Stock Scorecard
Stock Summary for 360 DigiTech Inc (QFIN) - $8.47 as of 9/11/2026 3:15:45 PM EST
Total Score
19 out of 30
Safety Score
23 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 (23 out of 100)
| Stock Price Rating (Max of 10) | 4 |
| Historical Stock Price Rating (Max of 10) | 5 |
| Stock Price Trend (Max of 10) | 2 |
| Book Value (Max of 10) | 7 |
| 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) | 8 |
| 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 | N/A |
Stock Price History |
|
| Last Day Price | 8.47 |
| Price 4 Years Ago | 14.99 |
| Last Day Price Updated | 9/11/2026 3:15:45 PM EST |
| Last Day Volume | 856,263 |
| Average Daily Volume | 2,496,787 |
| 52-Week High | 29.24 |
| 52-Week Low | 7.92 |
| Last Price to 52 Week Low | 6.94% |
Valuation Measures |
|
| Trailing PE | 1.97 |
| Industry PE | 15.39 |
| Sector PE | 24.09 |
| 5-Year Average PE | 0.86 |
| Free Cash Flow Ratio | 0.13 |
| Industry Free Cash Flow Ratio | 247.03 |
| Sector Free Cash Flow Ratio | 45.36 |
| Current Ratio Most Recent Quarter | 5.47 |
| Total Cash Per Share | 63.19 |
| Book Value Per Share Most Recent Quarter | 29.42 |
| Price to Book Ratio | 0.28 |
| Industry Price to Book Ratio | 7.39 |
| Sector Price to Book Ratio | 2.37 |
| Price to Sales Ratio Twelve Trailing Months | 0.06 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.48 |
| Sector Price to Sales Ratio Twelve Trailing Months | 4.79 |
| Analyst Buy Ratings | 5 |
| Analyst Strong Buy Ratings | 3 |
Share Statistics |
|
| Total Shares Outstanding | 121,583,000 |
| Market Capitalization | 1,029,808,010 |
| Institutional Ownership | 63.52% |
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 | 14.42% |
| Forward Annual Dividend Rate | 0.92 |
| Forward Annual Dividend Yield | 10.70% |
| 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 | 28.38% |
Income Statement |
|
| Quarterly Earnings Growth YOY | -74.30% |
| Annual Earnings Growth | -4.38% |
| Reported EPS 12 Trailing Months | 4.30 |
| 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 | 0.38 |
| Has Options | Options Chain |
| Liquidity Rating | |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | -0.89 |
| MACD Signal | -0.61 |
| 20-Day Bollinger Lower Band | 10.21 |
| 20-Day Bollinger Middle Band | 13.45 |
| 20-Day Bollinger Upper Band | 16.70 |
| Beta | 0.57 |
| RSI | 13.37 |
| 50-Day SMA | 16.75 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 0.00 |
System |
|
| Modified | 9/12/2026 6:13:11 AM EST |