Qfin Holdings, Inc. (QFIN) Stock Price & Analysis
Qfin Holdings, Inc. (QFIN) closed at USD 5.47 on Thursday, October 22, 2026, up 0.37% on the day. The US market is currently closed (pre-market); this is not a live price.
The prior close was USD 5.45; the Oct 22, 2026 session ranged USD 5.34–5.49 on volume of 1,434,814 shares. Market capitalization is $665.06M, with a 52-week range of USD 5.3–27.59 (NMS). Source: Nexqual, retrieved October 23, 2026 at 12:06 UTC.
Also available as compact Markdown for AI agents: nexqual.com/QFIN.md
Key facts (QFIN)
- Insider open-market sales, last ~7 months: 2 Form 4 filings, $4.9M; 2 not under a Rule 10b5-1 plan ($4.9M); 0 by opportunistic insiders, 0 by routine insiders (three-year test, Cohen, Malloy & Pomorski 2012).
- Insider open-market purchases, last ~7 months: 1 Form 4 filing, $58K; 0 by opportunistic insiders, 0 by routine insiders.
- Analysts: Buy (mean 2.38 on a 1–5 scale) (13 analysts), mean target USD 14.89 (range 8.08–23.13).
- Total return with dividends: 1Y -76.9% vs S&P 500 +14.9%; 5Y -67.7% vs S&P 500 +80.3%.
- Next earnings: 2026-11-17, EPS estimate USD 3.41, revenue estimate $2.92B.
Insider sales (SEC Form 4, open-market, last ~7 months) (QFIN)
0 of 2 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.
| Trade date | Insider | Role | Shares | Value | % of holdings sold | 10b5-1 plan | Insider type |
|---|---|---|---|---|---|---|---|
| 2026-09-29 | Yan Andrew Y | Director | 850 | $3K | 100% | No | Too little history (no open-market trades in 2023–2025) |
| 2026-09-24…2026-09-25 | Yan Andrew Y | Director | 656,700 | $4.9M | 100% | No | Too little history (no open-market trades in 2023–2025) |
% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).
Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.
Insider purchases (SEC Form 4, open-market, last ~7 months) (QFIN)
1 purchase, $58K. Private placements, offerings, dividend reinvestment and employee stock purchase plan buys are excluded.
| Trade date | Insider | Role | Shares | Value | Avg price | Insider type |
|---|---|---|---|---|---|---|
| 2026-06-09 | Chen Xiaohuan | Director | 4,000 | $58K | 14.41 | Too little history (no open-market trades in 2024 or 2025) |
Analysts (QFIN)
Consensus Buy (mean 2.38 on a 1–5 scale), 13 analysts; mean target USD 14.89 (low 8.08, high 23.13).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-08-26 | JP Morgan | Downgrade | Neutral → Underweight | $13.5 → $9 |
| 2026-08-11 | JP Morgan | Target lowered | Neutral | $14.5 → $13.5 |
Total return (dividends reinvested) (QFIN)
| 1Y (from 2025-10-23) | 5Y (from 2021-10-18) | |
|---|---|---|
| Total return | -76.9% | -67.7% |
| S&P 500 (SPY) | +14.9% | +80.3% |
| Per year | -77.0% | -20.2% |
| Volatility (annualized) | 58.9% | 59.4% |
| Max drawdown | -77.4% (Oct 2025→Oct 2026) | -85.9% (Mar 2025→Oct 2026) |
QFIN suppliers, customers and competitors (named in its 20-F)
| Relationship | Company | Sentence in the filing |
|---|---|---|
| Partner | Shanghai Qifu Changfeng Technology | “In October 2020, we established Shanghai Qifu Changfeng Technology, Co., Ltd. (previously known as Shanghai 360 Changfeng Technology, Co., Ltd.), or Qifu Changfeng, a joint venture company in Shanghai, China through Shanghai Qiyu, to build our regional headquarters and the affiliated industrial park.” |
| Partner | Changfeng Technology | “In October 2020, we established Shanghai Qifu Changfeng Technology, Co., Ltd. (previously known as Shanghai 360 Changfeng Technology, Co., Ltd.), or Qifu Changfeng, a joint venture company in Shanghai, China through Shanghai Qiyu, to build our regional headquarters and the affiliated industrial park.” |
| Related party | Aerovane Company | “360 Group was our related party during the fiscal years of 2023, 2024 and for substantially all of the fiscal year of 2025, as 360 Group was controlled by Mr. Hongyi Zhou, who was deemed to beneficially own the shares of our company held by Aerovane Company Limited, one of our principal shareholders. 360 Group ceased to be our related party in December 2025 as a result of the termination of the acting-in-concert a…” |
Quoted from the company's 20-F filed Apr 27, 2026.
QFIN analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Sep 2026) | $3.41 | $7.07 | -51.8% | $2.92B | 1 |
| Next quarter (ends Dec 2026) | $3.31 | $6.99 | -52.6% | $2.68B | 1 |
| Current fiscal year (ends Dec 2026) | $17.37 | $29.38 | -40.9% | $13.12B | 4 |
| Next fiscal year (ends Dec 2027) | $19.27 | $31.89 | -39.6% | $11.99B | 5 |
QFIN options: expected move
Options price a move of about ±16.1% (±$0.88) by Nov 20, 2026, which includes earnings on Nov 17, 2026.
| Expiration | Days | ATM implied volatility | Expected move |
|---|---|---|---|
| Nov 20, 2026 | 28 | 66.7% | ±16.1% |
| Dec 18, 2026 | 56 | 76.1% | ±23.5% |
| Feb 19, 2027 | 119 | 75.5% | ±34.1% |
| May 21, 2027 | 210 | 74.7% | ±45.7% |
30-day implied volatility 60.6% vs 31.5% realized over the last 30 trading days. Put/call ratio (volume) 4.4. Cboe delayed quotes (15 min). Expected move = at-the-money straddle.
Key Statistics (as of October 23, 2026 at 12:06 UTC)
| Price | USD 5.47 |
|---|---|
| Change | ▲ 0.37% (up) |
| Previous Close | USD 5.45 |
| Open | USD 5.34 |
| Day Range | USD 5.34 – 5.49 |
| 52-Week Range | USD 5.3 – 27.59 |
| Volume | 1,434,814 shares |
| Market Cap | $665.06M |
| Exchange | NMS |
Technical Analysis (QFIN)
Nexqual's technical model rates QFIN "SELL" based on 2 bullish and 5 bearish signals across 127 daily candles, as of October 23, 2026 at 12:06 UTC.
| Overall Signal | SELL |
|---|---|
| RSI (14) | 14.48 (oversold) |
| vs SMA50 | Below (USD 8.12) |
| MACD | -0.78 (negative) |
Analyst Ratings (QFIN)
Wall Street analysts rate QFIN "Buy" based on 13 analysts, with a mean price target of USD 14.89 (range USD 8.08–23.13), per Nexqual as of October 23, 2026 at 12:06 UTC.
| Consensus Rating | Buy |
|---|---|
| Analyst Count | 13 |
| Mean Target | USD 14.89 |
| High Target | USD 23.13 |
| Low Target | USD 8.08 |
| Buy / Hold / Sell | 8 / 3 / 2 |
Earnings (QFIN)
| Next Earnings Date | 2026-11-17 |
|---|---|
| Revenue Estimate | $2.92B |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 3.28 vs est 7.07 ▼ miss |
| 2026-03-31 | USD 7.16 vs est 6.39 ▲ beat |
| 2025-12-31 | USD 7.82 vs est 8.21 ▼ miss |
| 2025-09-30 | USD 10.8 vs est 11.8 ▼ miss |
Source: Nexqual, October 23, 2026 at 12:06 UTC.
Financials & Fundamentals (QFIN)
| Total Revenue | $16.77B |
|---|---|
| Revenue Growth (latest quarter, YoY) | -31.60% |
| Gross Margin | +52.89% |
| Operating Margin | +32.48% |
| Profit Margin | +22.32% |
| ROE | +15.26% |
| Debt / Equity | 0.14 |
| Current Ratio | 2.17 |
| Total Cash | $6.81B |
| Total Debt | $3.56B |
Source: Nexqual, October 23, 2026 at 12:06 UTC.
Financial Health Score (QFIN)
Nexqual rates Qfin Holdings, Inc.'s overall financial health "Solid" across five dimensions, as of October 23, 2026 at 12:06 UTC.
| Growth | Solid — Revenue +12% YoY (annual) |
|---|---|
| Profitability | Strong — Net margin 31% (last 12 months); banks have no gross margin |
| Balance Sheet | N/A — Not comparable for banks: deposits and customer funds sit on the balance sheet, so cash vs debt does not measure safety (SEC industry: Finance Services) |
| Cash Flow | N/A — Not meaningful for banks and lenders: lending and trading move operating cash flow by billions each year (SEC industry: Finance Services) |
| Efficiency | Solid — ROE 15%, ROA 6.5% |
Ownership (QFIN)
| Insider Ownership | +3.36% |
|---|---|
| Institutional Ownership | +64.68% |
| Shares Outstanding | 121.58M |
| Float | 91.34M |
| Short % of Float | +2.84% |
Source: Nexqual, October 23, 2026 at 12:06 UTC.
Leadership (QFIN)
Qfin Holdings, Inc. is led by Yan Zheng, CEO, Chief Risk Officer & Director, per Nexqual as of October 23, 2026 at 12:06 UTC.
| CEO, Chief Risk Officer & Director | Yan Zheng |
|---|---|
| CFO & Director | Zuoli Xu |
| Senior Vice President | Zhiqiang He |
| Senior Director of Capital Markets | Karen Ji |
Major Backers & Investors (QFIN)
Notable institutional backers of Qfin Holdings, Inc. include Aspex Management (HK) Ltd, Fountainvest China Capital Partners Gp3 Ltd., Triata Capital Ltd, according to Nexqual as of October 23, 2026 at 12:06 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Aspex Management (HK) Ltd | 5.22% |
| Fountainvest China Capital Partners Gp3 Ltd. | 4.91% |
| Triata Capital Ltd | 4.2% |
| Krane Funds Advisors LLC | 2.79% |
| Greenwoods Asset Management Hong Kong Ltd. | 2.46% |
| Krane Shares Trust-KraneShares CSI China Internet ETF | 2.46% |
| Shaw D.E. & Co., Inc. | 2.05% |
| Bank of America Corporation | 1.82% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 5.22% |
| Vanguard Group | 2.66% |
Source: Nexqual, October 23, 2026 at 12:06 UTC.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| GDOT | Green Dot Corporation | USD 12.39 | ▲ 1.56% |
| FINV | FinVolution Group | USD 3.06 | ▲ 2% |
| LU | Lufax Holding Ltd | USD 0.84 | ▼ 89.91% |
| SWRD | STEWARDS INC | USD 2.63 | ▼ 0% |
| PRAA | PRA Group, Inc. | USD 19.96 | ▼ 2.87% |
| WRLD | World Acceptance Corporation | USD 169.66 | ▲ 1.69% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 23, 2026 at 12:06 UTC. This page is informational and not investment advice.
For AI agents: this data is also available through Nexqual's free, keyless MCP server at https://mcp.nexqual.com/mcp; every result includes source_url, as_of and cite_as. More: nexqual.com/agents · llms.txt