Qfin Holdings (MEX:QFINN) Scaled Net Operating Assets: 0.39 (As of Jun. 2026)

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MEX:QFINN Qfin Holdings Inc MEX:QFINN
37 GF Score
Price MXN192.00
GF Value MXN452.11
Valuation Significantly Undervalued
! 2 Warning Signs
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What is Qfin Holdings Scaled Net Operating Assets?

Qfin Holdings MEX:QFINN +1.05% 37 Scaled Net Operating Assets is 0.39 as of Jun. 2026. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Qfin Holdings's operating assets for the quarter that ended in Jun. 2026 was MXN115,815 Mil. Qfin Holdings's operating liabilities for the quarter that ended in Jun. 2026 was MXN63,473 Mil. Qfin Holdings's Total Assets for the quarter that ended in Mar. 2026 was MXN133,184 Mil. Therefore, Qfin Holdings's scaled net operating assets (SNOA) for the quarter that ended in Jun. 2026 was 0.39.

MEX:QFINN
37GF Score
Qfin Holdings Inc MEX:QFINN
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Qfin Holdings Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Qfin Holdings's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(125806.597-69747.442)/112105.969
=0.50

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=137114.863 - 11308.266
=125806.597

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=78953.29 - 3811.814 - 5394.034
=69747.442

Qfin Holdings's Scaled Net Operating Assets (SNOA) for the quarter that ended in Jun. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Jun. 2026 )
=(Operating Assets (Q: Jun. 2026 )-Operating Liabilities (Q: Jun. 2026 ))/Total Assets (Q: Mar. 2026 )
=(115814.54-63472.705)/133183.887
=0.39

where

Operating Assets(Q: Jun. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=132869.302 - 17054.762
=115814.54

Operating Liabilities(Q: Jun. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=70842.412 - 1903.898 - 5465.809
=63472.705

* 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.

What does a Scaled Net Operating Assets of 0.39 mean?
Qfin Holdings (MEX:QFINN) has a Scaled Net Operating Assets of 0.39 as of Jun. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Qfin Holdings and its competitors.
Is Qfin Holdings' Scaled Net Operating Assets too high?
Qfin Holdings' current Scaled Net Operating Assets is 0.39. 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' Scaled Net Operating Assets compare to ATLC and EZPW?
Qfin Holdings' Scaled Net Operating Assets of 0.39 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Credit Services company?
A good Scaled Net Operating Assets depends on the Credit Services industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Qfin Holdings and its competitors. Qfin Holdings's current Scaled Net Operating Assets is 0.39. 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 Scaled Net Operating Assets is 0.39. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Qfin Holdings (MEX:QFINN), the current Scaled Net Operating Assets is 0.39 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 (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:

  • Scaled Net Operating Assets: 0.39
  • GF Value™: MXN452.11 vs. price of MXN192.00 (57.5% below fair value)
  • GF Score™: 37/100 with 2 warning signs

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 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.
37GF Score

Get the complete analysis for MEX:QFINN

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

MXN192.00
Price
MXN452.11
GF Value