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Qfin HoldingsQFIN -13.88%52 Return-on-Tangible-Equity is 15.38% as of Mar. 2026, which is 64% below its 10-year median of 42.64. 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 530 Credit Services companies, Qfin Holdings ranks better than 86.42% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Qfin Holdings's annualized net income for the quarter that ended in Mar. 2026 was $513 Mil. Qfin Holdings's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $3,333 Mil. Therefore, Qfin Holdings's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 15.38%.
The historical rank and industry rank for Qfin Holdings's Return-on-Tangible-Equity or its related term are showing as below:
QFIN'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 21.87 Med: 42.64 Max: 49.39
Current: 22.13
During the past 10 years, Qfin Holdings's highest Return-on-Tangible-Equity was 49.39%. The lowest was 21.87%. And the median was 42.64%.
QFIN's Return-on-Tangible-Equity is ranked better than 86.42% of 530
companies
in the Credit Services industry
Industry Median: 7.26
vs QFIN: 22.13
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Qfin Holdings Return-on-Tangible-Equity Related Terms
Qfin Holdings Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Qfin Holdings's Return-on-Tangible-Equity 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-Equity Comparison
For the Credit Services subindustry, Qfin Holdings's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Qfin Holdings's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Qfin Holdings's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 15.38% mean?
Qfin Holdings (QFIN) has a Return-on-Tangible-Equity of 15.38% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Qfin Holdings and its competitors. This is 64% below median its historical median of 42.64. Over the past decade, Qfin Holdings' Return-on-Tangible-Equity has ranged from 21.87 to 49.39. According to the industry distribution chart, Qfin Holdings ranks #72 out of 530 companies in the Credit Services industry, placing it in the top 13.6%.
Is Qfin Holdings' Return-on-Tangible-Equity too high?
Qfin Holdings' current Return-on-Tangible-Equity of 15.38% is 64% below median its 10-year median of 42.64. Over the past 10 years, this metric has ranged from a low of 21.87 to a high of 49.39. The Credit Services industry median Return-on-Tangible-Equity is 7.26. Qfin Holdings' value of 15.38% is 111.8% above this industry median. Based on the distribution chart, Qfin Holdings ranks #72 out of 530 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-Equity compare to ATLC and EZPW?
According to the Credit Services industry distribution chart, Qfin Holdings ranks #72 out of 530 companies for Return-on-Tangible-Equity. This places Qfin Holdings in the top 14% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 7.26. Qfin Holdings' value of 15.38% is 111.8% above this benchmark. Historically, Qfin Holdings' own Return-on-Tangible-Equity has ranged from 21.87 to 49.39 over the past decade. While the company's 10-year median is 42.64 vs. the industry median of 7.26, 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-Equity for a Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.26, based on 530 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Qfin Holdings's current Return-on-Tangible-Equity of 15.38% is 111.8% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Qfin Holdings and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Qfin Holdings's current Return-on-Tangible-Equity is 15.38%, which is 64% below median its own 10-year median of 42.64. 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 $9.93 — trading 63.4% below its estimated fair value. The current Return-on-Tangible-Equity is 15.38%, which is 64% below median its 10-year median of 42.64 and 111.8% above the Credit Services industry median of 7.26. 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Qfin Holdings (QFIN), the current Return-on-Tangible-Equity is 15.38% 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 $9.93 is trading 63.4% below its estimated GF Value™ of $27.15.
GuruFocus considers Qfin Holdings to be Significantly Undervalued.
Key valuation signals for QFIN:
Return-on-Tangible-Equity: 15.38% (64% below median its 10-year median of 42.64)
GF Value™: $27.15 vs. price of $9.93 (63.4% below fair value)
Industry Position: 111.8% above the Credit Services median (#72 of 530)
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-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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