Upcoming earnings as a potential catalyst

Qfin Holdings (QFIN) has scheduled the release of its unaudited fourth quarter and full year 2025 results after U.S. markets close on March 17, 2026, followed by an earnings conference call.

Qfin Holdings' share price has come under pressure ahead of the earnings release, with a 1 day share price return of 2.20% decline, a 30 day share price return of 12.91% decline and a 1 year total shareholder return of 63.19% decline. This suggests recent momentum has been fading despite a relatively modest 3 year total shareholder return of 1.67% decline.

If this earnings update has you reassessing your exposure to financial technology, it could be a good moment to broaden your search and check out 20 top founder-led companies as potential fresh ideas.

With the share price under pressure, annual revenue of CN¥19,594.584 and net income of CN¥6,886.779, plus a quoted intrinsic discount of 80%, is QFIN now on sale, or is the market already pricing in any future growth?

Most Popular Narrative: 55.2% Undervalued

At a last close of $14.23 versus a widely followed fair value estimate of about $31.78, the current price sits well below that narrative benchmark, which is built using a 9.52% discount rate and detailed earnings and revenue assumptions.

Overseas expansion, beginning with the U.K. market and further international opportunities, leverages Qfin's proprietary fintech infrastructure and data analytics to address underserved borrower segments globally, expanding the company's addressable market and providing an additional vector for long-term revenue and profit growth.

Curious what sits behind that gap between price and fair value? The narrative leans on specific paths for revenue, earnings, and future valuation multiples that could be different from current expectations.

Result: Fair Value of $31.78 (UNDERVALUED)

However, softer consumer credit demand in China and rising asset quality pressures could quickly challenge the optimistic case if credit losses or loan growth fall short of expectations.

Next Steps

With sentiment clearly split between risk and opportunity, this is a good time to review the numbers yourself and decide quickly where you stand. Start with the 3 key rewards and 2 important warning signs to see how others are weighing both sides.

Looking for more investment ideas?

If QFIN has you rethinking your portfolio, do not stop here. Use this moment to scan other opportunities before the market moves without you.

• Target stability around income by checking out 14 dividend fortresses that could help anchor your portfolio when sentiment swings.
• Spot potential value gaps early by reviewing 50 high quality undervalued stocks that currently price in less optimism than their fundamentals might suggest.
• Zero in on resilience by running through our 67 resilient stocks with low risk scores that score well on business quality and balance sheet strength.

This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.