Qfing (QFIN) Fundamental Analysis: Revenue, Earnings & Valuation

9.89 / 10

Outperform

Fundamental analysis rates QFIN as Outperform with a 9.9/10 score. Operating revenue growth (1.01) and net profit margin (56.2%) are strong, while cash‑up and total profit/EBIT are neutral. The fund‑flow composite score is 9.89, driven by high revenue and margin factors.

Analysis Checks(3/10)

Gross profit margin (%)

Value100.00

Score1/3

Weight-1.18%

1M Return-0.02%

Current liabilities / Total liabilities (%)

Value62.09

Score0/3

Weight-290.92%

1M Return-6.32%

Non-current liabilities / Total liabilities (%)

Value37.91

Score1/3

Weight120.74%

1M Return2.14%

Net profit margin (%)

Value56.18

Score2/3

Weight214.32%

1M Return3.71%

Total profit / EBIT (%)

Value103.93

Score1/3

Weight-293.30%

1M Return-7.02%

Cash-UP

Value0.16

Score1/3

Weight-335.96%

1M Return-8.26%

Operating revenue (YoY growth rate %)

Value1.01

Score2/3

Weight477.22%

1M Return8.56%

EBIT / Total operating revenue (%)

Value36.96

Score2/3

Weight126.04%

1M Return2.12%

Asset-MV

Value-0.55

Score1/3

Weight290.36%

1M Return4.15%

Cash-MV

Value1.80

Score1/3

Weight-207.32%

1M Return-4.31%

Is QFIN undervalued or overvalued?

QFIN scores 9.89/10 on fundamentals and holds a Discounted valuation at present. Backed by its 24.75% ROE, 31.11% net margin, 1.84 P/E ratio, 0.46 P/B ratio, and 11.63% earnings growth, these metrics solidify its Outperform investment rating.