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Qfin HoldingsFRA:CKR0 -5.31%43 OCF Margin % is 41.58% as of Jun. 2026, which is 2% below its 10-year median of 42.47. GuruFocus rates FRA:CKR0 with a GF Score™ of 43/100 and a GF Value™ of €10.93 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 538 Credit Services companies, Qfin Holdings ranks better than 83.64% on this metric.
The historical data trend for Qfin Holdings's OCF Margin % 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.
FRA:CKR0 vs ATLC, EZPW, ECPG: OCF Margin % Comparison
For the Credit Services subindustry, Qfin Holdings's OCF Margin %, along with its competitors' market caps and OCF Margin % 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 OCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Qfin Holdings's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Qfin Holdings's OCF Margin % 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 (FRA:CKR0) has a OCF Margin % of 41.58% as of Jun. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Qfin Holdings and its competitors. This is near median its historical median of 42.47. According to the industry distribution chart, Qfin Holdings ranks #88 out of 538 companies in the Credit Services industry, placing it in the top 16.4%.
Is Qfin Holdings' OCF Margin % too high?
Qfin Holdings' current OCF Margin % of 41.58% is near median its 10-year median of 42.47. The Credit Services industry median OCF Margin % is 2.22. Qfin Holdings' value of 41.58% is 1773% above this industry median. Based on the distribution chart, Qfin Holdings ranks #88 out of 538 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 43/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Qfin Holdings' OCF Margin % compare to ATLC and EZPW?
According to the Credit Services industry distribution chart, Qfin Holdings ranks #88 out of 538 companies for OCF Margin %. This places Qfin Holdings in the top 16% of its industry — outperforming the majority of peers. The industry median OCF Margin % is 2.22. Qfin Holdings' value of 41.58% is 1773% above this benchmark. While the company's 10-year median is 42.47 vs. the industry median of 2.22, 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 OCF Margin % for a Credit Services company?
The median OCF Margin % among Credit Services companies is 2.22, based on 538 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Qfin Holdings's current OCF Margin % of 41.58% is 1773% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Qfin Holdings and its competitors. For the Credit Services industry, the median OCF Margin % is 2.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Qfin Holdings's current OCF Margin % is 41.58%, which is near median its own 10-year median of 42.47. 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 (FRA:CKR0) is currently considered Significantly Undervalued. The stock's GF Value™ is €10.93, compared to a current price of €4.64 — trading 57.5% below its estimated fair value. The current OCF Margin % is 41.58%, which is near median its 10-year median of 42.47 and 1773% above the Credit Services industry median of 2.22. Qfin Holdings' overall GF Score™ is 43/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Qfin Holdings (FRA:CKR0), the current OCF Margin % is 41.58% 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 (FRA:CKR0) Overvalued in 2026?
Based on GuruFocus' analysis, Qfin Holdings stock appears to be undervalued.
The current stock price of €4.64 is trading 57.5% below its estimated GF Value™ of €10.93.
GuruFocus considers Qfin Holdings to be Significantly Undervalued.
Key valuation signals for FRA:CKR0:
OCF Margin %: 41.58% (near median its 10-year median of 42.47)
GF Value™: €10.93 vs. price of €4.64 (57.5% below fair value)
Industry Position: 1773% above the Credit Services median (#88 of 538)
No single metric tells the full story. See the FRA:CKR0 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.
43GF Score
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OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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