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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)2.32bn
- Net income in USD621.29m
- 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/
Peer analysis
- Key Information
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- 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) |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
World Acceptance Corp. | 573.21m | 77.35m | 723.36m | 2.87k | 9.33 | 1.73 | 8.20 | 1.26 | 13.26 | 13.26 | 97.79 | 71.47 | 0.5274 | -- | -- | 199,586.80 | 7.12 | 5.10 | 8.14 | 5.87 | 91.31 | 93.58 | 13.49 | 9.31 | -- | -- | 0.5389 | 0.00 | -7.03 | 1.03 | 264.29 | 1.15 | -21.60 | -- |
Alpha Investment Inc | 0.00 | -402.55k | 805.81m | -- | -- | -- | -- | -- | -0.036 | -0.036 | 0.00 | -0.401 | 0.00 | -- | -- | -- | -252,573.30 | -117.28 | -- | -- | -- | -134.06 | -- | -2,038.17 | -- | -8.29 | -- | -- | -- | -- | 82.82 | -- | -- | -- |
Guild Holdings Co | 906.18m | 26.68m | 886.43m | 4.20k | 35.34 | 0.7276 | 21.56 | 0.9782 | 0.4089 | 0.4089 | 14.68 | 19.86 | 0.2539 | -- | 15.31 | 215,756.00 | 0.7414 | 5.30 | 0.7746 | 5.56 | -- | -- | 2.92 | 14.41 | -- | 1.61 | 0.6473 | 15.96 | -14.41 | 1.70 | -111.87 | -- | -3.79 | -- |
LendingClub Corp | 799.61m | 37.52m | 940.08m | 1.03k | 24.69 | 0.7424 | 11.04 | 1.18 | 0.3426 | 0.3426 | 7.31 | 11.40 | 0.0889 | -- | -- | 780,110.30 | 0.417 | 0.5363 | 2.67 | 1.40 | -- | -- | 4.69 | 2.98 | -- | -- | 0.8601 | 0.00 | -27.17 | -4.36 | -86.56 | -- | 2.35 | -- |
Nerdwallet Inc | 591.70m | -12.40m | 1.20bn | 730.00 | -- | 3.18 | 33.45 | 2.04 | -0.1621 | -0.1621 | 7.60 | 4.87 | 1.32 | -- | 5.98 | 810,547.90 | -2.76 | -- | -3.24 | -- | 90.81 | -- | -2.10 | -- | -- | -- | 0.00 | -- | 11.23 | -- | -15.69 | -- | -- | -- |
Navient Corp | 1.11bn | 190.00m | 1.60bn | 4.50k | 9.07 | 0.5803 | -- | 1.45 | 1.58 | 1.58 | 9.30 | 24.70 | 0.0176 | -- | 13.10 | 246,000.00 | 0.3017 | 0.624 | 0.3283 | 0.6827 | 105.78 | 109.67 | 17.16 | 32.92 | -- | -- | 0.9523 | 21.01 | -18.81 | -6.66 | -64.65 | -7.46 | -- | 0.00 |
Enova International Inc | 1.29bn | 172.63m | 1.66bn | 1.68k | 11.01 | 1.45 | 7.88 | 1.29 | 5.56 | 5.56 | 41.45 | 42.06 | 0.3041 | -- | 0.3727 | 770,088.40 | 4.07 | 8.69 | 4.31 | 9.24 | -- | -- | 13.38 | 21.91 | -- | 2.12 | 0.7256 | 0.00 | 10.05 | 4.81 | -15.57 | 26.86 | 22.99 | -- |
Upstart Holdings Inc | 538.43m | -175.48m | 2.04bn | 1.39k | -- | 3.32 | -- | 3.79 | -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 | 2.23bn | 7.00k | 5.39 | 0.7347 | 4.27 | 0.4668 | 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 |
Qifu Technology Inc - ADR | 2.32bn | 621.29m | 3.06bn | 3.12k | 5.16 | 1.02 | -- | 1.32 | 3.82 | 3.82 | 14.24 | 19.27 | 0.3815 | -- | 6.00 | 742,570.10 | 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 | -- |
Nelnet Inc | 2.14bn | 135.39m | 3.70bn | 7.55k | 28.09 | 1.13 | 14.65 | 1.73 | 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 |
SLM Corp | 2.62bn | 734.51m | 4.47bn | 1.74k | 6.35 | 2.41 | 5.46 | 2.30 | 3.20 | 3.20 | 8.48 | 9.59 | -- | -- | -- | -- | 2.61 | 2.46 | -- | -- | -- | -- | 38.73 | 40.14 | -- | -- | -- | 10.30 | 27.60 | 6.02 | 22.54 | 6.69 | -- | -- |
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% |