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360 DigiTech (QFIN) Stock Forecast for 2025, 2026, 2027. Sell or Buy?
Updated: April 20, 2025 (14:18)
Sector: FinancialThe share price of 360 DigiTech, Inc. (QFIN) now
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Analyzing the Most Important QFIN news

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


Qifu Technology Surges 11% on Dividend Hike and Earnings Beat


Qifu Technology Reports $1.87 Non-GAAP EPADS and Initiates FY25 Outlook

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 Technology (QFIN) demonstrates strong growth potential, driven by operational efficiency, technological innovation, and favorable regulatory tailwinds in China’s fintech sector. Its advanced risk management systems and AI-driven credit solutions contribute to resilient margins and stable revenue growth. However, concerns regarding tighter regulatory oversight and pricing competition may create temporary headwinds. QFIN's undervalued valuation relative to peers and the evolving supportive regulatory landscape enhance its attractiveness for investors seeking long-term value. Despite macroeconomic challenges, the company's technological advantages and scalable model position it for continued market share expansion.

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: Regulatory Headwinds Pose Risks Despite Growth Potential, Maintain 'Hold'

Regulatory pressures remain a critical concern for Qifu Technology, as tightening oversight in the Chinese financial technology sector continues to create potential uncertainty. According to the author, these persistent risks could deter investor sentiment, dampening any near-term stock price appreciation despite an otherwise favorable operating environment.
Fundamental growth drivers, particularly the company’s robust loan facilitation business and advancements in AI-driven credit evaluation, present significant long-term value. However, the author implies that these strengths may not be fully realized in the current regulatory climate, making their immediate impact on stock valuation relatively limited.
Balancing Risks and Opportunities
The competitive landscape for Qifu remains a double-edged sword, as it leverages its technological edge to combat growing competition while facing pricing pressures. The author underscores that while market share stability is a positive, profitability margins may face compression, moderating optimism for the stock's performance.
Macroeconomic headwinds, including slower-than-expected growth in China's broader economy, could serve as an overhang on the company. Although the author views Qifu’s business model as relatively resilient, such external factors create additional uncertainty around near-term outlooks.

Qifu Technology: A High-Growth Fintech Opportunity with Untapped Potential

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 (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, 0 clearly showcase a bullish trend, while 0 display bearish tendencies, and 1 events are neutral.
The strength of the bearish trend is roughly equivalent to the bullish sentiment, indicating a certain current stability in stock prices when based on news background analysis.
The news analyzed fell within the period from Mar 25, 2025, to Mar 25, 2025.
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


Roth MKM Expands ADR Picks: Spotlight on Qifu Technology


360 DigiTech daily forecast for a month
Date | Target | Pes. | Opt. | Vol., % |
---|---|---|---|---|
Apr 22 | 34.61 | 34.32 | 35.64 | 3.83 |
Apr 23 | 34.54 | 34.02 | 34.89 | 2.56 |
Apr 24 | 34.97 | 34.50 | 35.71 | 3.53 |
Apr 25 | 34.06 | 33.01 | 34.74 | 5.24 |
Apr 26 | 35.27 | 34.61 | 35.81 | 3.47 |
Apr 27 | 36.63 | 36.07 | 36.92 | 2.36 |
Apr 28 | 36.75 | 35.70 | 37.57 | 5.23 |
Apr 29 | 37.36 | 36.30 | 38.23 | 5.31 |
Apr 30 | 38.54 | 38.02 | 39.07 | 2.76 |
May 01 | 38.21 | 37.41 | 38.95 | 4.13 |
May 02 | 37.69 | 37.10 | 38.67 | 4.23 |
May 03 | 37.16 | 36.47 | 38.01 | 4.20 |
May 04 | 37.86 | 37.04 | 38.34 | 3.52 |
May 05 | 37.84 | 37.07 | 38.67 | 4.33 |
May 06 | 38.33 | 37.91 | 39.37 | 3.84 |
May 07 | 38.71 | 37.80 | 39.45 | 4.38 |
May 08 | 39.07 | 38.32 | 39.69 | 3.59 |
May 09 | 40.63 | 39.91 | 41.33 | 3.54 |
May 10 | 40.38 | 39.95 | 41.64 | 4.25 |
May 11 | 39.03 | 38.61 | 40.15 | 4.00 |
May 12 | 38.54 | 38.16 | 39.62 | 3.84 |
May 13 | 37.68 | 36.99 | 38.43 | 3.91 |
May 14 | 38.86 | 38.42 | 40.04 | 4.21 |
May 15 | 40.39 | 39.54 | 41.23 | 4.29 |
May 16 | 40.93 | 40.44 | 41.76 | 3.28 |
May 17 | 42.04 | 40.75 | 43.22 | 6.07 |
May 18 | 40.48 | 39.75 | 41.59 | 4.64 |
May 19 | 38.99 | 37.99 | 39.52 | 4.02 |
May 20 | 38.68 | 38.10 | 39.08 | 2.56 |
May 21 | 39.02 | 38.45 | 39.77 | 3.41 |
360 DigiTech Daily Price Targets
360 DigiTech Stock Forecast 04-22-2025.
Forecast target price for 04-22-2025: $34.61.
Negative dynamics for 360 DigiTech shares will prevail with possible volatility of 3.691%.
Pessimistic target level: 34.32
Optimistic target level: 35.64
360 DigiTech Stock Forecast 04-23-2025.
Forecast target price for 04-23-2025: $34.54.
Negative dynamics for 360 DigiTech shares will prevail with possible volatility of 2.495%.
Pessimistic target level: 34.02
Optimistic target level: 34.89
360 DigiTech Stock Forecast 04-24-2025.
Forecast target price for 04-24-2025: $34.97.
Positive dynamics for 360 DigiTech shares will prevail with possible volatility of 3.408%.
Pessimistic target level: 34.50
Optimistic target level: 35.71
360 DigiTech Stock Forecast 04-25-2025.
Forecast target price for 04-25-2025: $34.06.
Negative dynamics for 360 DigiTech shares will prevail with possible volatility of 4.980%.
Pessimistic target level: 33.01
Optimistic target level: 34.74
360 DigiTech Stock Forecast 04-26-2025.
Forecast target price for 04-26-2025: $35.27.
Positive dynamics for 360 DigiTech shares will prevail with possible volatility of 3.349%.
Pessimistic target level: 34.61
Optimistic target level: 35.81
360 DigiTech Stock Forecast 04-27-2025.
Forecast target price for 04-27-2025: $36.63.
Positive dynamics for 360 DigiTech shares will prevail with possible volatility of 2.302%.
Pessimistic target level: 36.07
Optimistic target level: 36.92
QFIN (QFIN) Monthly Stock Prediction for 2025
Month | Target | Pes. | Opt. | Vol., % |
---|---|---|---|---|
May. | 42.24 | 38.59 | 45.89 | 15.91 |
Jun. | 40.28 | 37.32 | 41.90 | 10.92 |
Jul. | 41.06 | 39.22 | 46.18 | 15.08 |
Aug. | 43.55 | 40.35 | 44.95 | 10.23 |
Sep. | 41.60 | 39.27 | 46.79 | 16.07 |
Oct. | 44.13 | 38.69 | 49.15 | 21.26 |
Nov. | 42.51 | 39.92 | 47.27 | 15.54 |
Dec. | 41.15 | 37.07 | 45.69 | 18.88 |
360 DigiTech forecast for this year
360 DigiTech Stock Prediction for May 2025
An uptrend is forecast for this month with an optimal target price of $42.2438. Pessimistic: $38.59. Optimistic: $45.89
360 DigiTech Stock Prediction for Jun 2025
An downtrend is forecast for this month with an optimal target price of $40.2837. Pessimistic: $37.32. Optimistic: $41.90
360 DigiTech Stock Prediction for Jul 2025
An uptrend is forecast for this month with an optimal target price of $41.0571. Pessimistic: $39.22. Optimistic: $46.18
360 DigiTech Stock Prediction for Aug 2025
An uptrend is forecast for this month with an optimal target price of $43.5534. Pessimistic: $40.35. Optimistic: $44.95
360 DigiTech Stock Prediction for Sep 2025
An downtrend is forecast for this month with an optimal target price of $41.6022. Pessimistic: $39.27. Optimistic: $46.79
360 DigiTech Stock Prediction for Oct 2025
An uptrend is forecast for this month with an optimal target price of $44.1316. Pessimistic: $38.69. Optimistic: $49.15
360 DigiTech Stock Prediction for Nov 2025
An downtrend is forecast for this month with an optimal target price of $42.5076. Pessimistic: $39.92. Optimistic: $47.27
360 DigiTech Stock Prediction for Dec 2025
An downtrend is forecast for this month with an optimal target price of $41.1473. Pessimistic: $37.07. Optimistic: $45.69
360 DigiTech (QFIN) Monthly Stock Prediction for 2026
Month | Target | Pes. | Opt. | Vol., % |
---|---|---|---|---|
Jan | 40.82 | 36.51 | 45.65 | 20.03 |
Feb | 46.30 | 44.30 | 48.82 | 9.26 |
Mar | 42.67 | 37.42 | 45.47 | 17.72 |
Apr | 41.10 | 37.82 | 45.31 | 16.55 |
May | 40.71 | 35.56 | 42.92 | 17.15 |
Jun | 44.68 | 40.82 | 49.19 | 17.01 |
Jul | 43.04 | 37.94 | 45.17 | 16.01 |
Aug | 46.69 | 40.79 | 49.23 | 17.15 |
Sep | 51.77 | 49.03 | 56.32 | 12.94 |
Oct | 54.17 | 51.83 | 60.06 | 13.71 |
Nov | 60.93 | 57.81 | 68.63 | 15.77 |
Dec | 55.08 | 50.59 | 61.16 | 17.29 |
360 DigiTech (QFIN) Monthly Stock Prediction for 2027
Month | Target | Pes. | Opt. | Vol., % |
---|---|---|---|---|
Jan | 57.37 | 50.40 | 60.49 | 16.69 |
Feb | 57.65 | 55.34 | 61.98 | 10.71 |
Mar | 61.71 | 55.39 | 65.95 | 16.02 |
Apr | 60.92 | 54.29 | 65.01 | 16.49 |
May | 57.99 | 52.80 | 60.50 | 12.73 |
Jun | 63.09 | 60.37 | 68.75 | 12.19 |
Jul | 70.16 | 61.41 | 77.01 | 20.26 |
Aug | 59.50 | 57.31 | 62.83 | 8.79 |
Sep | 57.97 | 53.71 | 65.30 | 17.76 |
Oct | 49.72 | 45.34 | 55.21 | 17.87 |
Nov | 42.96 | 39.66 | 45.02 | 11.91 |
Dec | 47.84 | 42.10 | 52.12 | 19.24 |
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.