Stock QFIN QIFU TECHNOLOGY, INC.
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Financials Qifu Technology, Inc.

Equities

QFIN

US88557W1018

Consumer Lending

Real-time Estimate Cboe BZX
Other stock markets
 10:35:06 2024-05-01 EDT 		5-day change 1st Jan Change
18.52 USD +1.28% Intraday chart for Qifu Technology, Inc. -1.60% +16.50%
04-03 Qifu Technology Launches $350 Million Share Buyback Plan MT
03-20 Asian Equities Traded in the US as American Depositary Receipts Higher in Wednesday Trading MT

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 10,294 11,702 22,512 19,799 18,129 20,554 - -
Enterprise Value (EV) 1 10,294 7,470 16,793 12,726 18,129 36,767 23,927 41,088
P/E ratio - 3.37 x 4.05 x 5.62 x 4.31 x 4.4 x 3.82 x 3.3 x
Yield - - 2.35% 3.57% - 6.56% 7.37% 8.27%
Capitalization / Revenue 1.12 x 0.86 x 1.35 x 1.2 x 1.11 x 1.23 x 1.14 x 1.07 x
EV / Revenue 1.12 x 0.55 x 1.01 x 0.77 x 1.11 x 2.21 x 1.33 x 2.14 x
EV / EBITDA - - 2.45 x - - 6.6 x 3.74 x 5.52 x
EV / FCF - 1.41 x 2.91 x - - 11.7 x 11.8 x 13 x
FCF Yield - 71.1% 34.3% - - 8.56% 8.48% 7.67%
Price to Book 2.77 x 1.24 x 1.49 x 1.2 x - 0.81 x 0.7 x 0.6 x
Nbr of stocks (in thousands) 151,354 152,112 154,560 140,991 161,465 155,254 - -
Reference price 2 68.02 76.93 145.7 140.4 112.3 132.4 132.4 132.4
Announcement Date 20-03-30 21-03-15 22-03-10 23-03-09 24-03-12 - - -
1CNY in Million2CNY
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 9,220 13,564 16,636 16,554 16,290 16,671 18,035 19,169
EBITDA 1 - - 6,852 - - 5,570 6,397 7,441
EBIT 1 3,144 4,091 7,040 4,672 4,857 5,453 6,304 7,199
Operating Margin 34.1% 30.16% 42.32% 28.22% 29.82% 32.71% 34.95% 37.56%
Earnings before Tax (EBT) 1 2,967 4,082 7,023 4,742 5,277 5,746 6,485 7,208
Net income 1 2,502 3,497 5,782 4,024 4,285 4,736 5,334 5,918
Net margin 27.13% 25.78% 34.76% 24.31% 26.31% 28.41% 29.58% 30.87%
EPS 2 - 22.80 35.98 25.00 26.08 30.09 34.63 40.15
Free Cash Flow 1 - 5,311 5,764 - - 3,149 2,029 3,153
FCF margin - 39.15% 34.65% - - 18.89% 11.25% 16.45%
FCF Conversion (EBITDA) - - 84.13% - - 56.53% 31.72% 42.37%
FCF Conversion (Net income) - 151.88% 99.7% - - 66.49% 38.04% 53.28%
Dividend per Share 2 - - 3.423 5.014 - 8.681 9.758 10.95
Announcement Date 20-03-30 21-03-15 22-03-10 23-03-09 24-03-12 - - -
1CNY in Million2CNY
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 4,613 4,422 - - 4,144 3,907 3,599 3,914 4,281 4,496 - - - - -
EBITDA - - - - - - - - - - - - - - -
EBIT 1,894 - 1,359 1,011 1,158 995.2 1,007 1,182 1,389 1,280 - - - - -
Operating Margin 41.05% - - - 27.95% 25.48% 27.98% 30.18% 32.44% 28.46% - - - - -
Earnings before Tax (EBT) 1,923 - 1,391 1,155 1,172 1,025 1,102 1,366 1,478 1,331 - - - - -
Net income 1,564 1,323 1,179 - 992.8 872 934.1 1,097 1,142 1,112 - - - - -
Net margin 33.91% 29.91% - - 23.96% 22.32% 25.95% 28.04% 26.68% 24.73% - - - - -
EPS 1 9.740 8.220 7.360 6.120 6.180 5.380 5.640 6.640 6.940 6.880 7.770 8.150 7.950 7.160 8.430
Dividend per Share 0.8936 - 1.464 1.222 1.145 1.114 - 3.639 - - - - - - -
Announcement Date 21-11-15 22-03-10 22-05-24 22-08-18 22-11-13 23-03-09 23-05-18 23-08-21 23-11-16 24-03-12 - - - - -
1CNY
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt 1 - - - - - 16,213 3,373 20,534
Net Cash position 1 - 4,232 5,719 7,073 - - - -
Leverage (Debt/EBITDA) - - - - - 2.911 x 0.5273 x 2.76 x
Free Cash Flow 1 - 5,311 5,764 - - 3,149 2,029 3,153
ROE (net income / shareholders' equity) 42.9% 41.9% 46.8% 23.6% - 20.1% 19.7% 18.8%
ROA (Net income/ Total Assets) 18.1% 15.6% 20% 10.9% - 10.1% 10.5% 11.2%
Assets 1 13,852 22,371 28,946 36,924 - 46,978 50,769 52,646
Book Value Per Share 2 24.60 62.30 97.90 117.0 - 163.0 188.0 219.0
Cash Flow per Share 2 - - 18.00 36.80 - 26.90 28.10 40.50
Capex 1 - 15.3 25.3 - - 148 229 -
Capex / Sales - 0.11% 0.15% - - 0.89% 1.27% -
Announcement Date 20-03-30 21-03-15 22-03-10 23-03-09 24-03-12 - - -
1CNY in Million2CNY
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Qifu Technology, Inc.

Trading Rating
Investor Rating
ESG Refinitiv
D+
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
14
Last Close Price
132.4 CNY
Average target price
164.3 CNY
Spread / Average Target
+24.11%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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