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Qfin HoldingsMEX:QFINN +1.05%37 Debt-to-Equity is 0.12 as of Jun. 2026, which is 200% above its 10-year median of 0.04. GuruFocus rates MEX:QFINN with a GF Score™ of 37/100 and a GF Value™ of MXN452.11 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 455 Credit Services companies, Qfin Holdings ranks better than 88.79% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Qfin Holdings's Debt-to-Equity or its related term are showing as below:
MEX:QFINN'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.01 Med: 0.04 Max: 0.27
Current: 0.09
During the past 10 years, the highest Debt-to-Equity Ratio of Qfin Holdings was 0.27. The lowest was 0.01. And the median was 0.04.
MEX:QFINN's Debt-to-Equity is ranked better than 88.79% of 455
companies
in the Credit Services industry
Industry Median: 1.23
vs MEX:QFINN: 0.09
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Qfin Holdings Debt-to-Equity Related Terms
Qfin Holdings Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Qfin Holdings's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
MEX:QFINN vs ATLC, EZPW, ECPG: Debt-to-Equity Comparison
For the Credit Services subindustry, Qfin Holdings's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Qfin Holdings Debt-to-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Qfin Holdings's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Qfin Holdings's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Qfin Holdings (MEX:QFINN) has a Debt-to-Equity of 0.12 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Qfin Holdings and its competitors. This is 200% above median its historical median of 0.04. Over the past decade, Qfin Holdings' Debt-to-Equity has ranged from 0.01 to 0.27. According to the industry distribution chart, Qfin Holdings ranks #51 out of 455 companies in the Credit Services industry, placing it in the top 11.2%.
Is Qfin Holdings' Debt-to-Equity too high?
Qfin Holdings' current Debt-to-Equity of 0.12 is 200% above median its 10-year median of 0.04. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 0.27. The Credit Services industry median Debt-to-Equity is 1.23. Qfin Holdings' value of 0.12 is 90.2% below this industry median. Based on the distribution chart, Qfin Holdings ranks #51 out of 455 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Qfin Holdings has a GF Score™ of 37/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Qfin Holdings' Debt-to-Equity compare to ATLC and EZPW?
According to the Credit Services industry distribution chart, Qfin Holdings ranks #51 out of 455 companies for Debt-to-Equity. This places Qfin Holdings in the top 11% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 1.23. Qfin Holdings' value of 0.12 is 90.2% below this benchmark. Historically, Qfin Holdings' own Debt-to-Equity has ranged from 0.01 to 0.27 over the past decade. While the company's 10-year median is 0.04 vs. the industry median of 1.23, Qfin Holdings has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Credit Services company?
The median Debt-to-Equity among Credit Services companies is 1.23, based on 455 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Qfin Holdings's current Debt-to-Equity of 0.12 is 90.2% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Qfin Holdings and its competitors. For the Credit Services industry, the median Debt-to-Equity is 1.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Qfin Holdings's current Debt-to-Equity is 0.12, which is 200% above median its own 10-year median of 0.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Qfin Holdings stock overvalued right now?
Based on GuruFocus' analysis, Qfin Holdings (MEX:QFINN) is currently considered Significantly Undervalued. The stock's GF Value™ is MXN452.11, compared to a current price of MXN192.00 — trading 57.5% below its estimated fair value. The current Debt-to-Equity is 0.12, which is 200% above median its 10-year median of 0.04 and 90.2% below the Credit Services industry median of 1.23. Qfin Holdings' overall GF Score™ is 37/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Qfin Holdings (MEX:QFINN), the current Debt-to-Equity is 0.12 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Qfin Holdings (MEX:QFINN) Overvalued in 2026?
Based on GuruFocus' analysis, Qfin Holdings stock appears to be undervalued.
The current stock price of MXN192.00 is trading 57.5% below its estimated GF Value™ of MXN452.11.
GuruFocus considers Qfin Holdings to be Significantly Undervalued.
Key valuation signals for MEX:QFINN:
Debt-to-Equity: 0.12 (200% above median its 10-year median of 0.04)
GF Value™: MXN452.11 vs. price of MXN192.00 (57.5% below fair value)
Industry Position: 90.2% below the Credit Services median (#51 of 455)
No single metric tells the full story. See the MEX:QFINN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Qfin Holdings Inc is engaged in matching individual borrowers with credit demand to a diversified pool of financial institutions with credit to supply through a financial technology platform. It has released large-scale financial credit multimodal benchmark, building a critical bridge between credit AI research and real-world applications.
37GF Score
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