360 Finance Financials

QFIN Stock  USD 33.05  0.23  0.69%   
Based on the measurements of operating efficiency obtained from 360 Finance's historical financial statements, 360 Finance may be sliding down financialy. It has an above-average chance of going through some form of financial crunch next quarter. At this time, 360 Finance's Retained Earnings are very stable compared to the past year. As of the 6th of August 2025, Accounts Payable is likely to grow to about 57.2 M, while Total Assets are likely to drop about 27.2 B. Key indicators impacting 360 Finance's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Current Ratio2.332.4485
Notably Down
Slightly volatile
The essential information of the day-to-day investment outlook for 360 Finance includes many different criteria found on its balance sheet. An individual investor should monitor 360 Finance's cash flow, debt, and profitability to accurately make informed decisions on whether to invest in 360 Finance.

Net Income

3.34 Billion

  
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360 Finance Stock Summary

360 Finance competes with Nexstar Broadcasting, Coca Cola, SNDL, Vita Coco, and Diageo PLC. 360 DigiTech, Inc., through its subsidiaries, operates financial technology platform under the 360 Jietiao brand in the Peoples Republic of China. The company was formerly known as 360 Finance, Inc. and changed its name to 360 DigiTech, Inc. in September 2020. 360 DigiTech, Inc. was founded in 2016 and is headquartered in Shanghai, the Peoples Republic of China. 360 Finance is traded on NASDAQ Exchange in the United States.
Specialization
Financial Services, Financial Services
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS88557W1018
CUSIP88557W101
LocationChina
Business AddressLujiazui Finance Plaza,
SectorConsumer Finance
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.qfin.com
Phone86 21 5835 7668
CurrencyUSD - US Dollar

360 Finance Key Financial Ratios

360 Finance Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets24.4B33.5B40.3B45.8B48.1B27.2B
Other Current Liab(1.7B)(1.3B)(1.0B)(1.7B)14.9B15.7B
Other Liab3.4B1.5B4.1B4.7B5.4B5.6B
Net Tangible Assets7.2B9.5B14.2B17.8B20.5B21.5B
Net Debt(4.2B)(5.7B)(7.0B)(3.4B)(3.1B)(3.2B)
Retained Earnings4.1B9.6B12.8B16.3B21.0B22.0B
Cash4.4B6.1B7.2B4.2B4.5B3.7B
Other Assets12.7B17.5B23.6B(4.9B)(5.6B)(5.3B)
Net Receivables1.2B3.8B3.3B7.8B2.2B2.3B
Inventory(15.1B)(18.5B)(25.8B)(4.9B)1.3B1.4B
Other Current Assets15.5B18.9B26.2B32.6B32.7B18.1B
Total Liab14.9B18.3B21.4B23.8B23.9B13.2B
Short Long Term Debt186.8M397.6M150M798.6M1.4B1.4B
Total Current Assets11.7B15.0B15.6B44.7B42.8B44.9B
Short Term Debt215.3M423.4M180.7M827.7M1.4B1.5B
Intangible Assets3.4M1.0B1.0B990.9M968.6M488.2M
Net Invested Capital9.7B15.6B19.0B22.7B25.6B18.3B

360 Finance Key Income Statement Accounts

202020212022202320242025 (projected)
Tax Provision586.0M1.3B736.8M942.6M1.6B1.7B
Interest Income2.3B2.3B3.7B4.9B6.9B7.2B
Total Revenue13.6B16.6B16.6B16.3B17.2B11.6B
Gross Profit10.4B12.8B11.7B10.4B10.6B8.2B
Operating Income4.1B7.0B4.8B3.0B7.5B3.8B
Ebit4.1B7.0B4.7B7.9B8.0B4.4B
Ebitda4.1B7.1B4.8B8.0B8.1B4.4B
Cost Of Revenue3.2B3.8B4.9B5.8B6.6B3.3B
Income Before Tax4.1B7.0B4.7B5.3B7.9B4.1B
Net Income3.5B5.8B4.0B4.3B6.3B3.3B
Income Tax Expense586.0M1.3B736.8M1.0B1.6B1.7B
Minority Interest512K17.2M18.6M16.8M16.2M9.1M
Net Interest Income2.3B2.3B3.7B4.9B6.9B7.2B

360 Finance Key Cash Accounts

202020212022202320242025 (projected)
Investments892.8M(6.1B)(7.4B)(10.9B)(8.0B)(7.6B)
Change In Cash2.9B2.0B1.8B(3.0B)(753.2M)(715.5M)
Net Borrowings(740.1M)200M(13.2M)498.4M573.1M601.8M
Free Cash Flow5.3B5.8B5.9B7.0B9.2B9.6B
Depreciation7.6M36.1M66.0M73.8M74.9M40.3M
Other Non Cash Items4.8B3.1B10.6M5.8B2.9B2.1B
Capital Expenditures25.6M15.3M25.3M84.6M153.2M160.8M
Net Income2.5B3.5B5.8B4.3B6.3B3.5B
End Period Cash Flow6.8B8.8B10.5B7.6B6.8B5.8B
Change To Netincome1.1B6.2B8.0M1.9B2.2B1.6B

360 Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining 360 Finance's current stock value. Our valuation model uses many indicators to compare 360 Finance value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across 360 Finance competition to find correlations between indicators driving 360 Finance's intrinsic value. More Info.
360 Finance is currently regarded as top stock in return on equity category among its peers. It also is currently regarded as top stock in return on asset category among its peers reporting about  0.34  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for 360 Finance is roughly  2.96 . At this time, 360 Finance's Return On Equity is very stable compared to the past year. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the 360 Finance's earnings, one of the primary drivers of an investment's value.

360 Finance Systematic Risk

360 Finance's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. 360 Finance volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty-four with a total number of output elements of thirty-seven. The Beta measures systematic risk based on how returns on 360 Finance correlated with the market. If Beta is less than 0 360 Finance generally moves in the opposite direction as compared to the market. If 360 Finance Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one 360 Finance is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of 360 Finance is generally in the same direction as the market. If Beta > 1 360 Finance moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in 360 Finance Stock are looking for potential investment opportunities by analyzing not only static indicators but also various 360 Finance's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of 360 Finance growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.1

At this time, 360 Finance's Price Earnings To Growth Ratio is very stable compared to the past year.

360 Finance August 6, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of 360 Finance help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of 360 Finance. We use our internally-developed statistical techniques to arrive at the intrinsic value of 360 Finance based on widely used predictive technical indicators. In general, we focus on analyzing 360 Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build 360 Finance's daily price indicators and compare them against related drivers.
When determining whether 360 Finance offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of 360 Finance's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of 360 Finance Stock. Outlined below are crucial reports that will aid in making a well-informed decision on 360 Finance Stock:
Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in 360 Finance. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in gross domestic product.
To learn how to invest in 360 Stock, please use our How to Invest in 360 Finance guide.
You can also try the Sign In To Macroaxis module to sign in to explore Macroaxis' wealth optimization platform and fintech modules.
Is Consumer Finance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of 360 Finance. If investors know 360 will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about 360 Finance listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.729
Dividend Share
9.489
Earnings Share
6.49
Revenue Per Share
121.988
Quarterly Revenue Growth
0.129
The market value of 360 Finance is measured differently than its book value, which is the value of 360 that is recorded on the company's balance sheet. Investors also form their own opinion of 360 Finance's value that differs from its market value or its book value, called intrinsic value, which is 360 Finance's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because 360 Finance's market value can be influenced by many factors that don't directly affect 360 Finance's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between 360 Finance's value and its price as these two are different measures arrived at by different means. Investors typically determine if 360 Finance is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, 360 Finance's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.