Qfin Holdings Inc. ADR (NASDAQ: QFIN) gained 7.27% on Tuesday, closing at $18.16. Over the past 52 weeks, the stock has fluctuated between $17.61 and $48.94, reflecting significant volatility. In the last five years, the company’s annual sales grew 18.01%, with an average annual earnings per share of 9.13%. QFIN currently has a float of 118.23 million shares and 130.19 million shares outstanding.
Insider Activity Signals Caution
Investor sentiment is key in the Credit Services sector. QFIN insiders own 8.52%, while institutions hold 66.45%, showing strong professional backing. Recent insider transactions include a sale on June 30, 2025, worth $4,079,972, and another on June 26, 2025, where an officer sold 50,000 shares at $45.20, totaling $2,260,000, suggesting some cautious profit-taking by management.
Earnings Performance and Forecast
In its latest quarterly report ending December 31, 2024, QFIN posted 13.24 EPS, beating consensus estimates of 12.22 EPS by 1.02. Analysts expect earnings of 13.4 EPS for the current fiscal year. Looking ahead, long-term EPS is projected to grow 5.72% over the next five years, a slowdown compared with the 18.01% growth of the previous five years.
Current Financial Health
QFIN maintains a quick ratio of 1.08, reflecting adequate short-term liquidity. Its price-to-sales ratio for the trailing twelve months is 0.93, suggesting moderate valuation relative to revenue. Trailing twelve-month diluted EPS is 6.85, expected to reach 1.29 next quarter and 5.74 over the next year.
Technical Analysis Shows Mixed Signals
The 5-day average volume for QFIN is 3.06 million, up from a year-to-date volume of 1.81 million, indicating growing trading interest. The stock’s Stochastic %D is 15.74%, while the 100-day raw stochastic average is 6.81%, down from 30.26% over the past two weeks. Short-term volatility is moderate, with a 14-day historical volatility of 0.91, below the 100-day volatility of 1.22.
Key technical levels:
- Resistance: $20.04, $20.61, $21.10
- Support: $18.98, $18.49, $17.92
The stock trades below its 50-day moving average of $25.51 and 200-day moving average of $35.98, signaling potential downside pressure despite the recent spike.
QFIN’s Financial Snapshot
Qfin Holdings has a market capitalization of $2.52 billion with 141,991K shares outstanding. Current annual sales total $2,352M, and net income is $858.21M. In the latest quarter, the company earned $731.25M, compared to $201.71M in the previous quarter, reflecting strong quarterly performance amid a volatile stock price.
