360 DigiTech Inc
NASDAQ:QFIN

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360 DigiTech Inc
NASDAQ:QFIN
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Price: 33.08 USD 2.26% Market Closed
Market Cap: 5.2B USD
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Intrinsic Value

The intrinsic value of one QFIN stock under the Base Case scenario is 44.59 USD. Compared to the current market price of 33.08 USD, 360 DigiTech Inc is Undervalued by 26%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

QFIN Intrinsic Value
44.59 USD
Undervaluation 26%
Intrinsic Value
Price
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Base Case
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360 DigiTech Inc

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Fundamental Analysis

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Financials
Annual
Quarterly
TTM
Annual
Quarterly
TTM

Balance Sheet Decomposition
360 DigiTech Inc

Current Assets 41.4B
Cash & Short-Term Investments 6.6B
Receivables 32.2B
Other Current Assets 2.6B
Non-Current Assets 5.6B
PP&E 352.2m
Intangibles 53.5m
Other Non-Current Assets 5.2B
Current Liabilities 16.9B
Accrued Liabilities 2.1B
Short-Term Debt 1.1B
Other Current Liabilities 13.7B
Non-Current Liabilities 7.5B
Other Non-Current Liabilities 7.5B
Efficiency

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

Free Cash Flow Analysis
360 DigiTech Inc

Last Value
3-Years Average
FCF Margin
Conversion Rate
Earnings Calls

Qifu Technology demonstrated strong resilience in Q2 2024 despite macroeconomic challenges. Revenues grew by 6.3% year-over-year to RMB 4.16 billion, driven by robust asset quality improvements and operational efficiencies. Non-GAAP net income surged by 23% year-over-year to RMB 1.41 billion. The company emphasized its platform strategy, improving risk metrics and customer acquisition, resulting in better monetization and an increased take rate of 4.4%. Looking ahead, Qifu anticipates non-GAAP net income between RMB 1.55 billion and RMB 1.65 billion for Q3 2024, reflecting a growth rate between 31% and 40% year-over-year【7:0†source】【7:1†source】【7:2†source】【7:3†source】【7:4†source】【7:5†source】【7:6†source】.

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Fundamental Scores

QFIN Profitability Score
Profitability Due Diligence

360 DigiTech Inc's profitability score is 66/100. The higher the profitability score, the more profitable the company is.

Positive Free Cash Flow
Positive Gross Profit
Exceptional 3-Year Average ROE
Positive Operating Income
66/100
Profitability
Score

360 DigiTech Inc's profitability score is 66/100. The higher the profitability score, the more profitable the company is.

QFIN Solvency Score
Solvency Due Diligence

360 DigiTech Inc's solvency score is 64/100. The higher the solvency score, the more solvent the company is.

Negative Net Debt
Low D/E
Short-Term Solvency
Long-Term Solvency
64/100
Solvency
Score

360 DigiTech Inc's solvency score is 64/100. The higher the solvency score, the more solvent the company is.

Wall St
Price Targets

QFIN Price Targets Summary
360 DigiTech Inc

Wall Street analysts forecast QFIN stock price to drop over the next 12 months.

According to Wall Street analysts, the average 1-year price target for QFIN is 31.78 USD with a low forecast of 25.65 USD and a high forecast of 50.19 USD.

Lowest
Price Target
25.65 USD
22% Downside
Average
Price Target
31.78 USD
4% Downside
Highest
Price Target
50.19 USD
52% Upside
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Dividends

Dividend Yield
Lowest
Average
Highest
Dividend Per Share
N/A
Growth 3Y
Growth 5Y
Growth 10Y
Dividend Safety Score
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Unsafe
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Safe
0
25
50
75
100
Shareholder Yield

Current shareholder yield for QFIN is .

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Shareholder Yield
Dividend Yield
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Buyback Yield
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Highest
Debt Paydown Yield
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Highest

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Profile

360 DigiTech Inc Logo
360 DigiTech Inc

Country

China

Industry

Financial Services

Market Cap

5.2B USD

Dividend Yield

3.57%

Description

360 DigiTech, Inc. is a holding company, which engages in the provision of digital consumer finance platform. The company is headquartered in Shanghai, Shanghai. The company went IPO on 2018-12-14. The firm mainly provides tailored online consumer finance products to prime, underserved borrowers funded primarily by funding partners. The Company’s technology platform enables a user experience supported by resolute risk management.

Contact

SHANGHAI
Shanghai
7/F Lujiazui Finance Plaza, No. 1217 Dongfang Road
+862161516360.0
www.360jie.com.cn

IPO

2018-12-14

Employees

1 643

Officers

CEO & Director
Mr. Haisheng Wu
CFO & Director
Mr. Zuoli Xu CFA
Senior Vice President
Mr. Zhiqiang He
Chief Risk Officer
Mr. Yan Zheng

See Also

Discover More
What is the Intrinsic Value of one QFIN stock?

The intrinsic value of one QFIN stock under the Base Case scenario is 44.59 USD.

Is QFIN stock undervalued or overvalued?

Compared to the current market price of 33.08 USD, 360 DigiTech Inc is Undervalued by 26%.

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