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Qfin HoldingsQFIN +4.91%53 Equity-to-Asset is 0.45 as of Mar. 2026, which is at its 10-year median of 0.45. GuruFocus rates QFIN with a GF Score™ of 53/100 and a GF Value™ of $27.15 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 551 Credit Services companies, Qfin Holdings ranks better than 55.35% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Qfin Holdings's Total Stockholders Equity for the quarter that ended in Mar. 2026 was $3,534 Mil. Qfin Holdings's Total Assets for the quarter that ended in Mar. 2026 was $7,854 Mil.
Therefore, Qfin Holdings's Equity to Asset Ratio for the quarter that ended in Mar. 2026 was 0.45.
The historical rank and industry rank for Qfin Holdings's Equity-to-Asset or its related term are showing as below:
QFIN'
s Equity-to-Asset Range Over the Past 10 Years
Min: -0.24 Med: 0.45 Max: 0.6
Current: 0.45
During the past 10 years, the highest Equity to Asset Ratio of Qfin Holdings was 0.60. The lowest was -0.24. And the median was 0.45.
QFIN's Equity-to-Asset is ranked better than 55.35% of 551
companies
in the Credit Services industry
Industry Median: 0.4
vs QFIN: 0.45
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Qfin Holdings Equity-to-Asset Related Terms
Qfin Holdings Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Qfin Holdings's Equity-to-Asset 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.
QFIN vs ATLC, EZPW, ECPG: Equity-to-Asset Comparison
For the Credit Services subindustry, Qfin Holdings's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Qfin Holdings's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Qfin Holdings's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Qfin Holdings's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 (QFIN) has a Equity-to-Asset of 0.45 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Qfin Holdings and its competitors. This is near median its historical median of 0.45. According to the industry distribution chart, Qfin Holdings ranks #246 out of 551 companies in the Credit Services industry, placing it in the top 44.6%.
Is Qfin Holdings' Equity-to-Asset too high?
Qfin Holdings' current Equity-to-Asset of 0.45 is near median its 10-year median of 0.45. The Credit Services industry median Equity-to-Asset is 0.40. Qfin Holdings' value of 0.45 is 12.5% above this industry median. Based on the distribution chart, Qfin Holdings ranks #246 out of 551 companies in the Credit Services industry, which is above the industry midpoint. Overall, Qfin Holdings has a GF Score™ of 53/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Qfin Holdings' Equity-to-Asset compare to ATLC and EZPW?
According to the Credit Services industry distribution chart, Qfin Holdings ranks #246 out of 551 companies for Equity-to-Asset. This puts Qfin Holdings in the upper half of its industry. The industry median Equity-to-Asset is 0.40. Qfin Holdings' value of 0.45 is 12.5% above this benchmark. While the company's 10-year median is 0.45 vs. the industry median of 0.40, Qfin Holdings has consistently been above 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 Equity-to-Asset for a Credit Services company?
The median Equity-to-Asset among Credit Services companies is 0.40, based on 551 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Qfin Holdings's current Equity-to-Asset of 0.45 is 12.5% above 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Qfin Holdings and its competitors. For the Credit Services industry, the median Equity-to-Asset is 0.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Qfin Holdings's current Equity-to-Asset is 0.45, which is near median its own 10-year median of 0.45. 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 (QFIN) is currently considered Significantly Undervalued. The stock's GF Value™ is $27.15, compared to a current price of $11.53 — trading 57.5% below its estimated fair value. The current Equity-to-Asset is 0.45, which is near median its 10-year median of 0.45 and 12.5% above the Credit Services industry median of 0.40. Qfin Holdings' overall GF Score™ is 53/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Qfin Holdings (QFIN), the current Equity-to-Asset is 0.45 as of Mar. 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 (QFIN) Overvalued in 2026?
Based on GuruFocus' analysis, Qfin Holdings stock appears to be undervalued.
The current stock price of $11.53 is trading 57.5% below its estimated GF Value™ of $27.15.
GuruFocus considers Qfin Holdings to be Significantly Undervalued.
Key valuation signals for QFIN:
Equity-to-Asset: 0.45 (near median its 10-year median of 0.45)
GF Value™: $27.15 vs. price of $11.53 (57.5% below fair value)
Industry Position: 12.5% above the Credit Services median (#246 of 551)
No single metric tells the full story. See the QFIN 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.
53GF Score
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