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QFIN

9/9 Score

Qfin Holdings, Inc.

Analysis Date: February 14, 2026

Qifu Technology, Inc., together with its subsidiaries, operates credit-tech platform under the 360 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.

Buffettology Criteria

All 9 of 9 criteria passed

  • High ROE

    Return on Equity > 12%

    Value: 28.8%

  • High ROIC

    Return on Invested Capital > 9%

    Value: 15.3%

  • Cash Machine

    FCF / Assets > 5%

    Value: 19.1%

  • Fair Valuation

    Earnings Yield > 3.5%

    Value: 96.5%

  • Share Buybacks

    Share Count is Dropping

    Value: -9.3%

  • Defensible Moat

    Gross Profit Margin > 40%

    Value: 71.5%

  • Simple Business

    Not in a speculative sector (e.g., Biotech)

    Value: Financial Services

  • Conservative Debt

    Debt to Equity < 1.5

    Value: 0.26x

  • Consistent Growth

    5-Year Growth is Positive

    Value: 142.7%

Analysis Summary

This QFIN business presents itself with a strong showing across the board, particularly admirable in its robust ROE and ROIC, signaling efficient use of capital. The financial strength, evidenced by conservative debt levels and a healthy cash conversion, coupled with a seemingly defensible moat, suggests a company that can weather many economic storms. A score of 9 out of 9 is rare and certainly warrants a closer look for a long-term investment.

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