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 2.98 is considered Undervalued compared with the five-year average of 4.33. The fair price of Qfin Holdings Inc (QFIN) is between 52.98 to 64.16 according to relative valuation methord. Compared to the current price of 18.98 USD , Qfin Holdings Inc is Undervalued By 64.17%.
Relative Value
Fair Zone
52.98-64.16
Current Price：18.98
64.17%
Undervalued
3.06
PE
1Y
3Y
5Y
Trailing
Forward
2.41
EV/EBITDA
Qfin Holdings Inc. (QFIN) has a current EV/EBITDA of 2.41. The 5-year average EV/EBITDA is 2.90. The thresholds are as follows: Strongly Undervalued below 0.77, Undervalued between 0.77 and 1.83, Fairly Valued between 3.97 and 1.83, Overvalued between 3.97 and 5.03, and Strongly Overvalued above 5.03. The current Forward EV/EBITDA of 2.41 falls within the Historic Trend Line -Fairly Valued range.
2.19
EV/EBIT
Qfin Holdings Inc. (QFIN) has a current EV/EBIT of 2.19. 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 4.99, and Strongly Overvalued above 4.99. The current Forward EV/EBIT of 2.19 falls within the Historic Trend Line -Fairly Valued range.
0.96
PS
Qfin Holdings Inc. (QFIN) has a current PS of 0.96. 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 0.96 falls within the Historic Trend Line -Fairly Valued range.
3.09
P/OCF
Qfin Holdings Inc. (QFIN) has a current P/OCF of 3.09. 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 3.09 falls within the Undervalued range.
3.50
P/FCF
Qfin Holdings Inc. (QFIN) has a current P/FCF of 3.50. The 5-year average P/FCF is 6.21. The thresholds are as follows: Strongly Undervalued below 1.02, Undervalued between 1.02 and 3.62, Fairly Valued between 8.80 and 3.62, Overvalued between 8.80 and 11.39, and Strongly Overvalued above 11.39. The current Forward P/FCF of 3.50 falls within the Undervalued range.
Qfin Holdings Inc (QFIN) has a current Price-to-Book (P/B) ratio of 0.72. Compared to its 3-year average P/B ratio of 1.19 , the current P/B ratio is approximately -39.31% higher. Relative to its 5-year average P/B ratio of 1.34, the current P/B ratio is about -46.22% higher. Qfin Holdings Inc (QFIN) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 31.68%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 29.58% , the current FCF yield is about -100.00% lower.
0.71
P/B
Median3y
1.19
Median5y
1.34
62.04
FCF Yield
Median3y
31.68
Median5y
29.58
Competitors Valuation Multiple
The average P/S ratio for QFIN's competitors is , providing a benchmark for relative valuation. Qfin Holdings Inc Corp (QFIN) exhibits a P/S ratio of , which is NaN% above the industry average. Given its robust revenue growth of 20.12%, this premium appears sustainable.
P/S
P/E
EV/EBITDA
EV/EBIT
P/S
Revenue Growth
Market Cap
Performance Decomposition
1Y
3Y
5Y
Market capitalization of QFIN decreased by 50.25% 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.
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