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Upturn AI SWOT - About
360 Finance Inc (QFIN)
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Upturn Advisory Summary
04/01/2025: QFIN (5-star) is a STRONG-BUY. BUY since 4 days. Profits (-7.96%). Updated daily EoD!
Upturn Star Rating
Outstanding Performance
These Stocks/ETFs, based on Upturn Advisory, have historically outperformed the market, making them a top-tier choice for investors.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 53.97% | Avg. Invested days 38 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.21B USD | Price to earnings Ratio 7.8 | 1Y Target Price 54.84 |
Price to earnings Ratio 7.8 | 1Y Target Price 54.84 | ||
Volume (30-day avg) 2036164 | Beta 0.64 | 52 Weeks Range 17.39 - 48.94 | Updated Date 04/1/2025 |
52 Weeks Range 17.39 - 48.94 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 2.90% | Basic EPS (TTM) 5.68 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 36.49% | Operating Margin (TTM) 49.12% |
Management Effectiveness
Return on Assets (TTM) 10.65% | Return on Equity (TTM) 27.02% |
Valuation
Trailing PE 7.8 | Forward PE 3.27 | Enterprise Value 6291120640 | Price to Sales(TTM) 0.39 |
Enterprise Value 6291120640 | Price to Sales(TTM) 0.39 | ||
Enterprise Value to Revenue 3.85 | Enterprise Value to EBITDA - | Shares Outstanding 140315008 | Shares Floating 200619243 |
Shares Outstanding 140315008 | Shares Floating 200619243 | ||
Percent Insiders 1.13 | Percent Institutions 77.88 |
Analyst Ratings
Rating 4.82 | Target Price 42.85 | Buy 2 | Strong Buy 9 |
Buy 2 | Strong Buy 9 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
360 Finance Inc
Company Overview
History and Background
360 Finance, Inc., now known as Qifu Technology, was founded in 2016. It quickly established itself as a leading digital consumer finance platform in China, connecting consumers and financial institutions through its online platform. It has focused on leveraging technology to improve credit accessibility and efficiency.
Core Business Areas
- Loan Facilitation: Connects borrowers with financial institutions to facilitate loan origination. It assesses borrower risk and provides credit scoring services to lenders.
- Technology Solutions: Offers technology solutions to financial institutions, including risk management and customer acquisition tools.
Leadership and Structure
The leadership team consists of experienced professionals in finance and technology. The organizational structure is designed to promote innovation and efficiency in its operations.
Top Products and Market Share
Key Offerings
- Personal Installment Loans: Facilitates unsecured personal installment loans for various consumer needs. Market share data in China is difficult to ascertain precisely due to the fragmented nature of the market and regulatory changes. Competitors include Ant Group (not publicly traded in the US directly), Lufax (LU), and WeBank (not publicly traded).
- Small Business Loans: Provides access to credit for small and medium-sized enterprises (SMEs). Market share data is not readily available. Competitors include Ant Group (not publicly traded in the US directly), Lufax (LU), and MYbank (not publicly traded).
Market Dynamics
Industry Overview
The consumer finance industry is rapidly evolving with increasing adoption of digital platforms. Regulatory changes in China significantly impact the market landscape.
Positioning
360 Finance Inc positions itself as a technology-driven platform connecting borrowers and lenders. Its competitive advantages include its advanced risk management capabilities and data analytics.
Total Addressable Market (TAM)
The TAM for consumer finance in China is estimated to be substantial, potentially reaching trillions of USD. 360 Finance Inc is positioned to capture a significant portion of this market by leveraging its technology and partnerships.
Upturn SWOT Analysis
Strengths
- Strong technology platform
- Advanced risk management capabilities
- Extensive data analytics
- Established partnerships with financial institutions
Weaknesses
- Reliance on the Chinese regulatory environment
- Exposure to credit risk
- Competition from established players
- Limited international presence
Opportunities
- Expansion into new markets
- Development of new products and services
- Strategic partnerships with other companies
- Adoption of new technologies
Threats
- Changes in regulations
- Increased competition
- Economic downturn
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- LU
- JF
- YRD
Competitive Landscape
360 Finance/Qifu Technology competes with other online lending platforms, traditional banks, and fintech companies. Its advantages include its technology and data analytics capabilities, while its disadvantages include regulatory risks and competition.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been strong, driven by the increasing demand for consumer finance in China. Please consult financial news and filings for up to date information.
Future Projections: Future growth depends on the regulatory environment and the company's ability to maintain its competitive advantages. Analyst estimates should be reviewed for up to date information.
Recent Initiatives: Recent initiatives include expanding its technology solutions offerings and strengthening its partnerships with financial institutions. Please consult financial news and filings for up to date information.
Summary
Qifu Technology (formerly 360 Finance) is a key player in China's fintech landscape, leveraging technology to connect borrowers and lenders. Its strengths lie in its technology platform and risk management, while regulatory risks and competition present challenges. Future growth depends on its ability to navigate the evolving regulatory environment and expand its offerings. The company must continue to adapt to stay ahead.
Similar Companies
- LU
- LFIN
Sources and Disclaimers
Data Sources:
- Company Filings
- Market Research Reports
- Industry News Articles
Disclaimers:
This analysis is based on publicly available information and is subject to change. Investment decisions should be based on thorough research and consultation with a financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About 360 Finance Inc
Exchange NASDAQ | Headquaters - | ||
IPO Launch date 2018-12-14 | CEO & Director Mr. Haisheng Wu | ||
Sector Financial Services | Industry Credit Services | Full time employees 3527 | Website https://www.360shuke.com |
Full time employees 3527 | Website https://www.360shuke.com | ||
Qifu Technology, Inc., together with its subsidiaries, operates credit-tech platform under the Qifu Jietiao brand in the People's Republic of China. The company provides credit-driven services that matches borrowers with financial institutions to conduct customer acquisition, initial and credit screening, advanced risk assessment, credit assessment, fund matching, and other post-facilitation services; and platform services, including loan facilitation and post-facilitation services to financial institution partners under intelligence credit engine, referral services, and risk management software-as-a-service. It offers e-commerce loans, enterprise loans, and invoice loans to SME owners. It serves financial institutions, consumers, and small- and micro-enterprises. The company was formerly known as 360 DigiTech, Inc. and changed its name to Qifu Technology, Inc. in March 2023. Qifu Technology, Inc. was founded in 2016 and is headquartered in Shanghai, the People's Republic of China.
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