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Stock Ratings / Financials / QFIN
BTGO (40) VEL (50) TRON (26) GAIN (37) ⌘ Pro Terminal →

Qfin Holdings Inc. (QFIN) — RQD Stock Rating Cockpit

$5.35 +3.48% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $5.37

Qfin Holdings Inc. (QFIN) carries a Roarable Rating of D+ (Sell) with 54/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ • SELL / AVOID Cap $629.5M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on QFIN Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is QFIN stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, Qfin Holdings Inc. (NASDAQ: QFIN) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 54/100 at a spot price of $5.35 (+3.48% 1D, market cap $629.5M). Pillar breakdown: Fundamental Cash Engine 18/20, Institutional 13F & Options Flow 3/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 9/20, and Executive Insider Alignment 11/20. Across 1097 tracked Financials issuers, QFIN ranks #556 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does QFIN compare to BTGO and VEL in the Financials sector?
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Within the Financials sector (Finance: Consumer Services), QFIN carries a Roarable D+ (54/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 27.2%. By comparison, BTGO (BitGo Holdings Inc. (Class A)) holds a D- grade (40/100 RQD, P/E N/A, ROIC —, cap $624.2M) and VEL (Velocity Financial Inc.) posts a D grade (50/100 RQD, P/E 6.0x, ROIC 15.6%, cap $620.6M). Among the 5-stock peer group, VEL leads on earnings multiple (6.0x) while GAIN leads on capital efficiency (31.0% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for QFIN?
▼

Per QFIN's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001741530), Qfin Holdings Inc. generated $2.75B in revenue (+16.8% YoY), $0 in net income, and $1.58B in free cash flow against $8.14B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $5.37 (+0.44%)🧬 Cannibal Buyback (-0.96% YoY Shares)⚙️ Cash Engine: 18/20 (A) • 57.7% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 54/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.7% avg 90D alpha vs SPY • 51.0% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D+
025507510054
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw D+ · Rk D+
Cash (18)Whales (3)SEC (13)Macro (9)CEO (11)
Each axis scored 0–20
12M PRICE TARGET CONE-1.9% Base Target
$25 Bull$5 Base$4 Bear
📬 FREE QFIN RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for QFIN)Realized 20D OHLCV Swing Band: ±9.6%
Deterministic 5-Pillar Attribution (54/100 Composite)
🔍 WHY QFIN SCORES 54/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Cash Engine Quality+18/20 pts (33% of score)

SEC XBRL FY 2025 (10-K): 57.7% FCF Margin ($1.58B FCF) & 52% Gross Margin

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (24% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning4/20 pts (-16 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-16 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
62
Grade C+$5.75-4.7% Next Q
Q2 (-2Q)
59
Grade C$5.48+3.6% Next Q
Q3 (-1Q)
57
Grade C$5.68-5.8% Next Q
Current
54
Grade D+$5.35-0.7% Hist 90D α
Trajectory: C+ (62) → D+ (54)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a QFIN Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While QFIN currently carries a cautious 54/100 (D+) rating due to Whale & Options Positioning (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($7.09) and Max Pain ($5.62) forces dealer call-delta covering toward $25.25.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-0.96% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $QFIN• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “QFIN Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 54%NO 46%Trade / Inspect Odds →
RSI-14 MOMENTUMOVERSOLD (<32)
26.830 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCORESOLID CORE (5–6)
5 / 99-Pt Accounting
52-WEEK LASER RANGE2% OF RANGE
L: $5$5.35H: $24
1. Money & Cash Health● HEALTHY
Are profits real cash in the bank?

Real cash coming in backs up reported profits (steady margins and healthy balance-sheet cushion).

Factor Grade: ARQD 18 / 20
2. Big Money & Insiders● TRIMMING
Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: D-RQD 14 / 40
3. Hidden Risks & Market Weather● WATCH
SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: D+RQD 22 / 40
MULTI-MODEL QUANT PANEL DELIBERATION

Quant Analyst Panel Split (Battleground) on QFIN

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
BULLISH (90)

27.2% ROIC with 42.0% gross margin and 2.80% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
BEARISH (38)

14/40 institutional & smart-money positioning score with 9/20 macro alignment.

Bull Case: Why Buyers Like QFIN
  • ✓Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.
Bear Case: What Could Go Wrong
  • !Sensitive to high interest rates and tighter Federal Reserve market liquidity.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring QFIN)

  • ✓Walkthrough of QFIN's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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QFIN // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -60.01%▼ DESCENDING CHANNEL
2026-11-03O $5.27H $5.35L $5.17C $5.35VOL 1.73M
RES: $9.24SUP: $3.79SMA50: $7.09SMA200: $12.34
$22.89$18.07$13.25$8.43$3.60RES $9.24SUP $3.79$5.352026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

QFIN Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 QFIN Butterfly Map → + Track QFIN →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
8.0%/yr Implied 5Y Growth

vs. +16.8% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on QFIN today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for QFIN. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for QFIN today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (QFIN)

Financials Rank #556 of 1097 ⚔️ BTGO vs QFIN Full Matrix →

1. Head-to-Head Financials Peer Comparison (QFIN vs. BTGO, VEL, TRON, GAIN)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Qfin Holdings Inc. (QFIN) ranks #556 by composite RQD confidence (54/100, grade D+) and #652 by equity capitalization ($629.5M). Within this direct 5-issuer industry benchmark cohort, VEL leads on earnings valuation at 6.0x trailing P/E, while GAIN leads on capital efficiency and profitability with 31.0% ROIC and — gross margin. QFIN currently leads its immediate peer cohort in composite quantitative strength at 54/100 (D+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
QFIN ACTIVE
Qfin Holdings Inc.
D+ 54/100 — — 27.2% +3.48% $629.5M Benchmark Subject
BTGO
BitGo Holdings Inc. (Class A)
D- 40/100 — — — -3.39% $624.2M /btgo-vs-qfin →
VEL
Velocity Financial Inc.
D 50/100 6.0x — 15.6% +2.67% $620.6M /vel-vs-qfin →
TRON
Tron Inc.
E 26/100 — — -0.9% +2.75% $604.8M /tron-vs-qfin →
GAIN
Gladstone Investment Corporation Business Development Company
D- 37/100 — — 31.0% +0.73% $603.7M /gain-vs-qfin →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001741530 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Qfin Holdings Inc. (QFIN) reported GAAP revenue of $2.75B (+16.8% vs. FY2024 revenue of $2.35B , and +19.7% cumulative change since FY2023) , GAAP net income of $0, operating cash flow of $1.58B, and free cash flow of $1.58B (+23.8% YoY). On the balance sheet, QFIN closed FY2025 with $8.14B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $2.75B $0 $1.58B $1.58B $8.14B —
FY2024 (FY) 2024-12-31 $2.35B $0 $1.28B $1.28B $6.59B —
FY2023 (FY) 2023-12-31 $2.29B $0 $1.00B $1.00B — —

3. QFIN Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is QFIN stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Qfin Holdings Inc. (NASDAQ: QFIN) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 54/100 at a spot price of $5.35 (+3.48% 1D, market cap $629.5M). Pillar breakdown: Fundamental Cash Engine 18/20, Institutional 13F & Options Flow 3/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 9/20, and Executive Insider Alignment 11/20. Across 1097 tracked Financials issuers, QFIN ranks #556 in composite RQD confidence.

How does QFIN compare to BTGO and VEL in the Financials sector?

Within the Financials sector (Finance: Consumer Services), QFIN carries a Roarable D+ (54/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 27.2%. By comparison, BTGO (BitGo Holdings Inc. (Class A)) holds a D- grade (40/100 RQD, P/E N/A, ROIC —, cap $624.2M) and VEL (Velocity Financial Inc.) posts a D grade (50/100 RQD, P/E 6.0x, ROIC 15.6%, cap $620.6M). Among the 5-stock peer group, VEL leads on earnings multiple (6.0x) while GAIN leads on capital efficiency (31.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for QFIN?

Per QFIN's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001741530), Qfin Holdings Inc. generated $2.75B in revenue (+16.8% YoY), $0 in net income, and $1.58B in free cash flow against $8.14B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

Where is QFIN trading relative to its 50-day, 200-day, and 52-week technical levels?

QFIN last traded at $5.35 (+3.48% on volume of 1,689,847 shares), positioning the stock -24.54% below its 50-day simple moving average ($7.09) and -56.65% below its 200-day simple moving average ($12.34). Across its 52-week range of $5.10 to $24.05, QFIN sits at the 1.3% percentile with a 14-day RSI of 26.8 (OVERSOLD (<32)) and an implied next-earnings move of ±9.6% ($4.84 to $5.86).

Direct Sub-Reports: QFIN RQD Cockpit QFIN 12M Forecast QFIN Earnings & Move QFIN Dividends & DRIP QFIN Insiders & 13F QFIN Whale Options QFIN Profit Sankey QFIN News & Why
ROARABLE RATING BRIEF • RQD 54/100 (D+) ✓ SEC XBRL & RQD VERIFIED

QFIN — Qfin Holdings Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Qfin Holdings Inc. (QFIN) earns a live Roarable RQD composite score of 54/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $5.35 (+3.48% 1D, market capitalization $629.5M).

  • Fundamental Cash Engine (18/20): Anchored by return on invested capital (ROIC) of 27.2%, gross margin of —, operating margin of 34.8%, and free cash flow yield of —.
  • Whale 13F & Options Flow (3/20) + Insider Conviction (11/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (9/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Qfin Holdings Inc. Is a NASDAQ-listed issuer classified under the Financials sector and the Finance: Consumer Services industry.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Qfin Holdings Inc. (QFIN) reported $2.75B in annual revenue (up from $2.35B in FY2024, +16.8% YoY) and $0 in GAAP net income. Over the multi-year SEC filing window from FY2023 ($2.29B revenue, $0 net income) through FY2025, QFIN scaled operating cash flow to $1.58B and free cash flow to $1.58B, backed by $8.14B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D+ • RQD 54/100): Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Free cash flow yield of — and institutional whale pillar of 3/20. With Fundamental Cash Engine at 18/20 and Institutional Whale Flow at 3/20, sustained execution supports upside toward the upper end of the $5.10 – $24.05 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh current valuation against 34.8% operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

— The Butterfly Supply-Chain Graph lists no upstream or downstream links, no sector correlation data, and no proprietary signals.

  • Key Question #1: Can QFIN sustain or expand its 34.8% operating margin and 27.2% ROIC against Finance: Consumer Services peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $2.75B and free cash flow of $1.58B, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is QFIN's equity valuation to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

QFIN Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Qfin Holdings Inc. (QFIN) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to QFIN Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

QFIN Bull vs. Bear Conversation Board — What's Your Call at $5.35?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON QFIN 🐻 33% BEARISH CONVICTION
1. Pick Your Side on QFIN:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
BR BreakoutHunter RQD DEBATE OPENER • Swing & Catalyst Trader 🐂 BULLISH 🎯 Target: $6.41 (+24.0%)
📌 Pinned Debate

Reported FY 2025 FCF of $1.58B against a $641.6M market cap, with ROIC at 27.2%, points to strong cash generation relative to the equ

Here is why I am bullish on QFIN here at $5.17: Reported FY 2025 FCF of $1.58B against a $641.6M market cap, with ROIC at 27.2%, points to strong cash generation relative to the equity value.. Compare QFIN's 34.8% operating margin and 27.2% ROIC against the rest of Finance: Consumer Services. As long as cash conversion holds up, dips toward $4.91 are getting bought.

EarningsSniper 🐂 BULL

@SkepticalCFA Shorting a 3/20 institutional whale-flow stock at $5.17 is dangerous when funds are rotating into Financials.

SK SkepticalCFA RQD DEBATE OPENER • Fundamental Contrarian 🐻 BEARISH 🎯 Target: $3.88 (-25.0%)
Spot @ $5.17

The RQD rating scores Whale 13F Flow at 3/20 and Macro Regime Fit at 9/20 while cited regulatory and class action headlines add legal o

Careful chasing QFIN at $5.17. The RQD rating scores Whale 13F Flow at 3/20 and Macro Regime Fit at 9/20 while cited regulatory and class action headlines add legal overhang.. Gross margin is 0.0%, but operating margin is 34.8%, which shows SG&A and reinvestment are eating into bottom-line EPS. Target $3.88 on multiple compression.

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