QFIN
Qfing·NASDAQ
--
--(--)
--
--(--)
2.94 / 10
Underperform
QFIN's fundamental score is 2.94/10, indicating weak intrinsic quality. Strengths lie in Asset-MV (-0.5007, group 2) and Profit-MV (4.1237, group 4), while Cash-MV (1.2360, group 3) offers moderate support. However, critical ratios such as Total profit / EBIT (103.7277, group 3) and EBIT / Total revenue (39.7018, group 2) reveal inefficiencies in profit generation and operational leverage. The Net profit margin (35.7665%) is respectable but overshadowed by an elevated Total profit / EBIT, hinting at potential earnings volatility. Overall, the balance sheet appears stable, yet income-statement weaknesses constrain growth prospects.
Analysis Checks(4/10)
Gross profit margin (%)
Value82.37
Score1/3
Weight2.34%
1M Return0.93%
Value82.37
Score1/3
Weight2.34%
1M Return0.93%
Total profit (YoY growth rate %)
Value4.43
Score1/3
Weight9.47%
1M Return3.41%
Value4.43
Score1/3
Weight9.47%
1M Return3.41%
Total profit / EBIT (%)
Value103.73
Score1/3
Weight-13.95%
1M Return-8.91%
Value103.73
Score1/3
Weight-13.95%
1M Return-8.91%
Total assets turnover ratio
Value0.25
Score2/3
Weight12.34%
1M Return4.90%
Value0.25
Score2/3
Weight12.34%
1M Return4.90%
Asset-MV
Value-0.50
Score2/3
Weight49.73%
1M Return13.76%
Value-0.50
Score2/3
Weight49.73%
1M Return13.76%
Profit-MV
Value4.12
Score2/3
Weight7.83%
1M Return2.57%
Value4.12
Score2/3
Weight7.83%
1M Return2.57%
Net profit margin (%)
Value35.77
Score1/3
Weight5.86%
1M Return2.35%
Value35.77
Score1/3
Weight5.86%
1M Return2.35%
Operating revenue (YoY growth rate %)
Value14.66
Score2/3
Weight20.71%
1M Return7.92%
Value14.66
Score2/3
Weight20.71%
1M Return7.92%
EBIT / Total operating revenue (%)
Value39.70
Score1/3
Weight2.94%
1M Return1.22%
Value39.70
Score1/3
Weight2.94%
1M Return1.22%
Cash-MV
Value1.24
Score1/3
Weight2.72%
1M Return1.33%
Value1.24
Score1/3
Weight2.72%
1M Return1.33%
Gross profit margin (%)
Value82.37
Score1/3
Weight2.34%
1M Return0.93%
Value82.37
Score1/3
Weight2.34%
1M Return0.93%
Profit-MV
Value4.12
Score2/3
Weight7.83%
1M Return2.57%
Value4.12
Score2/3
Weight7.83%
1M Return2.57%
Total profit (YoY growth rate %)
Value4.43
Score1/3
Weight9.47%
1M Return3.41%
Value4.43
Score1/3
Weight9.47%
1M Return3.41%
Net profit margin (%)
Value35.77
Score1/3
Weight5.86%
1M Return2.35%
Value35.77
Score1/3
Weight5.86%
1M Return2.35%
Total profit / EBIT (%)
Value103.73
Score1/3
Weight-13.95%
1M Return-8.91%
Value103.73
Score1/3
Weight-13.95%
1M Return-8.91%
Operating revenue (YoY growth rate %)
Value14.66
Score2/3
Weight20.71%
1M Return7.92%
Value14.66
Score2/3
Weight20.71%
1M Return7.92%
Total assets turnover ratio
Value0.25
Score2/3
Weight12.34%
1M Return4.90%
Value0.25
Score2/3
Weight12.34%
1M Return4.90%
EBIT / Total operating revenue (%)
Value39.70
Score1/3
Weight2.94%
1M Return1.22%
Value39.70
Score1/3
Weight2.94%
1M Return1.22%
Asset-MV
Value-0.50
Score2/3
Weight49.73%
1M Return13.76%
Value-0.50
Score2/3
Weight49.73%
1M Return13.76%
Cash-MV
Value1.24
Score1/3
Weight2.72%
1M Return1.33%
Value1.24
Score1/3
Weight2.72%
1M Return1.33%
Is QFIN fundamentally strong?
- QFIN scores 2.94/10 on fundamentals and holds a Premium valuation at present. Backed by its 20.48% ROE, 35.05% net margin, 2.27 P/E ratio, 0.62 P/B ratio, and 32.42% earnings growth, these metrics solidify its Underperform investment rating.
