360 Finance (QFIN)
What the price implies
A reverse DCF: instead of guessing a fair value, it asks what growth today's price already assumes. How it works.
Fundamental grade
Five factors scored 1 to 9 from QFIN's latest numbers, weighted into one grade. It describes the business, not whether the stock is a buy.
Key numbers
Results from SEC filings
Fiscal years, from 360 Finance's 10-K filings. Ten years of the full income statement, balance sheet and cash flow.
| Fiscal year | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $16.6B | $16.6B | $16.3B | $17.2B | $19.2B |
| Net income | $5.8B | $4.0B | $4.3B | $6.3B | $6.0B |
| Free cash flow | $5.8B | $5.9B | $7.0B | $9.2B | $10.8B |
| EPS (diluted) | $17.99 | $12.50 | $13.04 | $20.64 | $22.01 |
| Operating margin | 40.8% | 27.0% | 29.8% | 43.9% | 34.8% |
Where the revenue comes from
Revenue by products, fiscal 2025. Every breakdown, year by year.
Superinvestors who own QFIN
From each investor's latest 13F filing (what a 13F shows).
Insider buying
Open-market purchases by 360 Finance's executives and directors in the last 12 months, from SEC Form 4 filings. What insider buying tells you.
| Date | Insider | Shares | Price | Value |
|---|---|---|---|---|
| Mar 27, 2026 | Xiaohuan Chen |
190,000 | $12.89 | $2M |
Get an alert at your buy price
Pick the price you'd be interested at. We'll email you when QFIN trades at or below it.
New accounts get 7 days of Pro, price alerts included. No card needed.
In the full deep dive
Questions
Are 360 Finance insiders buying the stock?
1 open-market insider purchase of QFIN in the last 12 months, from SEC Form 4 filings.
Companies like 360 Finance
All Financial Services stocks · Credit Services stocks · Stock lists
Prices and ratios as of Oct 11, 2026; statements from SEC filings. Information only, not investment advice. Superinvestor holdings come from 13F filings, which are filed up to 45 days after each quarter ends.