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Qfin HoldingsQFIN -12.36%52 Return-on-Tangible-Asset is 6.55% as of Mar. 2026, which is 51% below its 10-year median of 13.50. GuruFocus rates QFIN with a GF Score™ of 52/100 and a GF Value™ of $27.15 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 550 Credit Services companies, Qfin Holdings ranks better than 91.82% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Qfin Holdings's annualizedNet Income for the quarter that ended in Mar. 2026 was $513 Mil. Qfin Holdings's average total tangible assets for the quarter that ended in Mar. 2026 was $7,824 Mil. Therefore, Qfin Holdings's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 6.55%.
The historical rank and industry rank for Qfin Holdings's Return-on-Tangible-Asset or its related term are showing as below:
QFIN'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 8.98 Med: 13.5 Max: 22.55
Current: 8.98
During the past 10 years, Qfin Holdings's highest Return-on-Tangible-Asset was 22.55%. The lowest was 8.98%. And the median was 13.50%.
QFIN's Return-on-Tangible-Asset is ranked better than 91.82% of 550
companies
in the Credit Services industry
Industry Median: 2.045
vs QFIN: 8.98
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Qfin Holdings Return-on-Tangible-Asset Related Terms
Qfin Holdings Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Qfin Holdings's Return-on-Tangible-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: Return-on-Tangible-Asset Comparison
For the Credit Services subindustry, Qfin Holdings's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-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 Return-on-Tangible-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Qfin Holdings's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Qfin Holdings's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 6.55% mean?
Qfin Holdings (QFIN) has a Return-on-Tangible-Asset of 6.55% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Qfin Holdings and its competitors. This is 51% below median its historical median of 13.50. Over the past decade, Qfin Holdings' Return-on-Tangible-Asset has ranged from 8.98 to 22.55. According to the industry distribution chart, Qfin Holdings ranks #45 out of 550 companies in the Credit Services industry, placing it in the top 8.2%.
Is Qfin Holdings' Return-on-Tangible-Asset too high?
Qfin Holdings' current Return-on-Tangible-Asset of 6.55% is 51% below median its 10-year median of 13.50. Over the past 10 years, this metric has ranged from a low of 8.98 to a high of 22.55. The Credit Services industry median Return-on-Tangible-Asset is 2.05. Qfin Holdings' value of 6.55% is 220.3% above this industry median. Based on the distribution chart, Qfin Holdings ranks #45 out of 550 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 52/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Qfin Holdings' Return-on-Tangible-Asset compare to ATLC and EZPW?
According to the Credit Services industry distribution chart, Qfin Holdings ranks #45 out of 550 companies for Return-on-Tangible-Asset. This places Qfin Holdings in the top 8% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 2.05. Qfin Holdings' value of 6.55% is 220.3% above this benchmark. Historically, Qfin Holdings' own Return-on-Tangible-Asset has ranged from 8.98 to 22.55 over the past decade. While the company's 10-year median is 13.50 vs. the industry median of 2.05, 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 Return-on-Tangible-Asset for a Credit Services company?
The median Return-on-Tangible-Asset among Credit Services companies is 2.05, based on 550 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Qfin Holdings's current Return-on-Tangible-Asset of 6.55% is 220.3% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Qfin Holdings and its competitors. For the Credit Services industry, the median Return-on-Tangible-Asset is 2.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Qfin Holdings's current Return-on-Tangible-Asset is 6.55%, which is 51% below median its own 10-year median of 13.50. 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 $10.11 — trading 62.8% below its estimated fair value. The current Return-on-Tangible-Asset is 6.55%, which is 51% below median its 10-year median of 13.50 and 220.3% above the Credit Services industry median of 2.05. Qfin Holdings' overall GF Score™ is 52/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Qfin Holdings (QFIN), the current Return-on-Tangible-Asset is 6.55% 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 $10.11 is trading 62.8% below its estimated GF Value™ of $27.15.
GuruFocus considers Qfin Holdings to be Significantly Undervalued.
Key valuation signals for QFIN:
Return-on-Tangible-Asset: 6.55% (51% below median its 10-year median of 13.50)
GF Value™: $27.15 vs. price of $10.11 (62.8% below fair value)
Industry Position: 220.3% above the Credit Services median (#45 of 550)
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.
52GF Score
Get the complete analysis for QFIN
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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