Qfin HoldingsQFIN -11.29%56 EV-to-FCF is 0.75 as of Jul. 11, 2026, which is 70% below its 10-year median of 2.48. GuruFocus rates QFIN with a GF Score™ of 56/100 and a GF Value™ of $27.01 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 264 Credit Services companies, Qfin Holdings ranks better than 91.67% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Qfin Holdings's Enterprise Value is $1,108 Mil.
Qfin Holdings's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $1,469 Mil. Therefore, Qfin Holdings's EV-to-FCF for today is 0.75.
The historical rank and industry rank for Qfin Holdings's EV-to-FCF or its related term are showing as below:
QFIN'
s EV-to-FCF Range Over the Past 10 Years
Min: -36.36 Med: 2.48 Max: 8.67
Current: 0.75
During the past 10 years, the highest EV-to-FCF of Qfin Holdings was 8.67. The lowest was -36.36. And the median was 2.48.
QFIN's EV-to-FCF is ranked better than 91.67% of 264
companies
in the Credit Services industry
Industry Median: 13.28
vs QFIN: 0.75
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Qfin Holdings's PE Ratio (TTM) for today is calculated as:
Qfin Holdings's share price for today is $13.20.
Qfin Holdings's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $5.442.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Qfin Holdings EV-to-FCF Related Terms
Qfin Holdings EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Qfin Holdings's EV-to-FCF 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.
For the Credit Services subindustry, Qfin Holdings's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Qfin Holdings's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Qfin Holdings's EV-to-FCF falls into.
Qfin Holdings's current Enterprise Value is $1,108 Mil.
Qfin Holdings's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1,469 Mil.
* 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 EV-to-FCF of 0.75 as of Jul. 11, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Qfin Holdings and its competitors. This is 70% below median its historical median of 2.48. According to the industry distribution chart, Qfin Holdings ranks #22 out of 264 companies in the Credit Services industry, placing it in the top 8.3%.
Is Qfin Holdings' EV-to-FCF too high?
Qfin Holdings' current EV-to-FCF of 0.75 is 70% below median its 10-year median of 2.48. The Credit Services industry median EV-to-FCF is 13.28. Qfin Holdings' value of 0.75 is 94.4% below this industry median. Based on the distribution chart, Qfin Holdings ranks #22 out of 264 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 56/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Qfin Holdings' EV-to-FCF compare to ECPG and EZPW?
According to the Credit Services industry distribution chart, Qfin Holdings ranks #22 out of 264 companies for EV-to-FCF. This places Qfin Holdings in the top 8% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 13.28. Qfin Holdings' value of 0.75 is 94.4% below this benchmark. While the company's 10-year median is 2.48 vs. the industry median of 13.28, 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 EV-to-FCF for a Credit Services company?
The median EV-to-FCF among Credit Services companies is 13.28, based on 264 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Qfin Holdings's current EV-to-FCF of 0.75 is 94.4% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Qfin Holdings and its competitors. For the Credit Services industry, the median EV-to-FCF is 13.28 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Qfin Holdings's current EV-to-FCF is 0.75, which is 70% below median its own 10-year median of 2.48. 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 $27.01, compared to a current price of $13.20 — trading 51.1% below its estimated fair value. The current EV-to-FCF is 0.75, which is 70% below median its 10-year median of 2.48 and 94.4% below the Credit Services industry median of 13.28. Qfin Holdings' overall GF Score™ is 56/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Qfin Holdings (QFIN), the current EV-to-FCF is 0.75 as of Jul. 11, 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 $13.20 is trading 51.1% below its estimated GF Value™ of $27.01.
GuruFocus considers Qfin Holdings to be Significantly Undervalued.
Key valuation signals for QFIN:
EV-to-FCF: 0.75 (70% below median its 10-year median of 2.48)
GF Value™: $27.01 vs. price of $13.20 (51.1% below fair value)
Industry Position: 94.4% below the Credit Services median (#22 of 264)
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.
56GF Score
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