MARKET WIREYahoo Finance Australia • 1d ago
Qfin Holdings, Inc. (3660.HK) stock price, news, quote and historyYahoo Finance Australia report covering Qfin Holdings Inc. (QFIN) market action, institutional positioning, and fundamental catalysts.
Why QFIN Stock surged +3.48% Today — RQD Quant Desk Flash
$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
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Click Any Pre-Computed AI Quant Specialist Briefing on QFIN Below — or Connect Your Own ChatGPT / Claude
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Is QFIN stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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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?
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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:
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+
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+
Each axis scored 0–20
12M PRICE TARGET CONE-1.9% Base Target
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)Grade C+$5.75-4.7% Next Q
62
Q2 (-2Q)Grade C$5.48+3.6% Next Q
59
Q3 (-1Q)Grade C$5.68-5.8% Next Q
57
CurrentGrade D+$5.35-0.7% Hist 90D α
54
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
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”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why QFIN Stock surged +3.48% Today — RQD Quant Desk Flash
Qfin Holdings Inc. (QFIN) surged +3.48% to $5.35, trading at 2% of its 52-week range ($5.1 – $24.05). Stretched risk/reward at current multiples (27% return on capital) under elevated 10-year interest-rate pressure.
- ▸Technical Tape: Trading at 2% of its 52-week range ($5.1 – $24.05) with RSI-14 at 26.8 (OVERSOLD (<32)).
- ▸Volatility Profile: Historical 20-day realized swing band of ±9.6% around $5.35 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable D+ (Sell) backed by 52% gross margin and $1.6B annual free cash flow.
Live QFIN Headlines & Catalysts
RISK WATCHMorningstar • 1d ago
QFIN Stock Alert: Qfin Holdings Regulatory Issues and Subsequent 18% Stock Drop Trigger Securities Fraud Class Action for InvestorsMorningstar report covering Qfin Holdings Inc. (QFIN) market action, institutional positioning, and fundamental catalysts.
RISK WATCHThe Globe and Mail • 1d ago
Did You Lose Money Investing in Qfin Holdings, Inc.? Robbins LLP Reminds QFIN Investors with Large Losses to Contact the Firm for Information About Leading the Class Action LawsuitThe Globe and Mail report covering Qfin Holdings Inc. (QFIN) market action, institutional positioning, and fundamental catalysts.
MARKET WIRESimply Wall St • 1d ago
Qfin Holdings (NasdaqGS:QFIN) Stock Forecast & Analyst PredictionsSimply Wall St report covering Qfin Holdings Inc. (QFIN) market action, institutional positioning, and fundamental catalysts.
MARKET WIREMarketBeat • 1d ago
Qfin (NASDAQ:QFIN) Hits New 1-Year Low - Here's What HappenedMarketBeat report covering Qfin Holdings Inc. (QFIN) market action, institutional positioning, and fundamental catalysts.
MARKET WIREBenzinga • 2d ago
Lexin Faces Potential Nasdaq Delisting Amid Mounting Pressure For China Fintechs - Qfin Holdings (NASDAQBenzinga report covering Qfin Holdings Inc. (QFIN) market action, institutional positioning, and fundamental catalysts.
RISK WATCHMorningstar • 2d ago
What Should Qfin Holdings, Inc. Investors Know After 18.91% Stock Drop? The Law Offices of Frank R. Cruz Outlines Securities Fraud Class Action Lead Plaintiff DeadlineMorningstar report covering Qfin Holdings Inc. (QFIN) market action, institutional positioning, and fundamental catalysts.
RISK WATCHTradingView • 2d ago
Qfin Holdings Shares Slide 18% on Regulatory, Lawsuit NewsTradingView report covering Qfin Holdings Inc. (QFIN) market action, institutional positioning, and fundamental catalysts.
MARKET WIREYahoo • 6d ago
Asian Equities Traded in the US as American Depositary Receipts Decline in Wednesday TradingAsian equities traded in the US as American depositary receipts were lower Wednesday morning, declin
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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
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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
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK
QFIN Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
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 ENABLEDIs 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).
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
🟡 MARKET WIRE Yahoo Finance Australia • 1d ago
Qfin Holdings, Inc. (3660.HK) stock price, news, quote and history Yahoo Finance Australia report covering Qfin Holdings Inc. (QFIN) market action, institutional positioning, and fundamental catalysts.
🔴 RISK WATCH Morningstar • 1d ago
QFIN Stock Alert: Qfin Holdings Regulatory Issues and Subsequent 18% Stock Drop Trigger Securities Fraud Class Action for Investors Morningstar report covering Qfin Holdings Inc. (QFIN) market action, institutional positioning, and fundamental catalysts.
🔴 RISK WATCH The Globe and Mail • 1d ago
Did You Lose Money Investing in Qfin Holdings, Inc.? Robbins LLP Reminds QFIN Investors with Large Losses to Contact the Firm for Information About Leading the Class Action Lawsuit The Globe and Mail report covering Qfin Holdings Inc. (QFIN) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE Simply Wall St • 1d ago
Qfin Holdings (NasdaqGS:QFIN) Stock Forecast & Analyst Predictions Simply Wall St report covering Qfin Holdings Inc. (QFIN) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE MarketBeat • 1d ago
Qfin (NASDAQ:QFIN) Hits New 1-Year Low - Here's What Happened MarketBeat report covering Qfin Holdings Inc. (QFIN) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE Benzinga • 2d ago
Lexin Faces Potential Nasdaq Delisting Amid Mounting Pressure For China Fintechs - Qfin Holdings (NASDAQ Benzinga report covering Qfin Holdings Inc. (QFIN) market action, institutional positioning, and fundamental catalysts.
🔴 RISK WATCH Morningstar • 2d ago
What Should Qfin Holdings, Inc. Investors Know After 18.91% Stock Drop? The Law Offices of Frank R. Cruz Outlines Securities Fraud Class Action Lead Plaintiff Deadline Morningstar report covering Qfin Holdings Inc. (QFIN) market action, institutional positioning, and fundamental catalysts.
🔴 RISK WATCH TradingView • 2d ago
Qfin Holdings Shares Slide 18% on Regulatory, Lawsuit News TradingView report covering Qfin Holdings Inc. (QFIN) market action, institutional positioning, and fundamental catalysts.
🔥 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
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.