QFIN

QfinB

Nasdaq / Financial Services

At close

2026-06-02

Current thesis

The bull case is that Q1 profitability remained resilient despite lower volumes, risk metrics showed some management-cited improvement, the convertible-note repurchase improves balance-sheet flexibility, and the stock still trades well below the packet's undated median target of $29.9103.

Posture

Constructive

Lead driver

Sentiment

What changed

Sentiment remains the lead driver in the composite.

What can break

Overseas expansion remains pilot-scale with limited near-term contribution.

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $17.25 · Bull $29.91 · Bear $10.75

Data freshness

Prices

As of 2026-06-02

Fundamentals

As of 2026-06-01 • Vendor: Data Vendor v1

Scores

As of 2026-06-02 • Model: HYBRID_IC_RP

AI Memo

As of 2026-05-29 • Model: RankAlpha Sentiment Codex

Investment thesis

As of 2026-06-02

Supporting evidence

What

Grade B · Constructive

Confidence Medium · Net Neutral

Target $29.91

Why

Momentum55 · Δ7d +37.0

Value60 · Δ7d -2.2

Sentiment61 · Δ7d -

So what

Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Lead driver: Sentiment · See AI snapshot

Momentum

34% active weight

Current posture

7d trendImproving

Δ7d

+37.0

Δ21d

+39.9

Value

32% active weight

Current posture

7d trendSoftening

Δ7d

-2.2

Δ21d

-1.7

Sentiment

33% active weight

Current posture

7d trendImproving

Δ7d

Δ21d

Why this grade

Composite grade B. Momentum 54.8 / Value 60.4 / Sentiment 61.0

Fundamentals (TTM)

As of 2026-06-01

Market Cap

$1.93B

Beta

0.58

Shares Out

260.37M

P/E (TTM)

2.6

P/S (TTM)

0.90

P/FCF (TTM)

1.66

Rev YoY

+19.1%

EPS YoY

+13.3%

Gross Margin

+84.7%

Op Margin

+39.3%

Net Debt

-$900.21M

Current Ratio

2.94

As of 2026-06-02 • Updated nightlySource: Internal modelMethodology