Qfin Holdings, Inc. (QFIN) Stock Analysis
Financial Services · Credit Services
Sell if holding. Momentum 2.1/10 is below the 5.0 floor at $12.75 — engine's falling-knife protection flags exit rather than catching a breakdown. Specifics: Consecutive earnings misses (2); Earnings in 7 days (event risk).
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... Read more
Sell if holding. Momentum 2.1/10 is below the 5.0 floor at $12.75 — engine's falling-knife protection flags exit rather than catching a breakdown. Specifics: Consecutive earnings misses (2); Earnings in 7 days (event risk). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Score 5.7/10, moderate confidence.
Passes 5/9 gates (favorable risk/reward ratio, no SEC red flags, news events none recent, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and death cross (50MA < 200MA) and earnings proximity 7d<=7d. Suitability: aggressive.
Recent Developments — Qfin Holdings, Inc.
Latest news
- China's Latest Fintech-Lending Crackdown Hits Even Legit Players - Yiren, Qifu — benzinga Apr 8, 2026 negative
Generated 2026-05-20T20:21:21Z.
Thesis
Key Metrics
Quality Signals
Options Flow
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer
Rating Breakdown
2 floor-breakers·1 ceiling hit
Revenue shrinking — -8.7% YoY. Growth thesis broken unless recovery story develops.static
Price action weak — below key moving averages, no momentum carry. Needs a base before trend-continuation setups apply.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Sell if holding. Momentum 2.1/10 is below the 5.0 floor at $12.75 — engine's falling-knife protection flags exit rather than catching a breakdown. Specifics: Consecutive earnings misses (2); Earnings in 7 days (event risk). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Prior stop was $12.15. Score 5.7/10, moderate confidence.
Take-profit target: $20.16 (+58.1% upside). Prior stop was $12.15. Stop-loss: $12.15.
Earnings in 7 days (event risk); Consecutive earnings misses (2); Weak growth.
Qfin Holdings, Inc. trades at a P/E of 2.0 (forward 2.5). TrendMatrix value score: 9.7/10. Verdict: Sell.
19 analysts cover QFIN with a consensus score of 4.3/5. Average price target: $23.
What does Qfin Holdings, Inc. do?Qfin Holdings, Inc., together with its subsidiaries, operate AI- driven credit-tech platform under the Qifu Jietiao...
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 partners under capital light model, intelligence credit engine, referral services, and other technology solutions. It serves financial institutions, consumers, and small and micro-enterprises. The company was formerly known as Qifu Technology, Inc. and changed its name to Qfin Holdings, Inc. in July 2025. Qfin Holdings, Inc. was founded in 2016 and is headquartered in Shanghai, the People's Republic of China.