QFIN — 360 Finance Inc

Founder-Led

Stock analysis, trade plans, and proprietary indicators by Trend Edge.

About 360 Finance Inc

Qfin Holdings, Inc., together with its subsidiaries, operate AI- driven credit-tech platform under the Qifu Jietiao brand in the People's Republic of China. The company provides credit-driven services that match borrowers with financial institutions to conduct borrower acquisition, credit assessment, fund matching, and post-facilitation services; and platform services, including loan and post-facilitation services to financial institution partner… Read full Trend Edge analysis →

Trend Edge Proprietary Indicators

Key Metrics

Current Price$15.74
Market Cap$1.53B
Float181.9M
Shares Outstanding121.8M
P/E (Forward)3.27
P/E (TTM)1.94
Price/Sales (TTM)0.08
vs. Analyst Target+47.2% to analyst PT
Profit Margin31.19%
Operating Margin (TTM)29.44%
Revenue (TTM)$19.21B
Earnings Growth (YoY)-41.00%
Dividend Rate1.5%
Analyst Target Price$23.17 (12 analysts)

Financial History

Annual Revenue & Earnings History

YearRevenueNet IncomeGross ProfitEBITDA
2020 $13.56B $3.50B $10.36B $8.62B
2021 $16.64B $5.78B $12.84B $9.93B
2022 $16.55B $4.02B $11.70B $8.92B
2023 $16.29B $4.29B $10.45B $7.98B
2024 $17.17B $6.26B $10.60B $8.08B
2025 $18.68B $5.80B $15.23B $7.18B

Recent Quarterly Revenue & Net Income

QuarterRevenueNet Income
Jun 2025 $4.33B $1.73B
Sep 2025 $5.21B $1.44B
Dec 2025 $4.04B $999M
Mar 2026 $4.04B $999M

Ownership & Float

Insider Ownership2.7%
Institutional Ownership63.8%
Short Float1.0%
% of All Funds Holding1.98%
Number of Funds Holding163

Current Moving Averages

Trend Edge tracks near-term, medium-term, cyclical, and secular moving averages across weekly and monthly timeframes to identify trend structure at every horizon.

TimeframeSMAValueTrend Context
Weekly10-Week SMA$13.32Near-term / short-term trend
Weekly40-Week SMA$19.03Medium-term trend
Weekly80-Week SMA$29.40Cyclical trend (business cycle)
Weekly200-Week SMA$22.90Secular trend (multi-year)
Monthly10-Month SMA$19.27Near-term monthly trend
Monthly20-Month SMA$29.34Medium-term monthly trend
Monthly40-Month SMA$23.89Secular monthly trend

Volume Shelves — Support & Resistance

Trend Edge identifies volume shelves: price zones where historically elevated trading volume creates structural support or resistance. A volume shelf forms when a disproportionate share of cumulative volume was transacted at a specific price level, making it a high-conviction anchor for future price reactions.

Price LevelTypeVolume RatioAge
$29.40 resistance 1.30x 6 months ago
$33.70 resistance 1.31x 8 months ago
$43.00 resistance 1.28x 9 months ago

Historical Earnings Reactions (29 events)

TimeframeAvg ReturnMedianWin RateBestWorst
Gap 0.28% -0.19% 37.93% 6.26% -7.29%
1 Day 0.22% 0.00% 48.28% 20.27% -13.41%
1 Week 1.39% 0.34% 51.72% 30.25% -25.94%
2 Weeks 0.87% -0.93% 41.38% 52.73% -21.46%
1 Month 1.27% 2.60% 55.17% 38.19% -38.59%

Next earnings: August 15, 2026 (79 days away)

Seasonality & Day-of-Week Patterns

Monthly Seasonality

MonthAvg ReturnWin RateSamples
Jan0.4%37.5%8
Feb5.0%50.0%8
Mar-0.6%37.5%8
Apr2.1%37.5%8
May-0.7%71.4%7
Jun10.3%85.7%7
Jul-6.7%42.9%7
Aug0.1%42.9%7
Sep-6.3%14.3%7
Oct-4.9%28.6%7
Nov12.2%85.7%7
Dec3.9%57.1%7

Day-of-Week Tendencies

DayAvg ReturnWin RateSamples
Monday -0.56% 45.1% 350
Tuesday 0.66% 49.7% 386
Wednesday 0.43% 49.1% 383
Thursday -0.21% 48.8% 375
Friday 0.05% 44.8% 375

Top Institutional Holders

Institutional holder breakdown coming soon.

Total institutional ownership: 63.8%

Insider Transactions — Smart Summary

Total insider ownership: 2.7%

Founder-led management: Haisheng Wu (CEO & Director)

12-Month Insider Activity Summary

Total Filings1
Net Value+N/A
Net Shares Change250,000
% of Float0.1%
C-Suite Filings0
Clusters Detected0

Key Insiders

NameTitleNet ValueFilingsActivity
Chen Xiaohuan +$3.2M 1 1 buy

Significant Filings

DateInsiderTitleNet ValuePrice After
2026-03-31 Chen Xiaohuan +$3.2M Transaction at $12.79, now +23.0%

View full insider transaction history on Trend Edge →

AI Consult Analysis

Trend Edge's AI Consult feature delivers a comprehensive, multi-layer trade plan for 360 Finance Inc (QFIN) powered by Claude Opus — Anthropic's most capable AI model. The analysis covers five layers: technical analysis (near-term, medium-term, cyclical, and secular trend, momentum, volume shelf support and resistance, breakout and breakdown signals), qualitative analysis (business model, competitive moat, sector dynamics), insider sentiment (buy and sell signals from executive and director transactions), share stats analysis (institutional accumulation, fund positioning, short float squeeze potential), and fundamental analysis (valuation, revenue growth, profit margin, earnings quality).

AI Consult synthesizes all five layers into a single bullish or bearish thesis with explicit entry, exit, stop loss, and take profit levels — giving you a complete, AI-powered trade plan with defined risk/reward. Whether you are building a long position, initiating a short, or looking for a reversal setup, AI Consult identifies the highest-probability signal from the current trend.

Get the full AI Consult analysis for QFIN on Trend Edge →