- ISIN
- US88557W1018
- CUSIP
- 88557W101
- Sector
- Financial Services
- Industry
- Credit Services
- IPO Date
- Dec 14, 2018
Highlights
- Market Cap
- $932.88M
- Enterprise Value
- $147.01M
- EPS (TTM)
- CN¥51.00
- PE Ratio
- 2.01
- PEG Ratio
- 0.06
- Total Revenue (TTM)
- CN¥17.46B
- Gross Profit (TTM)
- CN¥12.90B
- EBITDA (TTM)
- CN¥6.93B
- Year Range
- $11.31 - $46.18
- Target Price
- $15.33
- ROA (TTM)
- 9.36%
- ROE (TTM)
- 20.80%
Share Price Chart
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Performance
QFIN Performance Chart
360 DigiTech, Inc. (QFIN) is down 16.7% since the beginning of the year. At $15 per share, QFIN is trading 67.2% below its 52-week high of $46. Investors who bought $1,000 worth of QFIN shares 5 years ago would now be looking at an investment worth $482.
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Returns By Period
360 DigiTech, Inc. (QFIN) has returned -16.74% so far this year and -61.51% over the past 12 months.
360 DigiTech, Inc.
- 1D
- -0.46%
- 1M
- 29.96%
- YTD
- -16.74%
- 6M
- -17.51%
- 1Y
- -61.51%
- 3Y*
- 6.02%
- 5Y*
- -13.57%
- 10Y*
- —
Benchmark (S&P 500 Index)
- 1D
- -0.37%
- 1M
- -0.01%
- YTD
- 9.16%
- 6M
- 8.64%
- 1Y
- 25.22%
- 3Y*
- 19.78%
- 5Y*
- 11.99%
- 10Y*
- 13.88%
QFIN Monthly Returns History
Based on dividend-adjusted daily data since Dec 14, 2018, QFIN's average daily return is +0.11%, while the average monthly return is +1.67%. At this rate, an investment would double in approximately 3.5 years.
Historically, 51% of months were positive and 49% were negative. The best month was Nov 2022 with a return of +54.4%, while the worst month was Jul 2021 at -49.2%. The longest winning streak lasted 14 consecutive months, and the longest losing streak was 6 months.
On a daily basis, QFIN closed higher 48% of trading days. The best single day was Mar 16, 2022 with a return of +43.7%, while the worst single day was Oct 24, 2022 at -22.6%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -19.30% | -6.37% | -11.33% | 7.36% | 22.94% | -5.85% | -16.74% | ||||||
| 2025 | 3.96% | 0.45% | 12.05% | -6.92% | 0.17% | 5.50% | -20.83% | -15.18% | 1.51% | -16.09% | -19.13% | -1.33% | -47.46% |
| 2024 | -9.29% | 7.67% | 19.29% | 5.22% | 5.63% | 2.12% | 2.94% | 30.43% | 14.96% | 10.06% | 16.15% | 0.71% | 162.76% |
| 2023 | 18.52% | -15.62% | -4.72% | -8.30% | -22.05% | 25.67% | 15.51% | -14.83% | -3.47% | -3.71% | 4.94% | 1.93% | -16.28% |
| 2022 | -13.69% | -5.26% | -17.92% | -4.75% | 9.01% | 11.50% | -16.07% | 10.06% | -18.75% | -20.75% | 54.43% | 30.95% | -6.54% |
| 2021 | 47.58% | 34.66% | 11.01% | -1.54% | 9.61% | 49.06% | -49.21% | 7.29% | -10.88% | 0.44% | 14.06% | -0.16% | 97.15% |
Benchmark Metrics
360 DigiTech, Inc. has an annualized alpha of 12.46%, beta of 1.05, and R2 of 0.08 versus S&P 500 Index. Calculated based on daily prices since December 14, 2018.
- This stock participated in 58.40% of S&P 500 Index downside but only 32.99% of its upside - more exposed to losses than it benefited from rallies.
- R2 of 0.08 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.
- Alpha
- 12.46%
- Beta
- 1.05
- R²
- 0.08
- Upside Capture
- 32.99%
- Downside Capture
- 58.40%
Return for Risk
Risk / Return Rank
QFIN ranks 7 for risk / return — in the bottom 7% of stocks on our site. This means you're taking on significantly more risk than the returns justify. Consider whether the potential upside is worth the volatility, or explore alternatives with better risk / return profiles.
Return / Risk — by metrics
The table below present risk-adjusted performance metrics for 360 DigiTech, Inc. (QFIN) and compare them to S&P 500 Index.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| QFIN | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -3.15 | ||
| Sortino ratioReturn per unit of downside risk | -4.85 | ||
| Omega ratioGain probability vs. loss probability | 0.76 | 1.37 | -0.61 |
| Calmar ratioReturn relative to maximum drawdown | -0.85 | 2.78 | -3.64 |
| Martin ratioReturn relative to average drawdown | -1.14 | 12.44 | -13.58 |
Dividends
Dividend History
360 DigiTech, Inc. provided a 10.17% dividend yield over the last twelve months, with an annual payout of $1.54 per share.
| Period | TTM | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Dividend | $1.54 | $1.46 | $1.75 | $1.15 | $0.82 | $0.28 |
Dividend yield | 10.17% | 7.58% | 4.56% | 7.27% | 4.03% | 1.22% |
Monthly Dividends
The table displays the monthly dividend distributions for 360 DigiTech, Inc.. The dividends shown in the table have been adjusted to account for any splits that may have occurred.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | $0.00 | $0.00 | $0.00 | $0.78 | $0.00 | $0.00 | $0.78 | ||||||
| 2025 | $0.00 | $0.00 | $0.00 | $0.70 | $0.00 | $0.00 | $0.00 | $0.00 | $0.76 | $0.00 | $0.00 | $0.00 | $1.46 |
| 2024 | $0.00 | $0.00 | $0.00 | $1.15 | $0.00 | $0.00 | $0.00 | $0.00 | $0.60 | $0.00 | $0.00 | $0.00 | $1.75 |
| 2023 | $0.00 | $0.00 | $0.00 | $0.16 | $0.00 | $0.00 | $0.00 | $0.00 | $0.99 | $0.00 | $0.00 | $0.00 | $1.15 |
| 2022 | $0.00 | $0.00 | $0.00 | $0.26 | $0.00 | $0.22 | $0.00 | $0.00 | $0.18 | $0.00 | $0.00 | $0.16 | $0.82 |
| 2021 | $0.28 | $0.28 |
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
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Worst Drawdowns
The table below displays the maximum drawdowns of the 360 DigiTech, Inc.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the 360 DigiTech, Inc. was 76.74%, occurring on Oct 25, 2022. Recovery took 525 trading sessions.
The current 360 DigiTech, Inc. drawdown is 65.11%.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
Bear market2022 | -76.74%Oct 2022 | 1y 4mo | 2y 1mo | 3y 5moJun 2021 - Nov 2024 |
2026 bear market2026 | -73.15%May 2026 | 1y 1mo | — | 1y 2moMar 2025 - now |
COVID crash2020 | -72.99%Mar 2020 | 11mo 6d | 10mo 24d | 1y 9moApr 2019 - Feb 2021 |
2019 bear market2019 | -40.21%Jan 2019 | 1mo 1d | 1mo 12d | 2mo 13dDec 2018 - Feb 2019 |
2021 bear market2021 | -34.99%May 2021 | 1mo 25d | 19d | 2mo 14dMar 2021 - Jun 2021 |
Drawdown Indicators
| QFIN | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -76.74% | -56.78% | -19.96% |
Max Drawdown (1Y)Largest decline over 1 year | -72.31% | -9.10% | -63.21% |
Max Drawdown (3Y)Largest decline over 3 years | -73.15% | -18.90% | -54.25% |
Max Drawdown (5Y)Largest decline over 5 years | -76.13% | -25.43% | -50.70% |
Max Drawdown (10Y)Largest decline over 10 years | — | -33.92% | — |
Current DrawdownCurrent decline from peak | -65.11% | -1.80% | -63.31% |
Average DrawdownAverage peak-to-trough decline | -45.60% | -10.71% | -34.89% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 53.77% | 2.03% | +51.74% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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Financials
Financial Performance
The chart below illustrates the trends in the financial health of 360 DigiTech, Inc. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.
Valuation
The Valuation section provides an overview of how 360 DigiTech, Inc. is priced in the market compared to other companies in the Credit Services industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.
PE Ratio
The chart displays the Price-to-Earnings (P/E) ratio for QFIN, comparing it with other companies in the Credit Services industry. Currently, QFIN has a P/E ratio of 2.0. This P/E ratio is considered low compared to industry peers, which may suggest that the stock is undervalued or that the company has weaker growth prospects.
PEG Ratio
The chart shows the Price/Earnings to Growth (PEG) ratio for QFIN compared to other companies in the Credit Services industry. QFIN currently has a PEG ratio of 0.1. This PEG ratio is low compared to industry peers, which could indicate the stock is undervalued relative to its expected growth.
PS Ratio
This chart shows the Price-to-Sales (P/S) ratio for QFIN relative to other companies in the Credit Services industry. Currently, QFIN has a P/S ratio of 0.6. This P/S ratio falls within the average range for the industry, suggesting the stock is fairly valued based on its revenue.
PB Ratio
The chart illustrates the Price-to-Book (P/B) ratio for QFIN in comparison with other companies in the Credit Services industry. Currently, QFIN has a P/B value of 0.3. This P/B ratio is low compared to industry peers. It might indicate the stock is undervalued or that the company’s assets are not expected to generate strong returns.
Income Statement
| TTM | |
|---|---|
Revenue | — |
Total Revenue | — |
Cost Of Revenue | — |
Gross Profit | — |
Operating Expenses | — |
Selling, General & Admin Expenses | — |
R&D Expenses | — |
Depreciation And Amortization | — |
Total Operating Expenses | — |
Income | — |
Income Before Tax | — |
Operating Income | — |
EBITDA | — |
EBIT | — |
Earnings From Continuing Operations | — |
Net Income | — |
Income Tax Expense | — |
Other Non-Operating Income (Expenses) | — |
Extraordinary Items | — |
Discontinued Operations | — |
Effect Of Accounting Charges | — |
Non Recurring | — |
Minority Interest | — |
Other Items | — |
Interest Income | — |
Interest Expense | — |
Net Interest Income | — |
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