Stock fact sheet · data as of
Qfin Holdings, Inc. (QFIN): fair value, margin of safety and Wheel Score
Financial Services · Financial - Credit Services · China · ADR · High Yield Income
Is QFIN undervalued?
At 5.69 (close of 16 Oct 2026), QFIN trades 98% below the GLS average fair value of 254.77. That average comes from 9 models run on the latest filings, and 9 of them land above the current price. Margins of safety over 30% are the exception rather than the rule across the ~7,400 stocks we value each night, so the number earns Qfin Holdings, Inc. the full Value points in the Wheel Score - and a closer look at what the market is pricing in.
The 9 models disagree widely: EPV gives 44.21 while 10 Cap gives 972.49. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
The nightly engine files QFIN under High Yield Income: a dividend yield above 4%.
Nine valuation models for QFIN
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 158.33 | +2683% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 162.46 | +2755% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 140.78 | +2374% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 55.08 | +868% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 243.60 | +4181% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 972.49 | +16991% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 393.90 | +6823% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 122.08 | +2046% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 44.21 | +677% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -162.09 | -2949% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 14.18 | +149% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is average - QFIN passes 6 of the nine Piotroski tests, which passes the Sunday Scan's "6 or more" rule. The Financials tab on the Quote page shows which tests fail. The GLS Moat score is 7.2 out of 10: a ten-year record that is consistent in some of the metrics the score tracks (revenue, earnings, margins, cash flow, returns on capital) and patchy in others.
Returns on capital are high - ROIC 21.4%, ROE 24.8%, ROA 10.5% - with debt at 0.16 times equity and a free-cash-flow yield of 114.7%.
The dividend yield is high at 21.79% (payout ratio 0%). A yield this size is often the market's way of pricing a risk to the payout, so the health score and cash flow matter more than usual. Revenue comes mainly from Credit Risk Taking Model 35%, Financial Service 21%, Platform Service 13% (fiscal year FY2025).
Institutional ownership scores 10/10, insider activity 3/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 6 / 9 | ROIC | 21.4% |
|---|---|---|---|
| GLS Moat | 7.2 / 10 | ROE | 24.8% |
| Debt / equity | 0.16 | ROA | 10.5% |
| Free-cash-flow yield | 114.7% | Payout ratio | 0% |
| Institutions | 10 / 10 | Insiders · Congress | 3 · 5 / 10 |
Wheel Score 82: Prime
QFIN scores 82 out of 100 on the Wheel Score, in the Prime band (80 and above), which fewer than one stock in twenty reaches on any night. The score blends five things a wheel trader checks before selling a cash-secured put: the margin of safety (Value, 25/25), Piotroski health (13/20), the GLS moat (11/15), the option premium on offer (17/20) and how easily the stock trades (15/20).
Implied volatility is 72% on the near-the-money contracts 20-60 days out - above the 60% ceiling of the sweet spot. Premiums are large, but the Wheel Score tapers the Premium points (17 of 20) because volatility this high usually comes with a reason. Chain open interest is 35,599 contracts across all expiries - enough for the wheel at normal size.
Volume runs at 2.0M shares a day on a market cap of $741M, with a beta of 0.56 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 15 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 25 / 25 | 98% margin of safety | |
| Health | 13 / 20 | Piotroski 6/9 | |
| Moat | 11 / 15 | moat 7.2/10 | |
| Premium | 17 / 20 | implied volatility 72% | |
| Stability | 15 / 20 | 2.0M shares/day, $741M cap, beta 0.56 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 18 Nov 2026 (after the close), 33 days away; a 30-45-day put sold today would expire after it, which is worth weighing against the premium.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Financial - Credit Services
The 12 companies below are the closest to Qfin Holdings, Inc. by market cap within the Financial - Credit Services industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| PRAA PRA Group, Inc. | 19.81 | 5.98 | -231% | 45Weak | $746M |
| LU Lufax Holding Ltd | 0.8835 | 294,618.71 | +100% | 45Weak | $766M |
| FINV FinVolution Group | 3.16 | 52.44 | +94% | 72Good | $784M |
| GDOT Green Dot Corporation | 12.26 | 48.58 | +75% | 45Weak | $699M |
| WRLD World Acceptance Corporation | 172.33 | 314.22 | +45% | 39No options | $803M |
| NAVI Navient Corporation | 9.56 | 40.08 | +76% | 45Weak | $897M |
| RWAYI Runway Growth Finance Corp. 7.25% Notes due 2031 | 24.68 | 7.84 | -215% | 8No options | $898M |
| OPFI OppFi Inc. | 5.77 | 79.51 | +93% | 81Prime | $492M |
| PRG PROG Holdings, Inc. | 29.82 | 113.07 | +74% | 76Good | $1.2B |
| JCAP Jefferson Capital, Inc. Common Stock | 20.74 | 75.70 | +73% | 79Good | $1.2B |
| OPRT Oportun Financial Corporation | 9.21 | 33.95 | +73% | 74Good | $424M |
| ATLCL Atlanticus Holdings Corporation 6.125% Senior Notes due 2026 | 25.00 | 275.79 | +91% | 39No options | $1.4B |
⚖ Compare QFIN with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about QFIN
Is QFIN undervalued right now?
By the GLS models, yes: at 5.69 the stock is 98% below the average fair value of 254.77 (data as of 16 Oct 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of QFIN and what does it mean?
QFIN scores 82 out of 100 (Prime). The Wheel Score blends the margin of safety (25 points), Piotroski health (20), the GLS moat (15), the option premium on offer (20) and trading stability (20) into one number that ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned. 80 and above is Prime, 65-79 Good, 50-64 Fair, under 50 Weak.
What is the GLS fair value for QFIN?
254.77 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Qfin Holdings, Inc. report earnings next?
The next earnings report is due on 18 Nov 2026 (after the close), 33 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
Does QFIN have listed options, and how liquid are they?
Yes. The nightly snapshot found 134 listed contracts with 35,599 open interest across all expiries and implied volatility of 72% on the near-the-money contracts. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.