QFIN Valuation

Qfin Holdings Inc

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29.150

-0.46(-1.554%)1D

Overview
Forecast
Valuation
Earnings

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 3.92 is considered Undervalued compared with the five-year average of 4.30. The fair price of Qfin Holdings Inc (QFIN) is between 63.76 to 77.26 according to relative valuation methord. Compared to the current price of 29.54 USD , Qfin Holdings Inc is Undervalued By 53.67%.

Relative Value

Fair Zone

63.76-77.26

Current Price：29.54

53.67%

Undervalued

3.92

Trailing

Forward

2.86

EV/EBITDA

Qfin Holdings Inc. (QFIN) has a current EV/EBITDA of 2.86. The 5-year average EV/EBITDA is 2.75. The thresholds are as follows: Strongly Undervalued below 0.26, Undervalued between 0.26 and 1.50, Fairly Valued between 3.99 and 1.50, Overvalued between 3.99 and 5.23, and Strongly Overvalued above 5.23. The current Forward EV/EBITDA of 2.86 falls within the Historic Trend Line -Fairly Valued range.

2.94

EV/EBIT

Qfin Holdings Inc. (QFIN) has a current EV/EBIT of 2.94. The 5-year average EV/EBIT is 2.89. The thresholds are as follows: Strongly Undervalued below 0.81, Undervalued between 0.81 and 1.85, Fairly Valued between 3.93 and 1.85, Overvalued between 3.93 and 4.97, and Strongly Overvalued above 4.97. The current Forward EV/EBIT of 2.94 falls within the Historic Trend Line -Fairly Valued range.

1.37

Qfin Holdings Inc. (QFIN) has a current PS of 1.37. The 5-year average PS is 1.37. The thresholds are as follows: Strongly Undervalued below 0.31, Undervalued between 0.31 and 0.84, Fairly Valued between 1.90 and 0.84, Overvalued between 1.90 and 2.44, and Strongly Overvalued above 2.44. The current Forward PS of 1.37 falls within the Historic Trend Line -Fairly Valued range.

5.96

P/OCF

Qfin Holdings Inc. (QFIN) has a current P/OCF of 5.96. The 5-year average P/OCF is 5.11. The thresholds are as follows: Strongly Undervalued below 1.60, Undervalued between 1.60 and 3.36, Fairly Valued between 6.86 and 3.36, Overvalued between 6.86 and 8.61, and Strongly Overvalued above 8.61. The current Forward P/OCF of 5.96 falls within the Historic Trend Line -Fairly Valued range.

4.06

P/FCF

Qfin Holdings Inc. (QFIN) has a current P/FCF of 4.06. The 5-year average P/FCF is 6.06. The thresholds are as follows: Strongly Undervalued below 0.50, Undervalued between 0.50 and 3.28, Fairly Valued between 8.84 and 3.28, Overvalued between 8.84 and 11.62, and Strongly Overvalued above 11.62. The current Forward P/FCF of 4.06 falls within the Historic Trend Line -Fairly Valued range.

Qfin Holdings Inc (QFIN) has a current Price-to-Book (P/B) ratio of 1.16. Compared to its 3-year average P/B ratio of 1.19 , the current P/B ratio is approximately -1.94% higher. Relative to its 5-year average P/B ratio of 1.37, the current P/B ratio is about -15.33% higher. Qfin Holdings Inc (QFIN) has a Forward Free Cash Flow (FCF) yield of approximately 38.87%. Compared to its 3-year average FCF yield of 31.24%, the current FCF yield is approximately 24.44% lower. Relative to its 5-year average FCF yield of 27.14% , the current FCF yield is about 43.23% lower.

1.16

P/B

Median3y

1.19

Median5y

1.37

38.87

FCF Yield

Median3y

31.24

Median5y

27.14

Competitors Valuation Multiple

The average P/S ratio for QFIN's competitors is 4.39, providing a benchmark for relative valuation. Qfin Holdings Inc Corp (QFIN) exhibits a P/S ratio of 1.37, which is -68.79% above the industry average. Given its robust revenue growth of 21.28%, this premium appears sustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

SoFi Technologies Inc

Performance Decomposition

Market capitalization of QFIN increased by 3.38% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 4.16B to 5.05B.

The secondary factor is the Margin Expansion, contributed 3.66%to the performance.

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

21.28%

4.16B → 5.05B

Revenue Growth

3.66%

33.09 → 34.30

Margin Expansion

-21.56%

5.27 → 4.13

P/E Change

3.38%