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360 DigiTech (QFIN) Stock Forecast for 2025, 2026, 2027. Sell or Buy?
Updated: May 24, 2025 (15:53)
Sector: FinancialThe share price of 360 DigiTech, Inc. (QFIN) now
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Analyzing the Most Important QFIN news

Qifu Technology Delivers Strong Q1 Results: Revenue Beats Expectations


Qifu Technology Unveils $600M Convertible Notes Offering Set for 2030


Qifu Technology Surges 11% on Dividend Hike and Earnings Beat

Historical and forecast chart of 360 DigiTech stock
The chart below shows the historical price of 360 DigiTech stock and a prediction chart for the next month.
For convenience, prices are divided by color. Forecast prices include: Optimistic Forecast, Pessimistic Forecast,
and Weighted Average Best Forecast. Detailed values for the 360 DigiTech stock price can be found in the table below.
Long-term forecasts by years.
360 DigiTech, Inc. Analysts predictions review

Qifu Holdings (QFIN) shows mixed indicators for near-term performance. Bullish drivers include favorable regulatory policies, robust operational efficiency, advanced risk management systems, and tailwinds from China's macroeconomic recovery, contributing to earnings growth and competitive positioning. However, bearish signals arise from technical resistance levels, declining trading volume, and concerns over valuation relative to peers, indicating limited upside potential. Key risks such as regulatory shifts and tightening credit conditions may further impact stock performance in the short term. Investors should weigh the long-term growth potential against near-term volatility.

Qifu Holdings: Capturing a Potential Asymmetric Growth Opportunity

Qifu Holdings, a leader in China’s FinTech sector, demonstrates robust financial performance with a well-diversified revenue stream. The company's focus on leveraging AI-driven credit analysis tools has resulted in consistent earnings growth, reflecting a scalable operational model. The author argues that Qifu's ability to maintain high margins despite regulatory pressures highlights its strong competitive positioning.
The Role of Market Dynamics
China’s macroeconomic recovery serves as a critical tailwind for the company. As consumer credit demand revives and confidence strengthens, Qifu stands to benefit from rising transaction volumes across its platform, underscoring the value of its niche in the local credit market. The article points out that management’s commitment to capital efficiency and buybacks further enhances the stock’s attractiveness. This not only supports potential upside but also mitigates downside risk for long-term investors.
The firm's valuation remains compelling, trading at a significant discount relative to peers in the sector. The author emphasizes the asymmetric risk-reward potential if Qifu continues executing its strategy efficiently. However, key risks such as potential regulatory shifts in China and increased competition warrant close monitoring, as they could impact near-term performance.

Qifu Technology: Strategic Sell Opportunity Amid Technical Weakness

Qifu Technology (QFIN) faces renewed pressure due to technical indicators pointing towards a correction phase after a period of strength. The analysis underscores that the stock is trading near key resistance levels, where selling pressures are expected to intensify, potentially capping near-term upside momentum.
Another critical factor discussed is declining volume during recent upward movements, which signals waning investor confidence. Lower participation rates in these rallies often precede price consolidations or reversals, reinforcing the bearish sentiment.
Macroeconomic Trends and Forward Guidance
The broader macroeconomic environment was highlighted as a contributor to potential weakness in QFIN's stock performance. With tightening credit conditions and a cautious lending backdrop, companies like Qifu, which depend on financial technology services, may experience reduced growth prospects.
Lastly, a valuation concern further complicates the outlook. Even amid short-term gains, the stock's current multiple is perceived as stretched when compared both to sector peers and its own historical averages, suggesting limited upside potential in the absence of fundamental tailwinds.

Qifu Technology: Leveraging Policy Support and Operational Prowess for Growth

Qifu Technology (QFIN) stands to benefit substantially from favorable regulatory policies in its sector, which position the company as a key player in China's financial technology ecosystem. According to the author, these tailwinds provide a supportive framework for QFIN to expand its operational capacities and enhance its market share, likely strengthening investor confidence in the near term.
Operational Efficiency and Resilient Growth
The company's robust operational strengths, particularly its advanced risk management systems, have allowed it to maintain stable margins and low default rates, even in a challenging macroeconomic environment. This efficient operational model sets QFIN apart from peers, potentially driving long-term value creation for shareholders despite economic uncertainties.
Furthermore, the article highlights the company's strong customer acquisition strategy, fueled by technology-driven innovations. This strategy not only secures a growing client base but also enhances recurring revenue streams, reinforcing QFIN's revenue predictability and competitive position.
Qifu Technology (QFIN) has gained attention for its robust fintech business model, which leverages a unique combination of data analytics and AI-driven credit solutions to serve China's underserved borrowers. The company's ability to maintain profitability while scaling operations in a highly competitive market positions it as a resilient player in a sector poised for long-term growth, particularly as credit demand continues to rise in emerging markets like China.
Tailwinds Driving Qifu's Stock Potential
Revenue growth remains a critical driver for Qifu, with the company consistently outpacing its peers in the fintech sector. The author highlights the sustainability of this growth, partly attributed to efficient risk management practices and well-targeted customer acquisition strategies, which directly strengthen its top-line performance and reduce default rates.
The valuation of Qifu also appears favorable relative to intrinsic metrics and industry benchmarks. According to the author's assessment, the undervaluation offers investors an asymmetrical risk-reward profile, amplifying the stock's appeal in a market environment where many fintech names are trading at premium multiples.
Regulatory developments within China constitute another influential factor, with policymakers seemingly adopting a more tempered and supportive stance toward fintech innovation. The author suggests that this evolving regulatory landscape reduces downside risk while enhancing Qifu’s competitive advantage, given its compliance track record and established partnerships with traditional financial institutions.
Finally, Qifu's technological capabilities underpin its forward momentum, providing a moat against competitors. Investments in machine learning and proprietary algorithms not only improve credit scoring accuracy but also heighten operational efficiencies, laying the groundwork for scalable expansion in both domestic and international markets.
Qifu Technology's growth trajectory is underpinned by strong fundamentals, including consistent expansion in its core fintech services targeting underbanked and underserved demographics. The company's ability to scale its operations and deliver revenue growth signifies resilience within a competitive market, according to the author's analysis.
However, the presence of Qifu Technology on the Department of Defense’s (DoD) watchlist introduces material geopolitical and regulatory risk. This designation could impact the company’s access to capital markets, investor sentiment, and its ability to form international partnerships, representing a significant threat to its valuation.
Implications of Growth Versus Risk
Another factor highlighted is the firm's profitability metrics, which are currently robust and suggestive of operational efficiency and cost management. These strengths may offer a buffer against near-term market volatility but are insufficient to fully negate the overhang of DoD-related risks.
Valuation remains a key point of contention, with the stock trading at a multiple that reflects both its growth potential and the embedded geopolitical uncertainty. The author suggests this discount could be an opportunity for risk-tolerant investors but cautions that resolution of the DoD watchlist issue is critical to unlocking long-term value.
Qifu Technology (QFIN) demonstrates a strong foundation supported by robust financial performance, including consistent revenue growth and high profitability metrics. The company's effective cost management and scalable business model position it to capitalize on expanding market opportunities, suggesting near-term stock price appreciation.
Strategic Business Drivers and Market Dynamics
QFIN's diversified loan portfolio and advanced AI-driven risk management system provide a competitive advantage in the fintech sector. These innovations reduce credit risk, improve operational efficiency, and make QFIN more resilient to macroeconomic challenges, bolstering investor confidence.
Additionally, management's focus on expanding partnerships with financial institutions and enhancing cross-selling opportunities further underpins their anticipated growth trajectory. This strategic alignment with market needs could enhance revenue streams and strengthen long-term market positioning.
On the regulatory front, QFIN's compliance with tightening Chinese fintech regulations mitigates downside risks. This regulatory adherence allows the company to maintain operational stability, which is a critical factor for sustaining investor trust and market interest.
Qifu Technology (QFIN) exhibits strong quantitative factor grades, suggesting a solid foundation in profitability, growth, and valuation metrics that appeal to data-driven investors. These grades highlight the company's operational strength and potential for sustained performance, but reliance on quant factors alone may not capture certain risks.
Valuation concerns play a critical role in the author's perspective, as the stock may already reflect much of its growth potential. Premium valuation levels, if not supported by continued robust earnings, could temper near-term upside and increase vulnerability to downside corrections.
External Headwinds and Market Dynamics
Macro-level headwinds—such as regulatory risks in China's fintech sector—pose uncertainties that could impact broader investor sentiment. These factors could delay or hinder Qifu's ability to scale further, particularly if stricter compliance demands divert resources.
Lastly, competitive pressures within the fintech industry cannot be overlooked, with Qifu facing challenges from rivals offering innovative products or superior user acquisition tactics. While Qifu has shown resilience, maintaining market leadership and margin stability remains a key test for the company.
Comprehensive Analysis of 360 DigiTech (QFIN) Stock Market Performance
Our multifaceted analysis of 360 DigiTech's stock market is grounded in the company's key news stories, insights from reputable analysts, as well as mathematical and technical evaluations. Taking into account assessments from each of these aspects in real-time helps us address the most crucial questions for investors in the most objective way possible:
- When should I take profit in 360 DigiTech stock?
- When should I record a loss on 360 DigiTech stock?
- What are analysts' forecasts for 360 DigiTech stock?
- What is the future of 360 DigiTech stock?
We forecast 360 DigiTech stock performance using neural networks based on historical data on 360 DigiTech stocks.
360 DigiTech Inc is a digital, data-driven and technology-powered platform. Through its platform, the firm enables financial institutions to offer products and services to a wider range of consumers. The company also offers standardized risk management services to institutional clients in the form of SaaS modules.
360 DigiTech, Inc. News influencing stock rates

As of now, Panda has combed through 1 news items directly related to QFIN from the last 30 days. Out of these, 1 clearly showcase a bullish trend, while 0 display bearish tendencies, and 0 events are neutral.
Based on an analysis of the most important news from the last 30 days affecting QFIN shares, it's clear that bullish sentiments are completely overshadowing bearish ones. The impact of positive news is more than five times as dominant as that of negative developments.
The news analyzed fell within the period from May 19, 2025, to May 19, 2025.
Qifu Technology Reports $1.87 Non-GAAP EPADS and Initiates FY25 Outlook


Qifu Technology Boosts Dividends by 16.7% and Authorizes $350M Share Buyback


Barclays Boosts Credit Giants on Bullish 2025 Outlook


Top Dividend Picks with 2% Yield for 2025


Qifu Technology Boosts Valuation with New Share Buyback Amid Strong Q3 Earnings


Qifu Technology Q3 Profits Surge Amid Revenue Growth


Key Earnings on the Horizon: What Awaits Post-Bell?


China's Stimulus Propels Qifu, Lufax, and Futu to New Heights


Top-Rated Chinese Stocks Surge Amid Economic Stimulus


China's Stimulus Jolt: Financial Stocks Surge


360 DigiTech daily forecast for a month
Date | Target | Pes. | Opt. | Vol., % |
---|---|---|---|---|
May 26 | 44.51 | 43.49 | 45.59 | 4.83 |
May 27 | 43.96 | 42.85 | 44.82 | 4.60 |
May 28 | 44.45 | 43.49 | 45.71 | 5.11 |
May 29 | 45.28 | 44.23 | 46.26 | 4.59 |
May 30 | 46.52 | 45.62 | 47.00 | 3.02 |
May 31 | 46.37 | 44.94 | 46.79 | 4.13 |
Jun 01 | 47.15 | 46.52 | 48.64 | 4.54 |
Jun 02 | 47.43 | 46.78 | 48.40 | 3.45 |
Jun 03 | 46.56 | 45.72 | 47.36 | 3.58 |
Jun 04 | 45.62 | 45.19 | 46.35 | 2.58 |
Jun 05 | 44.62 | 43.71 | 45.30 | 3.63 |
Jun 06 | 43.89 | 42.78 | 44.75 | 4.60 |
Jun 07 | 43.05 | 41.98 | 44.39 | 5.74 |
Jun 08 | 43.94 | 42.82 | 44.96 | 5.01 |
Jun 09 | 44.59 | 43.86 | 45.13 | 2.89 |
Jun 10 | 44.24 | 43.03 | 45.63 | 6.04 |
Jun 11 | 43.99 | 43.42 | 44.81 | 3.20 |
Jun 12 | 45.54 | 44.39 | 45.92 | 3.45 |
Jun 13 | 45.35 | 44.21 | 46.32 | 4.76 |
Jun 14 | 46.06 | 44.86 | 46.82 | 4.35 |
Jun 15 | 45.38 | 44.71 | 46.31 | 3.57 |
Jun 16 | 44.67 | 43.85 | 45.15 | 2.97 |
Jun 17 | 46.03 | 45.02 | 46.86 | 4.09 |
Jun 18 | 45.75 | 44.45 | 46.54 | 4.69 |
Jun 19 | 45.53 | 44.37 | 46.24 | 4.23 |
Jun 20 | 46.66 | 45.84 | 47.75 | 4.15 |
Jun 21 | 45.71 | 44.36 | 46.33 | 4.45 |
Jun 22 | 44.54 | 43.47 | 45.09 | 3.73 |
Jun 23 | 44.49 | 44.11 | 45.79 | 3.79 |
Jun 24 | 43.74 | 43.06 | 44.37 | 3.05 |
360 DigiTech Daily Price Targets
360 DigiTech Stock Forecast 05-26-2025.
Forecast target price for 05-26-2025: $44.51.
Positive dynamics for 360 DigiTech shares will prevail with possible volatility of 4.607%.
Pessimistic target level: 43.49
Optimistic target level: 45.59
360 DigiTech Stock Forecast 05-27-2025.
Forecast target price for 05-27-2025: $43.96.
Negative dynamics for 360 DigiTech shares will prevail with possible volatility of 4.394%.
Pessimistic target level: 42.85
Optimistic target level: 44.82
360 DigiTech Stock Forecast 05-28-2025.
Forecast target price for 05-28-2025: $44.45.
Positive dynamics for 360 DigiTech shares will prevail with possible volatility of 4.862%.
Pessimistic target level: 43.49
Optimistic target level: 45.71
360 DigiTech Stock Forecast 05-29-2025.
Forecast target price for 05-29-2025: $45.28.
Positive dynamics for 360 DigiTech shares will prevail with possible volatility of 4.385%.
Pessimistic target level: 44.23
Optimistic target level: 46.26
360 DigiTech Stock Forecast 05-30-2025.
Forecast target price for 05-30-2025: $46.52.
Positive dynamics for 360 DigiTech shares will prevail with possible volatility of 2.930%.
Pessimistic target level: 45.62
Optimistic target level: 47.00
360 DigiTech Stock Forecast 05-31-2025.
Forecast target price for 05-31-2025: $46.37.
Negative dynamics for 360 DigiTech shares will prevail with possible volatility of 3.963%.
Pessimistic target level: 44.94
Optimistic target level: 46.79
QFIN (QFIN) Monthly Stock Prediction for 2025
Month | Target | Pes. | Opt. | Vol., % |
---|---|---|---|---|
Jun. | 46.74 | 40.91 | 51.98 | 21.29 |
Jul. | 46.44 | 42.21 | 51.57 | 18.16 |
Aug. | 43.17 | 40.82 | 44.69 | 8.66 |
Sep. | 44.62 | 39.05 | 50.19 | 22.19 |
Oct. | 42.84 | 40.58 | 46.20 | 12.17 |
Nov. | 44.69 | 39.75 | 48.05 | 17.26 |
Dec. | 48.55 | 44.98 | 52.74 | 14.73 |
360 DigiTech forecast for this year
360 DigiTech Stock Prediction for Jun 2025
An uptrend is forecast for this month with an optimal target price of $46.7405. Pessimistic: $40.91. Optimistic: $51.98
360 DigiTech Stock Prediction for Jul 2025
An downtrend is forecast for this month with an optimal target price of $46.4413. Pessimistic: $42.21. Optimistic: $51.57
360 DigiTech Stock Prediction for Aug 2025
An downtrend is forecast for this month with an optimal target price of $43.1719. Pessimistic: $40.82. Optimistic: $44.69
360 DigiTech Stock Prediction for Sep 2025
An uptrend is forecast for this month with an optimal target price of $44.6224. Pessimistic: $39.05. Optimistic: $50.19
360 DigiTech Stock Prediction for Oct 2025
An downtrend is forecast for this month with an optimal target price of $42.8375. Pessimistic: $40.58. Optimistic: $46.20
360 DigiTech Stock Prediction for Nov 2025
An uptrend is forecast for this month with an optimal target price of $44.6881. Pessimistic: $39.75. Optimistic: $48.05
360 DigiTech Stock Prediction for Dec 2025
An uptrend is forecast for this month with an optimal target price of $48.5492. Pessimistic: $44.98. Optimistic: $52.74
360 DigiTech (QFIN) Monthly Stock Prediction for 2026
Month | Target | Pes. | Opt. | Vol., % |
---|---|---|---|---|
Jan | 48.16 | 46.62 | 49.78 | 6.35 |
Feb | 50.40 | 44.75 | 54.10 | 17.29 |
Mar | 55.88 | 51.68 | 59.99 | 13.86 |
Apr | 51.41 | 49.19 | 57.25 | 14.08 |
May | 46.56 | 44.47 | 52.14 | 14.71 |
Jun | 43.80 | 38.61 | 46.53 | 17.02 |
Jul | 48.99 | 45.14 | 52.67 | 14.29 |
Aug | 55.18 | 50.50 | 59.50 | 15.13 |
Sep | 56.68 | 51.96 | 60.67 | 14.35 |
Oct | 52.51 | 49.65 | 58.30 | 14.84 |
Nov | 52.25 | 50.00 | 54.18 | 7.72 |
Dec | 54.51 | 51.28 | 60.88 | 15.76 |
360 DigiTech (QFIN) Monthly Stock Prediction for 2027
Month | Target | Pes. | Opt. | Vol., % |
---|---|---|---|---|
Jan | 50.59 | 47.11 | 56.74 | 16.98 |
Feb | 50.59 | 47.67 | 54.31 | 12.22 |
Mar | 50.91 | 47.41 | 53.35 | 11.14 |
Apr | 53.68 | 48.70 | 57.54 | 15.37 |
May | 49.90 | 48.30 | 52.46 | 7.91 |
Jun | 49.18 | 45.25 | 50.76 | 10.85 |
Jul | 48.95 | 47.22 | 54.04 | 12.61 |
Aug | 49.42 | 45.46 | 54.16 | 16.06 |
Sep | 52.82 | 48.51 | 56.87 | 14.71 |
Oct | 54.00 | 51.23 | 57.37 | 10.69 |
Nov | 54.86 | 48.28 | 57.76 | 16.41 |
Dec | 53.37 | 47.22 | 55.08 | 14.26 |
360 DigiTech information and performance
CHINA DIAMOND EXCHANGE CTR, BUILDING B, NO. 555 PUDIAN RD., NO. 1701 CENTURY AVE, PUDONG NEW AREA, SHANGHAI, CHINA
Market capitalization of the 360 DigiTech, Inc. is the total market value of all issued shares of a company. It is calculated by the formula multiplying the number of QFIN shares in the company outstanding by the market price of one share.
EBITDA of 360 DigiTech is earnings before interest, income tax and depreciation of assets.
P/E ratio (price to earnings) - shows the ratio between the price of a share and the company's profit
Price/earnings to growth
Dividend Per Share is a financial indicator equal to the ratio of the company's net profit available for distribution to the annual average of ordinary shares.
Dividend yield is a ratio that shows how much a company pays in dividends each year at the stock price.
EPS shows how much of the net profit is accounted for by the common share.
Trailing P/E depends on what has already been done. It uses the current share price and divides it by the total earnings per share for the last 12 months.
Forward P/E uses projections of future earnings instead of final numbers.
Enterprise Value (EV) /Revenue
The EV / EBITDA ratio shows the ratio of the cost (EV) to its profit before tax, interest and amortization (EBITDA).
Number of issued ordinary shares
Number of freely tradable shares
Shares Short Prior Month - the number of shares in short positions in the last month.
360 DigiTech (QFIN) stock dividend
360 DigiTech last paid dividends on 04/23/2025. The next scheduled payment will be on 06/02/2025. The amount of dividends is $9.49 per share. If the date of the next dividend payment has not been updated, it means that the issuer has not yet announced the exact payment. As soon as information becomes available, we will immediately update the data. Bookmark our portal to stay updated.
Last Split Date: 01/01/1970
Splitting of shares is an increase in the number of securities of the issuing company circulating on the market due to a decrease in their value at constant capitalization.
For example, a 5: 1 ratio means that the value of one share will decrease 5 times, the total amount will increase 5 times. It is important to understand that this procedure does not change the capitalization of the company, as well as the total value of assets held in private hands.
FAQ (Frequently Asked Questions about 360 DigiTech Stock)
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All forecast data on the site are provided for informational purposes of using neural forecasting tools in the financial market and are not a call to action and, moreover, are not trading signals. When using the forecast data, the investor assumes all financial risks. The pandaforecast.com portal is not responsible for the loss of your money in the stock market as a result of using the information contained on the site.