Qfin Holdings

QFIN

Market cap $1.9B

I upgrade Qfin Holdings from Hold to Buy, targeting a 61% upside on deep undervaluation and a robust 9%+ dividend yield. QFIN trades at 0.60x price/book versus a 1.59x all-time historical average and 1.19x the 5-year average. The sector median stands at 1.34x. Despite macro headwinds and flat loan facilitation, QFIN demonstrates resilience with steady user growth and disciplined cost management.

Qfin Holdings (QFIN) is rated a Buy, offering an asymmetric risk/reward. Trading at ~2.3x earnings with a $1.5B cash pile (effectively trading near cash value) and a 73% payout ratio. Regulatory reforms, such as the 15th Five-Year Plan's new Anti-Unfair Competition Law effectively bans destructive price wars and "below-cost" pricing, creating a regulatory floor for QFIN's margins. QFIN is successfully transforming from a lender into a "Tech Utility" for banks, evidenced by a 218% sequential explosion in the Technology Solutions segment, partnering with over 20 financial institutions.

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Qfin Holdings is downgraded to Hold due to a weakened near-term earnings outlook despite strong long-term tech platform potential. Q3 results showed revenue growth but significant margin compression, driven by higher provisions and operating costs, leading to a 17.4% y/y earnings decline. Regulatory risks, including a potential interest rate cap reduction and rising delinquency rates, create structural headwinds and uncertainty for QFIN.

Qfin Holdings, Inc. ( QFIN ) Q3 2025 Earnings Call November 18, 2025 7:30 PM EST Company Participants Karen Ji Haisheng Wu - CEO & Director Zuoli Xu - CFO & Director Conference Call Participants Chiyao Huang - Morgan Stanley, Research Division Lihan Yu - JPMorgan Chase & Co, Research Division Xiaoxiong Ye - UBS Investment Bank, Research Division Emma Xu - BofA Securities, Research Division Yun-Yin Wang - China Renaissance, Research Division Presentation Operator Ladies and gentlemen, thank you for standing by, and welcome to the Qfin Holdings Third Quarter 2025 Earnings Conference Call. [Operator Instructions] Please also note today's event is being recorded.

Qfin Holdings Inc. - Sponsored ADR (QFIN) came out with quarterly earnings of $1.52 per share, missing the Zacks Consensus Estimate of $1.68 per share. This compares to earnings of $1.74 per share a year ago.

SHANGHAI, China, Nov. 18, 2025 (GLOBE NEWSWIRE) -- Qfin Holdings, Inc. (NASDAQ: QFIN; HKEx: 3660) (“Qfin Holdings” or the “Company”), a leading AI-empowered Credit-Tech platform in China, today announced its unaudited financial results for the third quarter ended September 30, 2025.

The Undercovered Dozen series spotlights 12 lesser-known stocks highlighted in recent Seeking Alpha articles. This week's edition covers articles published between Oct. 31 and Nov. 7, offering fresh investment ideas. The series aims to inspire discussion and help investors discover overlooked opportunities in the market.

SHANGHAI, China, Nov. 06, 2025 (GLOBE NEWSWIRE) -- Qfin Holdings, Inc. (NASDAQ: QFIN; HKEx: 3660) (“Qfin Holdings” or the “Company”), a leading AI-empowered Credit-Tech platform in China, today announced that it will report its unaudited financial results for the third quarter ended September 30, 2025, after U.S. markets close on Tuesday, November 18, 2025.