.89

Competitors Valuation Multiple

The average P/S ratio for QFIN's competitors is 4.24, providing a benchmark for relative valuation. Qfin Holdings Inc Corp (QFIN) exhibits a P/S ratio of 1.00, which is -76.48% above the industry average. Given its robust revenue growth of 20.12%, this premium appears sustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

Revenue Growth

Market Cap

Performance Decomposition

Market capitalization of QFIN decreased by 47.41% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 4.37B to 5.25B.

The secondary factor is the Margin Expansion, contributed -33.70%to the performance.

Overall, the performance of QFIN in the past 1 year is driven by Revenue Growth. Which is more sustainable.

20.12%

4.37B → 5.25B

Revenue Growth

-33.70%

41.16 → 27.29

Margin Expansion

-33.83%

4.29 → 2.84

P/E Change

-47.41%

37.67 → 19.81

Mkt Cap Growth

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Frequently Asked Questions

Is Qfin Holdings Inc (QFIN) currently overvalued or undervalued?

What is Qfin Holdings Inc (QFIN) fair value?

QFIN's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of Qfin Holdings Inc (QFIN) is between 62.18 to 72.90 according to relative valuation methord.

How does QFIN's valuation metrics compare to the industry average?

What is the current P/B ratio for Qfin Holdings Inc (QFIN) as of Dec 15 2025?

As of Dec 15 2025, Qfin Holdings Inc (QFIN) has a P/B ratio of 0.75. This indicates that the market values QFIN at 0.75 times its book value.

What is the current FCF Yield for Qfin Holdings Inc (QFIN) as of Dec 15 2025?

As of Dec 15 2025, Qfin Holdings Inc (QFIN) has a FCF Yield of 59.51%. This means that for every dollar of Qfin Holdings Inc’s market capitalization, the company generates 59.51 cents in free cash flow.

What is the current Forward P/E ratio for Qfin Holdings Inc (QFIN) as of Dec 15 2025?

As of Dec 15 2025, Qfin Holdings Inc (QFIN) has a Forward P/E ratio of 3.23. This means the market is willing to pay $3.23 for every dollar of Qfin Holdings Inc’s expected earnings over the next 12 months.

What is the current Forward P/S ratio for Qfin Holdings Inc (QFIN) as of Dec 15 2025?

As of Dec 15 2025, Qfin Holdings Inc (QFIN) has a Forward P/S ratio of 1.00. This means the market is valuing QFIN at $1.00 for every dollar of expected revenue over the next 12 months.

QFIN Valuation