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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)2.44bn
- Net income in USD890.00m
- Incorporated2018
- Employees1.64k
- 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) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| FirstCash Inc | 1.59bn | 128.26m | 2.58bn | 17.00k | 20.37 | 2.00 | 15.04 | 1.62 | 3.13 | 3.13 | 38.84 | 32.00 | 0.6665 | 3.18 | 4.47 | 93,491.12 | 5.38 | 5.81 | 5.91 | 6.25 | 57.69 | 54.62 | 8.07 | 7.36 | 2.04 | 7.33 | 0.3637 | 31.05 | -12.51 | 18.28 | -35.26 | 11.91 | 12.24 | -- |
| Payoneer Global Inc | 334.18m | -24.15m | 2.63bn | -- | -- | 5.34 | -- | 7.86 | -0.3305 | -0.3305 | 2.35 | 1.45 | 0.1305 | -- | -- | -- | -0.9427 | -- | -3.66 | -- | -- | -- | -7.22 | -- | -- | -- | 0.8828 | -- | -- | -- | -- | -- | -- | -- |
| Open Lending Corp | 203.66m | 133.44m | 2.93bn | 104.00 | 22.04 | 22.99 | 21.73 | 14.40 | 1.05 | 1.05 | 1.61 | 1.01 | 0.6925 | -- | 4.12 | 1,958,250.00 | 45.38 | -- | 47.83 | -- | 91.73 | -- | 65.52 | -- | -- | 16.00 | 0.5353 | -- | -- | -- | -3,597.08 | -- | -- | -- |
| Mr Cooper Group Inc | 3.65bn | 1.45bn | 2.95bn | 9.80k | 2.42 | 0.9049 | 1.92 | 0.8091 | 16.22 | 16.25 | 40.71 | 43.40 | 0.168 | -- | -- | 372,040.80 | 6.85 | 3.76 | 8.93 | 5.04 | -- | -- | 40.78 | 28.16 | -- | 6.44 | 0.7993 | 0.00 | 36.17 | 240.17 | 11.03 | -- | -- | -- |
| Navient Corp | 1.90bn | 913.00m | 3.18bn | 5.56k | 3.89 | 1.17 | -- | 1.67 | 5.07 | 5.07 | 10.59 | 16.81 | 0.0221 | -- | 12.21 | 341,546.80 | 1.06 | 0.3865 | 1.13 | 0.4056 | 110.58 | 114.63 | 48.08 | 23.35 | -- | -- | 0.9663 | 38.53 | 2.21 | -7.95 | -30.99 | -15.96 | -- | 0.00 |
| LendingClub Corp | 659.36m | -37.18m | 3.27bn | 1.03k | -- | 4.06 | 402.00 | 4.96 | -0.4875 | -0.4875 | 6.90 | 8.07 | 0.1959 | -- | -- | 640,152.40 | -1.10 | -3.10 | -2.17 | -5.12 | 11.51 | 58.30 | -5.64 | -13.25 | -- | -- | 0.8206 | -- | -54.62 | -14.17 | -509.98 | -- | -4.59 | -- |
| Nelnet, Inc. | 1.35bn | 488.07m | 3.30bn | 6.20k | 6.81 | 1.15 | 5.20 | 2.45 | 12.65 | 12.65 | 34.89 | 74.78 | 0.0604 | -- | 18.16 | 217,385.20 | 2.19 | 0.9138 | 2.23 | 0.9262 | 78.88 | 59.39 | 36.27 | 15.97 | -- | 11.03 | 0.8682 | 11.52 | -18.03 | 3.66 | 148.28 | 5.56 | 46.55 | 14.32 |
| Alliance Data Systems Corporation | 4.31bn | 876.70m | 3.39bn | 8.00k | 3.87 | 1.51 | 3.27 | 0.788 | 17.61 | 15.94 | 86.87 | 45.09 | 0.1986 | 10.51 | 0.3042 | 538,312.50 | 4.04 | 2.24 | 8.90 | 3.61 | 51.79 | 50.76 | 20.36 | 10.71 | 1.48 | 3.92 | 0.8846 | 15.54 | -18.99 | -6.83 | -44.63 | -11.76 | -22.38 | -- |
| ACI Worldwide Inc | 1.29bn | 85.47m | 3.43bn | 3.77k | 40.66 | 2.86 | 15.49 | 2.65 | 0.7166 | 0.7166 | 10.88 | 10.17 | 0.4087 | -- | 4.24 | 342,572.40 | 2.71 | 3.10 | 3.47 | 3.83 | 51.39 | 54.17 | 6.62 | 6.55 | -- | 4.81 | 0.4733 | 0.00 | 2.86 | 4.35 | 8.35 | -3.19 | -0.9469 | -- |
| 360 DigiTech Inc | 2.44bn | 890.00m | 3.54bn | 1.64k | 4.17 | 1.60 | -- | 1.45 | 5.59 | 5.59 | 15.36 | 14.57 | 0.5642 | -- | 7.22 | 1,487,279.00 | 20.55 | -- | 39.34 | -- | 86.45 | -- | 36.42 | -- | -- | -- | 0.0232 | -- | 47.12 | -- | 39.78 | -- | -- | -- |
| PennyMac Financial Services Inc | 3.91bn | 1.28bn | 3.93bn | 7.26k | 3.55 | 1.09 | 2.99 | 1.01 | 17.85 | 17.85 | 55.03 | 58.00 | 0.1536 | -- | 40.51 | 589,596.50 | 5.04 | 6.12 | 7.72 | 12.33 | 89.91 | 90.80 | 32.82 | 30.57 | -- | -- | 0.7498 | 2.22 | 135.42 | 33.49 | 319.09 | 103.47 | -26.58 | -- |
| Remitly Global Inc | 403.37m | -31.19m | 3.95bn | 1.70k | -- | 8.08 | -- | 9.79 | -0.192 | -0.192 | 2.49 | 2.98 | -- | -- | -- | 310,282.30 | -- | -- | -- | -- | -- | -- | -7.73 | -- | -- | -31.21 | 0.00 | -- | 103.02 | -- | 48.74 | -- | -- | -- |
| AvidXchange Holdings Inc | -100.00bn | -100.00bn | 4.19bn | 1.50k | -- | -- | -- | -- | -- | -- | -- | 1.42 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 0.3896 | -- | 24.30 | -- | -54.10 | -- | -- | -- |
| Flywire Corp | 182.99m | -20.85m | 4.25bn | 473.00 | -- | 8.22 | -- | 23.25 | -0.3864 | -0.3864 | 1.96 | 4.94 | -- | -- | -- | -- | -- | -- | -- | -- | 65.85 | -- | -11.39 | -- | -- | -1.14 | 0.0505 | -- | 38.84 | -- | 44.79 | -- | -- | -- |
| Shift4 Payments Inc | 1.18bn | 26.10m | 4.31bn | 1.31k | 190.17 | 14.46 | 223.54 | 3.66 | 0.2736 | 0.2736 | 15.71 | 3.60 | 0.6794 | 584.50 | 8.55 | 903,448.30 | -4.70 | -- | -5.84 | -- | 20.68 | -- | -6.92 | -- | 8.25 | -0.5901 | 0.7996 | -- | 4.85 | -- | 69.26 | -- | -- | -- |
| Walker & Dunlop, Inc. | 1.20bn | 260.35m | 4.51bn | 988.00 | 16.94 | 3.21 | 9.74 | 3.75 | 8.30 | 8.30 | 38.32 | 43.76 | 0.2307 | -- | 15.21 | 1,216,294.00 | 5.16 | 5.73 | 5.23 | 6.02 | -- | -- | 22.38 | 21.67 | -- | 52.29 | 0.6973 | 13.99 | 32.61 | 18.28 | 42.40 | 23.80 | 16.12 | -- |
Data as of Dec 01 2021. Currency figures normalised to 360 DigiTech Inc's reporting currency: US Dollar USD
30.30%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Morgan Stanley Investment Management Co.as of 30 Sep 2021 | 8.69m | 6.57% |
| TT International Asset Management Ltd.as of 30 Sep 2021 | 7.92m | 5.99% |
| Gold Dragon Worldwide Asseet Management Ltd.as of 30 Sep 2021 | 5.10m | 3.86% |
| The Vanguard Group, Inc.as of 30 Sep 2021 | 3.87m | 2.92% |
| Norges Bank Investment Managementas of 31 Dec 2020 | 2.93m | 2.21% |
| Morgan Stanley & Co. LLCas of 30 Sep 2021 | 2.92m | 2.21% |
| BlackRock Fund Advisorsas of 30 Sep 2021 | 2.36m | 1.78% |
| Greenwoods Investments SG Pte Ltd.as of 30 Sep 2021 | 2.34m | 1.77% |
| Krane Funds Advisors LLCas of 30 Sep 2021 | 2.28m | 1.72% |
| SSgA Funds Management, Inc.as of 30 Sep 2021 | 1.69m | 1.28% |
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Data from 31 Dec 2020 - 30 Sep 2021Source: FactSet Research Systems Inc.
