360 DigiTech Inc
NASDAQ:QFIN

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360 DigiTech Inc
NASDAQ:QFIN
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Price: 34.53 USD -1.93% Market Closed
Market Cap: 5.5B USD
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Profitability Summary

We take all the information about a company's profitability (such as its margins, capital efficiency, free cash flow generating ability, and more) and consolidate it into one single number - the profitability score. The higher the profitability score, the more profitable the company is.

Past Growth

To be successful and remain in business, both growth and profitability are important and necessary. Net Income growth is often seen as a sign of a company's efficiency from an operational standpoint, but is influenced heavily by a company's goals and challenges and should therefore be assessed in conjunction with other metrics like revenue and operating income growth.

Margins

Profit margins represent what percentage of sales has turned into profits. Simply put, the percentage figure indicates how many cents of profit the company has generated for each dollar of sale.

Profit margins help investors assess if a company's management is generating enough profit from its sales and whether operating costs and overhead costs are being contained.

Earnings Waterfall
360 DigiTech Inc

Revenue
17.1B CNY
Cost of Revenue
-2.8B CNY
Gross Profit
14.3B CNY
Operating Expenses
-8.2B CNY
Operating Income
6B CNY
Other Expenses
-1.2B CNY
Net Income
4.8B CNY

Margins Comparison
360 DigiTech Inc Competitors

Country Company Market Cap Gross
Margin
Operating
Margin
Net
Margin
CN
360 DigiTech Inc
NASDAQ:QFIN
5.5B USD
83%
35%
28%
US
American Express Co
NYSE:AXP
212.1B USD
63%
17%
14%
US
Capital One Financial Corp
NYSE:COF
71.4B USD
0%
0%
11%
IN
Bajaj Finance Ltd
NSE:BAJFINANCE
4.1T INR
61%
43%
25%
US
Discover Financial Services
NYSE:DFS
45B USD
0%
0%
18%
US
Synchrony Financial
NYSE:SYF
25.7B USD
0%
0%
16%
KZ
Kaspi.kz AO
NASDAQ:KSPI
19.8B USD
0%
0%
56%
US
SoFi Technologies Inc
NASDAQ:SOFI
16.9B USD
0%
0%
5%
US
Santander Consumer USA Holdings Inc
F:77S
11.3B EUR
74%
52%
40%
IN
Shriram Finance Ltd
NSE:SHRIRAMFIN
1.1T INR
56%
39%
21%
IN
Cholamandalam Investment and Finance Company Ltd
NSE:CHOLAFIN
1T INR
51%
29%
17%
Country CN
Market Cap 5.5B USD
Gross Margin
83%
Operating Margin
35%
Net Margin
28%
Country US
Market Cap 212.1B USD
Gross Margin
63%
Operating Margin
17%
Net Margin
14%
Country US
Market Cap 71.4B USD
Gross Margin
0%
Operating Margin
0%
Net Margin
11%
Country IN
Market Cap 4.1T INR
Gross Margin
61%
Operating Margin
43%
Net Margin
25%
Country US
Market Cap 45B USD
Gross Margin
0%
Operating Margin
0%
Net Margin
18%
Country US
Market Cap 25.7B USD
Gross Margin
0%
Operating Margin
0%
Net Margin
16%
Country KZ
Market Cap 19.8B USD
Gross Margin
0%
Operating Margin
0%
Net Margin
56%
Country US
Market Cap 16.9B USD
Gross Margin
0%
Operating Margin
0%
Net Margin
5%
Country US
Market Cap 11.3B EUR
Gross Margin
74%
Operating Margin
52%
Net Margin
40%
Country IN
Market Cap 1.1T INR
Gross Margin
56%
Operating Margin
39%
Net Margin
21%
Country IN
Market Cap 1T INR
Gross Margin
51%
Operating Margin
29%
Net Margin
17%
No Stocks Found

Return on Capital

Return on capital ratios give a sense of how well a company is using its capital (equity, assets, capital employed, etc.) to generate profits (operating income, net income, etc.). In simple words, these ratios show how much income is generated for each dollar of capital invested.

Return on Capital Comparison
360 DigiTech Inc Competitors

Country Company Market Cap ROE ROA ROCE ROIC
CN
360 DigiTech Inc
NASDAQ:QFIN
5.5B USD
22%
11%
21%
11%
US
American Express Co
NYSE:AXP
212.1B USD
34%
4%
11%
5%
US
Capital One Financial Corp
NYSE:COF
71.4B USD
7%
1%
0%
0%
IN
Bajaj Finance Ltd
NSE:BAJFINANCE
4.1T INR
21%
4%
9%
5%
US
Discover Financial Services
NYSE:DFS
45B USD
20%
2%
0%
0%
US
Synchrony Financial
NYSE:SYF
25.7B USD
21%
3%
0%
0%
KZ
Kaspi.kz AO
NASDAQ:KSPI
19.8B USD
89%
14%
0%
0%
US
SoFi Technologies Inc
NASDAQ:SOFI
16.9B USD
2%
0%
0%
0%
US
Santander Consumer USA Holdings Inc
F:77S
11.3B EUR
47%
6%
8%
6%
IN
Shriram Finance Ltd
NSE:SHRIRAMFIN
1.1T INR
16%
3%
7%
5%
IN
Cholamandalam Investment and Finance Company Ltd
NSE:CHOLAFIN
1T INR
22%
3%
5%
3%
Country CN
Market Cap 5.5B USD
ROE
22%
ROA
11%
ROCE
21%
ROIC
11%
Country US
Market Cap 212.1B USD
ROE
34%
ROA
4%
ROCE
11%
ROIC
5%
Country US
Market Cap 71.4B USD
ROE
7%
ROA
1%
ROCE
0%
ROIC
0%
Country IN
Market Cap 4.1T INR
ROE
21%
ROA
4%
ROCE
9%
ROIC
5%
Country US
Market Cap 45B USD
ROE
20%
ROA
2%
ROCE
0%
ROIC
0%
Country US
Market Cap 25.7B USD
ROE
21%
ROA
3%
ROCE
0%
ROIC
0%
Country KZ
Market Cap 19.8B USD
ROE
89%
ROA
14%
ROCE
0%
ROIC
0%
Country US
Market Cap 16.9B USD
ROE
2%
ROA
0%
ROCE
0%
ROIC
0%
Country US
Market Cap 11.3B EUR
ROE
47%
ROA
6%
ROCE
8%
ROIC
6%
Country IN
Market Cap 1.1T INR
ROE
16%
ROA
3%
ROCE
7%
ROIC
5%
Country IN
Market Cap 1T INR
ROE
22%
ROA
3%
ROCE
5%
ROIC
3%
No Stocks Found

Free Cash Flow

Free cash flow (FCF) is the money a company has left over after paying its operating expenses and capital expenditures. The more free cash flow a company has, the more it can allocate to dividends, paying down debt, and growth opportunities.

If a company has a decreasing free cash flow, that is not necessarily bad if the company is investing in its growth.

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