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Qfin HoldingsMEX:QFINN +1.05%37 PB Ratio is 0.37 as of Aug. 26, 2026, which is 72% below its 10-year median of 1.31. 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 527 Credit Services companies, Qfin Holdings ranks better than 86.53% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-08-26), Qfin Holdings's share price is MXN192.00. Qfin Holdings's Book Value per Share for the quarter that ended in Jun. 2026 was MXN515.63. Hence, Qfin Holdings's PB Ratio of today is 0.37.
Good Sign:
Qfin Holdings Inc stock PB Ratio (=0.4) is close to 10-year low of 0.4.
The historical rank and industry rank for Qfin Holdings's PB Ratio or its related term are showing as below:
MEX:QFINN'
s PB Ratio Range Over the Past 10 Years
Min: 0.4 Med: 1.31 Max: 7.86
Current: 0.4
During the past 10 years, Qfin Holdings's highest PB Ratio was 7.86. The lowest was 0.40. And the median was 1.31.
MEX:QFINN's PB Ratio is ranked better than 86.53% of 527
companies
in the Credit Services industry
Industry Median: 1.06
vs MEX:QFINN: 0.40
During the past 12 months, Qfin Holdings's average Book Value Per Share Growth Rate was 22.70% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 18.80% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 21.50% per year.
During the past 10 years, the highest 3-Year average Book Value Per Share Growth Rate of Qfin Holdings was 130.90% per year. The lowest was 15.00% per year. And the median was 30.35% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Qfin Holdings PB Ratio Related Terms
Qfin Holdings PB Ratio Historical Data
* Premium members only.
The historical data trend for Qfin Holdings's PB Ratio 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: PB Ratio Comparison
For the Credit Services subindustry, Qfin Holdings's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Qfin Holdings's PB Ratio distribution charts can be found below:
* The bar in red indicates where Qfin Holdings's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
Qfin Holdings's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Qfin Holdings (MEX:QFINN) has a PB Ratio of 0.37 as of Aug. 26, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Qfin Holdings and its competitors. This is 72% below median its historical median of 1.31. Over the past decade, Qfin Holdings' PB Ratio has ranged from 0.40 to 7.86. According to the industry distribution chart, Qfin Holdings ranks #71 out of 527 companies in the Credit Services industry, placing it in the top 13.5%.
Is Qfin Holdings' PB Ratio too high?
Qfin Holdings' current PB Ratio of 0.37 is 72% below median its 10-year median of 1.31. Over the past 10 years, this metric has ranged from a low of 0.40 to a high of 7.86. The Credit Services industry median PB Ratio is 1.06. Qfin Holdings' value of 0.37 is 65.1% below this industry median. Based on the distribution chart, Qfin Holdings ranks #71 out of 527 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' PB Ratio compare to ATLC and EZPW?
According to the Credit Services industry distribution chart, Qfin Holdings ranks #71 out of 527 companies for PB Ratio. This places Qfin Holdings in the top 14% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.06. Qfin Holdings' value of 0.37 is 65.1% below this benchmark. Historically, Qfin Holdings' own PB Ratio has ranged from 0.40 to 7.86 over the past decade. While the company's 10-year median is 1.31 vs. the industry median of 1.06, 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 PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.06, based on 527 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Qfin Holdings's current PB Ratio of 0.37 is 65.1% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Qfin Holdings and its competitors. For the Credit Services industry, the median PB Ratio is 1.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Qfin Holdings's current PB Ratio is 0.37, which is 72% below median its own 10-year median of 1.31. 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 PB Ratio is 0.37, which is 72% below median its 10-year median of 1.31 and 65.1% below the Credit Services industry median of 1.06. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Qfin Holdings (MEX:QFINN), the current PB Ratio is 0.37 as of Aug. 26, 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:
PB Ratio: 0.37 (72% below median its 10-year median of 1.31)
GF Value™: MXN452.11 vs. price of MXN192.00 (57.5% below fair value)
Industry Position: 65.1% below the Credit Services median (#71 of 527)
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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