Qfin Holdings Inc (QFIN) Stock Analysis
Verdict: WATCH (do not buy)
A massive Q2 EPS miss (-46%) and JPM downgrade to Underweight trigger severe earnings execution risk, overshadowing cheap TTM valuation.
Investment score: 42/100
Analysis as of
Is Qfin Holdings Inc stock worth reviewing? AI model thesis
The model score of 42/100 falls in the HOLD range. The central thesis and factor breakdown explain the assessment.
7-factor investment score
- Valuation: 70/100 (weight 20%)
- Financial Health: 55/100 (weight 15%)
- Technical Momentum: 15/100 (weight 15%)
- Earnings Quality: 20/100 (weight 15%)
- Insider Sentiment: 50/100 (weight 10%)
- Analyst Consensus: 45/100 (weight 10%)
- Risk-Adjusted Return: 35/100 (weight 15%)
Qfin Holdings Inc opportunities and risks
What speaks for QFIN
- Deep Trailing Valuation Multiple Discount
What speaks against QFIN
- Severe Earnings Breakdown and Asset Quality Deterioration
Peers and competitors
| Ticker | P/E | P/S | EV/EBITDA | Gross margin | Net margin | FCF yield |
|---|---|---|---|---|---|---|
| QFIN | 1.3x | 0.5x | 0.6x | 66.0% | 22.3% | 88.3% |
| LU | n/a | 0.5x | 6.0x | 32.6% | -8.4% | 167370.4% |
| Peer median | n/a | 0.5x | 6.0x | 32.6% | -8.4% | 167370.4% |
Frequently asked questions about Qfin Holdings Inc (QFIN)
Is QFIN stock a good investment?
The cached TradeMates AI model rates Qfin Holdings Inc as WATCH (do not buy) with an investment score of 42/100. The model score of 42/100 falls in the HOLD range. The central thesis and factor breakdown explain the assessment. This is algorithmic model output, not personal investment advice.
Is QFIN stock a buy?
The TradeMates model verdict for QFIN is WATCH (do not buy) with an investment score of 42/100. Treat this as a model signal to review, not a personal buy recommendation.