QFIN

QfinC

Nasdaq / Financial Services

At close

2026-07-18

Current thesis

The best bullish read is that QFIN is sacrificing near-term growth to improve borrower mix, credit outcomes, and balance-sheet resilience. Q1 showed better leading risk indicators, strong cash generation, and meaningful convertible-note repurchases while platform-services revenue improved sequentially.

Posture

Mixed

Lead driver

Value

What changed

Value remains the lead driver in the composite, 7D delta +0.0.

What can break

Capital-light and overseas expansion are still early and may not scale fast enough to offset core domestic pressure. [#IR-2026-05-26][#SEC-6K-2026-05-27]

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $15.80 · Bull $21.50 · Bear $11.20

Data freshness

Prices

As of 2026-07-18

Fundamentals

As of 2026-07-17 • Vendor: Data Vendor v1

Scores

As of 2026-07-18 • Model: HYBRID_IC_RP

AI Memo

As of 2026-06-26 • Model: RankAlpha Sentiment Codex

Investment thesis

As of 2026-07-18

Supporting evidence

What

Grade C · Mixed

Confidence Medium · Net Neutral

Target $21.81

Why

Momentum18 · Δ7d -27.0

Value64 · Δ7d +0.0

Sentiment67 · Δ7d -0.4

So what

Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Lead driver: Value · See fundamentals

Momentum

26% active weight

Current posture

7d trendSoftening

Δ7d

-27.0

Δ21d

-58.6

Value

39% active weight

Current posture

7d trendFlat

Δ7d

+0.0

Δ21d

-0.1

Sentiment

34% active weight

Current posture

7d trendFlat

Δ7d

-0.4

Δ21d

+21.7

Why this grade

Composite grade C. Momentum 17.8 / Value 64.3 / Sentiment 66.8

Fundamentals (TTM)

As of 2026-07-17

Market Cap

$1.5B

Beta

0.58

Shares Out

121.91M

P/E (TTM)

2.6

P/S (TTM)

0.90

P/FCF (TTM)

1.66

Rev YoY

-12.4%

EPS YoY

-40.3%

Gross Margin

+80.1%

Op Margin

+39.3%

Net Debt

-$871.75M

Current Ratio

0.69

As of 2026-07-18 • Updated nightlySource: Internal modelMethodology