QFIN

Key Takeaways

At $15.20 the stock trades near 4 times earnings, a roughly 23% earnings yield. Read as a capital-light fee business, the price sits below what even a 5%-a-year decline in fee earnings would justify. The multiple is pricing deterioration, not stability. That deterioration is real and recent. First-quarter 2026 loan facilitation volume fell about 27% year over year, and management has guided to a 51% to 53% drop in net income, with lower lending rates squeezing the take rate. A cheap multiple on

Institutional ownership

167 institutional managers reported holding QFIN in 13F filings for the quarter ended 2026-03-31. Together they hold about 27% of the company; the top 10 hold 15%. 24 opened new positions that quarter. Held by BlackRock, Vanguard Group, D. E. Shaw, among others. On the short side, 3.0M shares were sold short as of the 2026-06-15 count, about 1% of shares outstanding (1.6 days of typical volume to cover).

Quarterly 13F filings arrive up to 45 days after quarter end, so the picture is never current (filed through 2026-05-29). Nothing here is investment advice.

Capital returns

QFIN has cut its share count 13.3% over the past five years, spending $1.19B on repurchases. It pays a dividend, and has for 4 years running, raised 2 years straight. Cash returned over the past three years: $502.72M in dividends and $1.19B in repurchases.

Share counts are split-adjusted; repurchase totals are gross of share issuance. Nothing here is investment advice.

Insider activity

Open-market insider buys at QFIN over the trailing three years: 2026: 2 buys totaling $2.51M. 5 officers and directors are on file.

Code P open-market purchases from SEC Form 4 filings, non-derivative, excluding scheduled 10b5-1 plans. Nothing here is investment advice.

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