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About the company
Qifu Technology Inc, formerly 360 DigiTech Inc, is a China-based company mainly engaged in credit technology services. The services provided by the Company are divided into credit-driven services and platform services according to the nature of the service and the level of related credit risk. The credit-driven services match potential borrowers with financial institutions, enabling financial institutions to obtain borrowers, conduct credit evaluation, fund matching and post-loan services. The platform services include a full range of loan assistance and post-loan services under the capital-light model, intelligent marketing services, referral services, and risk management software as services (SaaS) for financial institution partners under the Intelligent Credit Engine (ICE) model.
- Revenue in USD (TTM)2.33bn
- Net income in USD623.35m
- Incorporated2018
- Employees3.12k
- LocationQifu Technology Inc7/F Lujiazui Finance PlazaNo. 1217 Dongfang Road, Pudong New AreaSHANGHAI 200122ChinaCHN
- Phone+86 2 161516360
- Websitehttps://ir.qifu.tech/
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Peer analysis
Key Information
- Key Information
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- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Federal Agricultural Mortgage Corp | 1.47bn | 179.55m | 1.86bn | 185.00 | 10.72 | 1.92 | -- | 1.27 | 16.40 | 16.40 | 134.55 | 136.20 | 0.0511 | -- | 5.49 | 7,963,962.00 | 0.7164 | 0.602 | 1.04 | 0.9443 | 23.86 | 34.22 | 14.03 | 19.97 | -- | -- | 0.9495 | 30.59 | 94.22 | 20.66 | 14.48 | 12.74 | -- | 13.66 |
| Upstart Holdings Inc | 538.43m | -175.48m | 2.05bn | 1.39k | -- | 3.35 | -- | 3.81 | -2.05 | -2.05 | 6.33 | 6.98 | 0.2872 | -- | 12.89 | 387,917.20 | -9.36 | -3.57 | -10.71 | -4.49 | 72.28 | 80.07 | -32.59 | -8.18 | -- | -- | 0.6213 | -- | -39.04 | 38.90 | -120.98 | -- | 63.20 | -- |
| Bread Financial Holdings Inc | 4.77bn | 416.00m | 2.08bn | 7.00k | 5.03 | 0.6851 | 3.99 | 0.4353 | 8.33 | 7.93 | 95.64 | 61.13 | 0.2155 | -- | 0.3003 | 681,428.60 | 1.88 | 1.98 | 4.67 | 4.41 | 91.72 | 90.67 | 8.72 | 11.43 | -- | 1.57 | 0.8557 | 13.04 | 11.11 | -3.22 | 229.02 | -4.25 | -24.82 | -18.10 |
| AvidXchange Holdings Inc | 399.50m | -32.34m | 2.23bn | 1.60k | -- | 3.32 | 519.75 | 5.58 | -0.16 | -0.16 | 1.97 | 3.25 | 0.1964 | -- | 8.68 | 249,685.00 | -1.59 | -- | -3.95 | -- | 69.42 | -- | -8.10 | -- | -- | -- | 0.1716 | -- | 20.35 | -- | 53.27 | -- | -- | -- |
| Payoneer Global Inc | 867.27m | 114.37m | 2.25bn | 2.17k | 20.45 | 3.24 | 15.47 | 2.60 | 0.2949 | 0.2949 | 2.24 | 1.86 | 0.1331 | -- | 96.07 | 400,217.80 | 1.76 | -- | 16.49 | -- | -- | -- | 13.19 | -- | -- | -- | 0.0214 | -- | 32.42 | -- | 879.72 | -- | -- | -- |
| Flywire Corp | 422.84m | -11.10m | 2.28bn | 1.20k | -- | 2.85 | 433.72 | 5.38 | -0.1064 | -0.1064 | 3.51 | 6.42 | 0.5221 | -- | 22.48 | 352,366.70 | -1.37 | -- | -1.68 | -- | 63.31 | -- | -2.63 | -- | -- | -- | 0.00 | -- | 39.30 | -- | 78.23 | -- | -- | -- |
| Lufax Holding Ltd - ADR | 4.30bn | -90.50m | 2.45bn | 36.22k | -- | 0.1948 | -- | 0.5707 | -0.1593 | -0.1593 | 7.46 | 21.97 | 0.1121 | -- | -- | 118,727.10 | -0.19 | 4.05 | -0.3637 | 10.64 | -- | -- | -1.69 | 20.51 | -- | 5.37 | 0.3419 | 2.76 | -41.05 | -3.27 | -89.81 | -42.09 | -29.10 | -- |
| Arbor Realty Trust Inc | 1.60bn | 303.62m | 2.52bn | 647.00 | 9.72 | 1.03 | 7.42 | 1.57 | 1.38 | 1.38 | 7.25 | 16.36 | 0.1011 | -- | 14.73 | 2,475,305.00 | 2.34 | 2.64 | 2.37 | 2.68 | 43.71 | 57.20 | 23.20 | 31.30 | -- | -- | 0.78 | 82.91 | 38.04 | 27.35 | 15.88 | 24.96 | -- | 11.64 |
| Remitly Global Inc | 1.01bn | -110.61m | 2.64bn | 2.70k | -- | 4.80 | -- | 2.61 | -0.5994 | -0.5994 | 5.47 | 2.86 | 1.13 | -- | 3.49 | 373,903.00 | -12.33 | -- | -18.00 | -- | 65.83 | -- | -10.96 | -- | -- | -- | 0.2172 | -- | 44.48 | -- | -3.35 | -- | -- | -- |
| Dlocal Ltd | 697.49m | 131.23m | 2.83bn | 951.00 | 22.14 | 5.94 | 19.54 | 4.06 | 0.4317 | 0.4317 | 2.29 | 1.61 | 0.6884 | -- | 2.47 | 774,133.20 | 12.96 | -- | 29.54 | -- | 39.86 | -- | 18.83 | -- | -- | -- | 0.008 | -- | 55.24 | -- | 37.06 | -- | -- | -- |
| Qifu Technology Inc - ADR | 2.33bn | 623.35m | 3.10bn | 3.12k | 5.22 | 1.03 | -- | 1.33 | 3.83 | 3.83 | 14.29 | 19.33 | 0.3815 | -- | 6.00 | 745,030.30 | 10.19 | 13.80 | 17.92 | 25.14 | 83.64 | 86.20 | 26.71 | 27.73 | -- | -- | 0.03 | 9.46 | -1.59 | 29.65 | 6.49 | -- | 65.26 | -- |
| Hercules Capital Inc | 477.13m | 330.68m | 3.15bn | 100.00 | 9.03 | 1.67 | 9.42 | 6.60 | 2.15 | 2.15 | 3.17 | 11.63 | 0.1374 | -- | 14.27 | 4,771,310.00 | 9.61 | 7.57 | 9.75 | 7.71 | 83.54 | 79.52 | 69.98 | 62.69 | -- | -- | 0.4816 | 99.19 | 43.20 | 17.26 | 234.55 | 34.50 | 13.30 | 4.97 |
| Walker & Dunlop, Inc. | 1.04bn | 90.22m | 3.21bn | 1.33k | 34.74 | 1.84 | 10.29 | 3.08 | 2.74 | 2.74 | 31.69 | 51.83 | 0.2509 | -- | 4.39 | 787,144.10 | 2.08 | 4.99 | 2.09 | 5.13 | -- | -- | 8.29 | 18.21 | -- | 21.48 | 0.4271 | 31.98 | -16.23 | 7.77 | -49.64 | -7.64 | 27.96 | 20.30 |
| ACI Worldwide Inc | 1.48bn | 146.07m | 3.73bn | 3.21k | 26.70 | 2.99 | 14.12 | 2.53 | 1.33 | 1.33 | 13.62 | 11.83 | 0.469 | -- | 4.30 | 460,436.50 | 4.63 | 3.36 | 6.27 | 4.43 | 50.52 | 51.60 | 9.88 | 7.81 | -- | 3.99 | 0.4472 | 0.00 | 2.16 | 7.54 | -14.54 | 16.79 | -2.96 | -- |
| Nelnet Inc | 2.14bn | 135.39m | 3.84bn | 7.55k | 29.15 | 1.17 | 15.20 | 1.80 | 3.63 | 3.63 | 57.15 | 90.03 | 0.1276 | -- | 14.94 | 282,867.20 | 0.6118 | 1.23 | 0.6516 | 1.27 | 50.05 | 63.11 | 4.80 | 15.40 | -- | 2.70 | 0.7775 | 12.60 | 6.58 | 4.35 | -77.57 | -16.83 | -9.94 | 9.94 |
| Western Union Co | 4.37bn | 616.90m | 4.35bn | 9.00k | 7.60 | 10.97 | 5.43 | 0.9951 | 1.69 | 1.69 | 11.99 | 1.17 | 0.5365 | -- | -- | 485,466.70 | 7.58 | 9.38 | 9.60 | 11.87 | 38.74 | 41.15 | 14.12 | 17.25 | -- | 9.33 | 0.8646 | 43.76 | -2.65 | -4.86 | -31.25 | -6.47 | -10.00 | 4.34 |
Data as of May 28 2024. Currency figures normalised to Qifu Technology Inc's reporting currency: US Dollar USD
28.82%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| OLP Capital Management Ltd.as of 31 Mar 2024 | 10.32m | 6.34% |
| Morgan Stanley Investment Management, Inc.as of 31 Mar 2024 | 6.31m | 3.88% |
| Morgan Stanley Asia Ltd. (Investment Management)as of 31 Mar 2024 | 5.91m | 3.63% |
| Krane Funds Advisors LLCas of 31 Mar 2024 | 5.56m | 3.41% |
| The Vanguard Group, Inc.as of 31 Mar 2024 | 3.46m | 2.13% |
| Greenwoods Investments SG Pte Ltd.as of 31 Mar 2024 | 3.44m | 2.11% |
| BlackRock Fund Advisorsas of 31 Mar 2024 | 3.14m | 1.93% |
| First Beijing Investment Ltd.as of 31 Mar 2024 | 3.06m | 1.88% |
| BofA Securities, Inc.as of 31 Mar 2024 | 2.92m | 1.79% |
| Serenity Capital Management Pte Ltd.as of 31 Mar 2024 | 2.80m | 1.72% |
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Data from 31 Mar 2024 - 31 Mar 2024Source: FactSet Research Systems Inc.
