What Is Qfin Holdings, Inc. (QFIN) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, Qfin Holdings, Inc. is potentially undervalued at its current price of $12.80. Based on our 13-model framework, Qfin Holdings, Inc.'s intrinsic value is estimated at a composite fair value of $29.50 — representing +130.4% implied upside — with 4 out of 5 active models confirming this thesis. Model dispersion is worth noting: EROIC targets $51.17 (+299.8%), versus Dynamic NAV at $3.87 (-69.7%). This +369.5% range highlights the importance of multi-model analysis rather than relying on any single methodology.
What Do the Models Say About QFIN?
5 of 13 models are currently active for QFIN. Of these, 4 models suggest upside while 1 model suggests overvaluation. See which stocks rank higher →
How Does QFIN Rank in Finance Services?
Among 118 Finance Services stocks, QFIN ranks #1 by Quality of Company score. CirclFi's QOC score of 10.0/10 evaluates 32 fundamental signals. A score of 10.0 places QFIN in the top tier.
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Qfin Holdings, Inc. operates in a competitive landscape where fundamental quality metrics are key differentiators for long-term value creation.
Is QFIN a Value Trap?
CirclFi's Value Trap algorithm assigns QFIN a score of 12/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
5 of 13 models are active for Qfin Holdings, Inc.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi Deep Alpha Valuation Engine, Qfin Holdings, Inc. scores 10.0 out of 10 on our 32-signal quality assessment, a elite rating that ranks among the highest-quality businesses in our coverage universe. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.
The gap between the most bullish and bearish model spans +369.5% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every QFIN valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across QFIN's 5 active models, average confidence is 39%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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