QFIN

88
P/E (Trailing) ~2.4 - 2.9 Extremely low. The market values ​​the company with a huge "China risk".

Forward P/E ~2.9 Earnings are expected to remain stable, but without a major breakthrough.
ROE ~18.7% (Proj.) Good return on equity, but the trend is downward.

Dividend Yield ~8.5% - 9.0% High dividend, supported by an active share buyback program.

Asset Quality 2.02% (90+ day delinquency) Bad credit risk remains under control, but is being closely monitored.

Analyst Rating Strong Buy Most analysts (12 out of 13) give a "Buy" rating due to the low valuation.

Intrinsic Value: According to DCF models, the stock is over 300% undervalued, with a fair value estimated at around $75 - $80, while the market price is currently around $16.70.

Institutional Movements (Q3/Q4 2025): There has been a massive outflow of large hedge funds. AllianceBernstein and Goldman Sachs have reduced their positions significantly (-97% and -68%), while Krane Funds has added shares (+25%).

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