QFIN (Qfin Holdings) ROC (Joel Greenblatt) %: % (As of Jun. 2026)

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Director of Data and Quant Analytics at GuruFocus
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Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

QFIN Qfin Holdings Inc QFIN
52 GF Score
Price $9.54
GF Value $27.15
Valuation Significantly Undervalued
! 2 Warning Signs
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What is Qfin Holdings ROC (Joel Greenblatt) %?

Qfin Holdings QFIN -17.30% 52 ROC (Joel Greenblatt) % is % as of Jun. 2026. 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 420 Credit Services companies, Qfin Holdings ranks worse than 238095% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

QFIN
52GF Score
Qfin Holdings Inc QFIN
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
Qfin Holdings (QFIN) has a ROC (Joel Greenblatt) % of % as of Jun. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Qfin Holdings and its competitors. According to the industry distribution chart, Qfin Holdings ranks #999999 out of 420 companies in the Credit Services industry.
Is Qfin Holdings' ROC (Joel Greenblatt) % too high?
Qfin Holdings' current ROC (Joel Greenblatt) % is %. Based on the distribution chart, Qfin Holdings ranks #999999 out of 420 companies in the Credit Services industry, which is in the bottom quartile 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' ROC (Joel Greenblatt) % compare to ATLC and EZPW?
According to the Credit Services industry distribution chart, Qfin Holdings ranks #999999 out of 420 companies for ROC (Joel Greenblatt) %. This places Qfin Holdings in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 32.21. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Credit Services company?
The median ROC (Joel Greenblatt) % among Credit Services companies is 32.21, based on 420 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Qfin Holdings and its competitors. For the Credit Services industry, the median ROC (Joel Greenblatt) % is 32.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Qfin Holdings's current ROC (Joel Greenblatt) % is %. 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 $9.54 — trading 64.9% below its estimated fair value. The current ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Qfin Holdings (QFIN), the current ROC (Joel Greenblatt) % is % 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 (QFIN) Overvalued in 2026?

Based on GuruFocus' analysis, Qfin Holdings stock appears to be undervalued. The current stock price of $9.54 is trading 64.9% below its estimated GF Value™ of $27.15. GuruFocus considers Qfin Holdings to be Significantly Undervalued.

Key valuation signals for QFIN:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: $27.15 vs. price of $9.54 (64.9% below fair value)
  • GF Score™: 52/100 with 2 warning signs

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 Business Description

Address No. 98 Qingyijiang Road, Building 1, Putuo District, Shanghai, CHN, 200331
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

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$9.54
Price
$27.15
GF Value