Qfin Holdings, Inc. (QFIN) intrinsic value & 10-year financials
Qfin Holdings, Inc. (QFIN) has a Graham intrinsic value of $731.08 per share. At $5.68 on Oct 27, 2026, the stock trades 99% below that value. Over the last 10 fiscal years revenue grew 49.1% a year to $19.2B, with an average return on invested capital of 44.8%.
- Graham intrinsic value
- $731.08
- Share price (Oct 27, 2026)
- $5.68
- Price vs Graham value
- 99% below
- Market cap
- $1.5B
- Revenue (FY2025)
- $19.2B
- Revenue growth (10-yr CAGR)
- 49.1%
- ROIC (10-yr avg)
- 44.8%
- Free cash flow (FY2025)
- $10.8B
QFIN 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $19.2B | $6.0B | $22.01 | $10.8B | 34.8% | 27.4% |
| FY2024 | $17.2B | $6.2B | $20.64 | $9.2B | 43.9% | 31.5% |
| FY2023 | $16.3B | $4.3B | $13.04 | $7.0B | 29.8% | 26.6% |
| FY2022 | $16.6B | $4.0B | $12.50 | $5.9B | 27.0% | 36.3% |
| FY2021 | $16.6B | $5.8B | $17.99 | $5.8B | 40.8% | 78.6% |
| FY2020 | $13.6B | $3.5B | $11.40 | $5.3B | 27.9% | 63.6% |
| FY2019 | $9.2B | $2.5B | $8.31 | $2.9B | 31.4% | 47.5% |
| FY2018 | $4.4B | $1.2B | -$9.39 | $276.6M | 37.0% | 45.7% |
| FY2017 | $788.1M | $164.9M | $0.83 | -$118.1M | 26.7% | 45.7% |
| FY2016 | — | — | — | — | — | — |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
Qfin Holdings, Inc. revenue growth over the past decade is N/A; insufficient history prevents a reliable 10-year CAGR calculation.
Qfin Holdings, Inc. has earned high returns on invested capital, averaging 44.5% ROIC over the available history. High ROIC is consistent with a durable franchise, but it is not by itself proof of an economic moat.
Qfin Holdings, Inc. capital allocation metrics are N/A for the decade; share count and net debt history are incomplete.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, Qfin Holdings, Inc. is modeled at 15.0% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $731.08 per share.