360 Finance
QFIN Small CapFinancial Services · Credit Services
Mis à jour: Aug 2, 2026, 22:14 UTC
Price Chart
Indicateurs clés
Valuation Analysis
About the Company
360 Finance en bref
360 Finance (QFIN) is currently trading at 12,03 € with a market capitalization of 1,5 Md €. The trailing P/E ratio stands at 2.44x, with a forward P/E of 2.94x. The 52-week range spans from 9,81 € to 30,30 €; the current price is 60.3% below the yearly high. Year-over-year revenue growth stands at -16.7%. The net profit margin stands at 27.53%.
💰 Dividende
360 Finance pays an annual dividend of 1,34 € per share, representing a yield of 11.1%. The payout ratio stands at 27.23%.
📊 Avis des analystes
13 analystes évaluent 360 Finance (QFIN) au consensus : None. L'objectif de cours moyen est de 19,03 €, soit un potentiel de +58.15% par rapport au cours actuel. La fourchette des objectifs de cours des analystes va de 12,63 € à 26,24 €.
360 Finance : la thèse d'investissement en détail
360 Finance (QFIN) operates in the Financial Services — specifically Credit Services — and is headquartered in China. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.
Le scénario haussier
The combination of a 57.06% gross margin and 27.45% operating margin shows the business converts revenue into profit efficiently — a hallmark of competitive moat. Free cash flow is positive and net margins stand at 27.53%, meaning reported earnings translate into real cash that can fund buybacks, dividends or strategic acquisitions. Our valuation screen flags the stock as undervalued relative to its fundamentals — multiples are running below where the cash flow profile would normally justify.
Le scénario baissier
Revenue is contracting at -16.7% year-over-year — until that trend reverses, valuation is exposed to further downgrades.
À surveiller
- The price sits in the lower quartile of the 52-week range — value hunters often start scaling in around this zone if fundamentals hold.
- The dividend yield near 11.1% combined with a payout ratio of 27.23% leaves room for further hikes — a track record of consecutive raises is a strong income signal.
- The analyst consensus price target implies 58.15% upside — if the next two quarters confirm the underlying thesis, target hikes typically follow.
Thèse d'investissement : forces et faiblesses
- Rentable avec une marge nette de 27.53%
- Rentabilité élevée des capitaux propres (21.3% ROE)
- Marge brute élevée de 57.06% — signe d'un pouvoir de fixation des prix
- Actuellement jugée sous-évaluée
- Rendement du dividende solide de 11.1%
- Bilan solide avec faible endettement (D/E 11.68)
- Free cash flow positif
- –CA en contraction (-16.7% sur un an)
Aperçu technique
Price is below both the 50- and 200-day moving averages, with 50d below 200d — a bearish picture (death-cross alignment).
Profil de risque
The data points to relatively defensive market behavior.
Trading Data
💵 Dividend Info
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