Stock Scorecard
Stock Summary for 360 DigiTech Inc (QFIN) - $6.30 as of 10/12/2026 6:45:23 PM EST
Total Score
19 out of 30
Safety Score
25 out of 100
Currently on the following lists
None
Tim's Recommendation
Possible Buy
Growth List Algorithm Criteria for QFIN
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for QFIN
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for QFIN
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for QFIN
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for QFIN (25 out of 100)
| Stock Price Rating (Max of 10) | 4 |
| Historical Stock Price Rating (Max of 10) | 5 |
| Stock Price Trend (Max of 10) | 1 |
| Book Value (Max of 10) | 8 |
| Book Value to Price (Max of 10) | 10 |
| Analyst Buy Ratings (Max of 5) | 5 |
| Analyst Strong Buy Ratings (Max of 5) | 4 |
| Dividend Yield Percentage (Max of 10) | 2 |
| Operating Margin (Max of 10) | 6 |
| Trading Volume (Max of 10) | 10 |
| Price to Earnings (Max of 10) | 10 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | -40 |
Latest News for for QFIN
Financial Details for QFIN
Company Overview |
|
|---|---|
| Ticker | QFIN |
| Company Name | 360 DigiTech Inc |
| Country | China |
| Description | 360 DigiTech, Inc., operates a digital consumer finance platform under the 360 Jietiao brand in the People's Republic of China. The company is headquartered in Shanghai, the People's Republic of China. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | CREDIT SERVICES |
| Most Recent Quarter | 6/30/2026 |
| Next Earnings Date | 11/17/2026 |
Stock Price History |
|
| Last Day Price | 6.30 |
| Price 4 Years Ago | 14.99 |
| Last Day Price Updated | 10/12/2026 6:45:23 PM EST |
| Last Day Volume | 2,103,775 |
| Average Daily Volume | 2,119,542 |
| 52-Week High | 25.03 |
| 52-Week Low | 5.93 |
| Last Price to 52 Week Low | 6.24% |
Valuation Measures |
|
| Trailing PE | 1.46 |
| Industry PE | 13.62 |
| Sector PE | 25.14 |
| 5-Year Average PE | 0.64 |
| Free Cash Flow Ratio | 0.10 |
| Industry Free Cash Flow Ratio | 221.68 |
| Sector Free Cash Flow Ratio | 76.03 |
| Current Ratio Most Recent Quarter | 5.47 |
| Total Cash Per Share | 63.19 |
| Book Value Per Share Most Recent Quarter | 30.34 |
| Price to Book Ratio | 0.26 |
| Industry Price to Book Ratio | 2.44 |
| Sector Price to Book Ratio | 2.20 |
| Price to Sales Ratio Twelve Trailing Months | 0.04 |
| Industry Price to Sales Ratio Twelve Trailing Months | 2.38 |
| Sector Price to Sales Ratio Twelve Trailing Months | 4.23 |
| Analyst Buy Ratings | 5 |
| Analyst Strong Buy Ratings | 3 |
Share Statistics |
|
| Total Shares Outstanding | 121,583,000 |
| Market Capitalization | 765,972,900 |
| Institutional Ownership | 64.03% |
Dividends |
|
| Ex-Dividend Date | 9/9/2026 |
| Previous Dividend Amount | 0.7800 |
| Current Dividend Amount | 0.4600 |
| Total Years Dividend Increasing | 0 |
| Trailing Annual Dividend Rate | 1.24 |
| Trailing Annual Dividend Yield | 20.46% |
| Forward Annual Dividend Rate | 0.92 |
| Forward Annual Dividend Yield | 15.18% |
| 5-Year Dividend Payments Count | 13 |
| 3-Year Average Dividend Yield | 6.02% |
| 5-Year Average Dividend Yield | 5.69% |
| 1-Year Dividend Growth Rate Percentage | -15.07% |
| 3-Year Dividend Growth Rate Percentage | 2.51% |
| 5-Year Dividend Growth Rate Percentage | 10.89% |
| All-Time Dividend Growth Rate Percentage | 10.89% |
| Dividend Payout Ratio | 29.67% |
Income Statement |
|
| Quarterly Earnings Growth YOY | -74.30% |
| Annual Earnings Growth | -4.38% |
| Reported EPS 12 Trailing Months | 4.18 |
| Reported EPS Past Year | 7.64 |
| Reported EPS Prior Year | 33.12 |
| Net Income Twelve Trailing Months | 3,740,098,123 |
| Net Income Past Year | 5,989,691,000 |
| Net Income Prior Year | 6,264,314,000 |
| Quarterly Revenue Growth YOY | -31.60% |
| 5-Year Revenue Growth | 3.46% |
| Operating Margin Twelve Trailing Months | 32.50% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 7,683,349,000 |
| Total Cash Past Year | 4,696,817,000 |
| Total Cash Prior Year | 4,452,416,000 |
| Net Cash Position Most Recent Quarter | 6,922,599,000 |
| Net Cash Position Past Year | 3,113,604,000 |
| Long Term Debt Past Year | 1,583,213,000 |
| Long Term Debt Prior Year | 0 |
| Total Debt Most Recent Quarter | 760,750,000 |
| Equity to Debt Ratio Past Year | 0.94 |
| Equity to Debt Ratio Most Recent Quarter | 0.97 |
| Total Stockholder Equity Past Year | 24,114,915,000 |
| Total Stockholder Equity Prior Year | 24,190,043,000 |
| Total Stockholder Equity Most Recent Quarter | 24,759,074,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 2,603,336,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 21.41 |
| Free Cash Flow Past Year | 10,843,206,000 |
| Free Cash Flow Prior Year | 9,190,161,000 |
Options |
|
| Put/Call Ratio | 0.04 |
| Has Options | Options Chain |
| Liquidity Rating | |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.00 |
| MACD Signal | 0.00 |
| 20-Day Bollinger Lower Band | 4.77 |
| 20-Day Bollinger Middle Band | 10.87 |
| 20-Day Bollinger Upper Band | 16.97 |
| Beta | 0.56 |
| RSI | 13.42 |
| 50-Day SMA | 0.00 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 0.00 |
System |
|
| Modified | 10/9/2026 7:37:58 AM EST |