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About the company
360 DigiTech, Inc., formerly 360 Finance, Inc., is a holding company which mainly operates digital consumer finance platforms. The Company mainly provides tailored online consumer finance products to prime, underserved borrowers funded primarily by funding partners. The Company’s technology platform enables a user experience supported by resolute risk management.
- Revenue in USD (TTM)2.46bn
- Net income in USD707.60m
- Incorporated2018
- Employees2.13k
- Location360 DigiTech Inc7/F Lujiazui Finance PlazaNo. 1217 Dongfang RoadSHANGHAI 200122ChinaCHN
- Phone+86 2 161516360
- Websitehttp://ir.360jinrong.net/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- 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) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ready Capital Corp | 599.68m | 200.94m | 1.23bn | 0.00 | 4.75 | 0.7047 | 5.68 | 2.05 | 2.27 | 2.27 | 6.54 | 16.33 | 0.0574 | -- | 20.36 | -- | 2.14 | 1.76 | 2.20 | 1.84 | 47.73 | 42.57 | 37.24 | 21.40 | -- | -- | 0.829 | 99.25 | -0.5553 | 30.34 | 224.64 | 22.42 | -- | -6.07 |
| Hercules Capital Inc | 279.93m | 11.98m | 1.51bn | 90.00 | 108.77 | 1.14 | 109.35 | 5.41 | 0.1094 | 0.1094 | 2.35 | 10.43 | 0.1028 | -- | 13.60 | 3,110,333.00 | 0.4995 | 6.82 | 0.5077 | 6.93 | 79.81 | 76.92 | 4.86 | 59.16 | -- | 1.16 | 0.5302 | 94.75 | -2.19 | 9.93 | -23.58 | 20.66 | -15.90 | 0.7938 |
| Remitly Global Inc | 549.77m | -91.09m | 1.59bn | 1.80k | -- | 3.40 | -- | 2.89 | -0.5507 | -0.5507 | 3.33 | 2.78 | 1.06 | -- | 7.10 | 305,426.70 | -17.51 | -- | -27.67 | -- | 59.79 | -- | -16.57 | -- | -- | -120.73 | 0.00 | -- | 78.48 | -- | -19.01 | -- | -- | -- |
| Bread Financial Holdings Inc | 3.87bn | 481.00m | 1.61bn | 6.00k | 3.37 | 0.7075 | 2.97 | 0.4163 | 9.60 | 9.24 | 77.44 | 45.68 | 0.1774 | -- | 0.256 | 645,000.00 | 2.21 | 2.36 | 4.37 | 3.90 | 91.52 | 73.35 | 12.43 | 13.56 | -- | 3.72 | 0.8903 | 14.93 | -3.74 | -12.53 | 283.01 | 12.79 | -16.50 | 10.07 |
| Upstart Holdings Inc | 1.07bn | 90.88m | 1.69bn | 1.50k | 23.12 | 2.26 | 16.61 | 1.58 | 0.8995 | 0.8995 | 11.51 | 9.21 | 0.7585 | -- | 27.49 | 714,853.10 | 6.44 | -- | 7.64 | -- | 83.60 | -- | 8.49 | -- | -- | -- | 0.5308 | -- | 250.51 | -- | 2,163.80 | -- | -- | -- |
| EVO Payments Inc | 532.83m | 3.07m | 1.73bn | 2.30k | 522.41 | -- | 17.16 | 3.25 | 0.0638 | 0.0638 | 11.16 | -8.28 | 0.2978 | 15.28 | 34.08 | 242,194.10 | 1.68 | -1.76 | 9.24 | -6.02 | 84.04 | 75.50 | 5.66 | -5.66 | 1.32 | 3.96 | 0.6203 | -- | 13.10 | 3.45 | 84.93 | -- | 11.82 | -- |
| Navient Corp | 1.75bn | 597.00m | 1.86bn | 4.33k | 3.40 | 0.6355 | -- | 1.06 | 3.86 | 3.86 | 11.19 | 20.61 | 0.0219 | -- | 15.08 | 403,926.10 | 0.749 | 0.4272 | 0.7922 | 0.4522 | 105.77 | 113.46 | 34.13 | 24.36 | -- | -- | 0.9611 | 33.50 | 9.42 | -2.24 | 74.03 | 1.04 | -- | 0.00 |
| Payoneer Global Inc | 547.02m | 6.57m | 1.94bn | 1.87k | 375.42 | 3.57 | 76.89 | 3.54 | 0.0149 | 0.0149 | 1.54 | 1.57 | 0.1075 | -- | 41.16 | 292,366.70 | 0.1295 | -- | 1.13 | -- | -- | -- | 1.20 | -- | -- | -- | 0.0265 | -- | -- | -- | -271.30 | -- | -- | -- |
| 360 DigiTech Inc | 2.46bn | 707.60m | 2.05bn | 2.13k | 2.99 | 0.8574 | -- | 0.832 | 4.40 | 4.40 | 15.31 | 15.37 | 0.5322 | -- | 6.20 | 1,155,183.00 | 15.23 | 18.31 | 28.13 | 36.23 | 86.39 | 87.04 | 28.62 | 29.38 | -- | -- | 0.0347 | 2.76 | 22.65 | 1,126.25 | 65.35 | -- | 60.30 | -- |
| Athena Bitcoin Global | 570.00 | -2.50m | 2.25bn | 5.00 | -- | -- | -- | 3,950,794.00 | -0.0222 | -0.0222 | 0.00001 | -0.0095 | 0.1032 | -- | -- | -- | -45,313.12 | -554,970.60 | -- | -- | -- | -- | -439,219.30 | -- | -- | -21.05 | -- | -- | -- | -- | 1.97 | -- | -- | -- |
| Shift4 Payments Inc | 1.69bn | -16.00m | 2.30bn | 1.73k | -- | 18.40 | 26.58 | 1.37 | -0.2956 | -0.2956 | 24.41 | 2.29 | 0.8365 | 690.72 | 7.86 | 973,325.60 | -1.28 | -- | -1.53 | -- | 20.10 | -- | -1.52 | -- | 4.66 | 1.27 | 0.8667 | -- | 78.32 | -- | -152.06 | -- | -- | -- |
| ACI Worldwide Inc | 1.45bn | 152.07m | 2.33bn | 3.61k | 15.82 | 1.93 | 8.26 | 1.61 | 1.29 | 1.29 | 12.37 | 10.57 | 0.4527 | -- | 4.70 | 400,899.70 | 4.76 | 2.77 | 6.36 | 3.49 | 53.95 | 53.72 | 10.51 | 6.12 | -- | 6.98 | 0.4735 | 0.00 | 5.89 | 6.39 | 75.88 | -0.2707 | -6.38 | -- |
| Flywire Corp | 240.27m | -35.23m | 2.36bn | 665.00 | -- | 5.09 | -- | 9.82 | -0.339 | -0.339 | 2.19 | 4.29 | 0.4052 | -- | 17.03 | 361,311.30 | -5.94 | -- | -7.03 | -- | 63.77 | -- | -14.66 | -- | -- | -17.40 | 0.0531 | -- | 52.64 | -- | -152.66 | -- | -- | -- |
| PennyMac Financial Services Inc | 2.98bn | 725.15m | 2.38bn | 5.09k | 3.84 | 0.694 | 3.16 | 0.7994 | 11.81 | 11.81 | 48.97 | 65.38 | 0.1561 | -- | 41.33 | 413,211.80 | 3.80 | 5.23 | 6.09 | 9.57 | 88.95 | 90.10 | 24.35 | 30.53 | -- | -- | 0.653 | 3.22 | -10.54 | 21.17 | -39.07 | 72.30 | 13.25 | -- |
| Mr Cooper Group Inc | 3.14bn | 1.26bn | 2.86bn | 8.20k | 2.46 | 0.7091 | 2.15 | 0.9132 | 16.26 | 15.93 | 40.43 | 56.37 | 0.1733 | -- | -- | 382,439.00 | 7.12 | 4.58 | 8.86 | 6.15 | -- | -- | 41.10 | 31.78 | -- | 7.39 | 0.6494 | 0.00 | 23.39 | 261.21 | 370.39 | 84.48 | -- | -- |
| Walker & Dunlop, Inc. | 1.41bn | 268.40m | 2.86bn | 1.31k | 10.39 | 1.72 | 5.64 | 2.03 | 8.35 | 8.35 | 43.89 | 50.54 | 0.3335 | -- | 8.92 | 1,083,349.00 | 6.51 | 6.08 | 6.58 | 6.35 | -- | -- | 19.53 | 21.74 | -- | 22.32 | 0.5255 | 18.53 | 16.19 | 16.96 | 7.57 | 18.72 | 30.02 | -- |
Data as of Sep 27 2022. Currency figures normalised to 360 DigiTech Inc's reporting currency: US Dollar USD
33.23%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| TT International Asset Management Ltd.as of 30 Jun 2022 | 9.91m | 7.32% |
| Morgan Stanley Investment Management Co.as of 30 Jun 2022 | 7.24m | 5.35% |
| OLP Capital Management Ltd.as of 30 Jun 2022 | 4.76m | 3.52% |
| Gold Dragon Worldwide Asseet Management Ltd.as of 30 Jun 2022 | 4.20m | 3.10% |
| Yunqi Capital Ltd.as of 30 Jun 2022 | 3.95m | 2.92% |
| The Vanguard Group, Inc.as of 30 Jun 2022 | 3.84m | 2.84% |
| Krane Funds Advisors LLCas of 30 Jun 2022 | 3.68m | 2.72% |
| BlackRock Fund Advisorsas of 30 Jun 2022 | 2.59m | 1.92% |
| BIT Capital GmbHas of 30 Jun 2021 | 2.45m | 1.81% |
| Greenwoods Investments SG Pte Ltd.as of 30 Jun 2022 | 2.34m | 1.73% |
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Data from 30 Jun 2021 - 30 Jun 2022Source: FactSet Research Systems Inc.
