360 Finance

Valuation Analysis

About the Company

360 Finance en bref

360 Finance (QFIN) is currently trading at 13,26 € with a market capitalization of 1,6 Md €. The trailing P/E ratio stands at 2.67x, with a forward P/E of 3.12x. The 52-week range spans from 9,86 € to 40,26 €; the current price is 67.1% 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 10.12%. The payout ratio stands at 27.23%.

📊 Avis des analystes

13 analystes évaluent 360 Finance (QFIN) au consensus : Acheter. L'objectif de cours moyen est de 19,07 €, soit un potentiel de +43.83% par rapport au cours actuel. La fourchette des objectifs de cours des analystes va de 12,66 € à 26,28 €.

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. Wall Street consensus sits at Buy with an average price target implying roughly 43.83% upside from current levels — analyst sentiment is firmly constructive.

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 10.12% 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 43.83% upside — if the next two quarters confirm the underlying thesis, target hikes typically follow.

Thèse d'investissement : forces et faiblesses

Aperçu technique

The price is in a transition zone relative to the moving averages — no clear signal.

Profil de risque

The data points to relatively defensive market behavior.

Trading Data

💵 Dividend Info

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