360 Finance Inc is a credit services business based in the US. 360 Finance shares (QFIN) are listed on the NASDAQ and all prices are listed in US Dollars. 360 Finance employs 2,129 staff and has a trailing 12-month revenue of around $17.5 billion.
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| Latest market close | $12.82 |
|---|---|
| 52-week range | $10.69 - $26.94 |
| 50-day moving average | $14.58 |
| 200-day moving average | $16.57 |
| Wall St. target price | $21.89 |
| PE ratio | 2.9663 |
| Dividend yield | $0 (6.7%) |
| Earnings per share (TTM) | $4.45 |
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Historical closes compared with the close of $12.82 from 2022-09-30
| 1 week (2022-09-26) | -2.73% |
|---|---|
| 1 month (2022-08-31) | -19.77% |
| 3 months (2022-06-30) | -25.90% |
| 6 months (2022-03-30) | -20.17% |
| 1 year (2021-10-01) | -35.42% |
|---|---|
| 2 years (2020-10-02) | 4.65% |
| 3 years (2019-10-03) | 47.70% |
| 5 years (2017-09-29) | N/A |
Valuing 360 Finance stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of 360 Finance's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.
360 Finance's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 3x. In other words, 360 Finance shares trade at around 3x recent earnings.
That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.
360 Finance's EBITDA (earnings before interest, taxes, depreciation and amortisation) is $9.8 billion.
The EBITDA is a measure of a 360 Finance's overall financial performance and is widely used to measure a its profitability.
| Revenue TTM | $17.5 billion |
|---|---|
| Operating margin TTM | 55.68% |
| Gross profit TTM | $12.8 billion |
| Return on assets TTM | 18.52% |
| Return on equity TTM | 34.02% |
| Profit margin | 28.77% |
| Book value | $109.23 |
| Market capitalisation | $2 billion |
TTM: trailing 12 months
Dividend payout ratio: 2.86% of net profits
Recently 360 Finance has paid out, on average, around 2.86% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 6.7% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), 360 Finance shareholders could enjoy a 6.7% return on their shares, in the form of dividend payments. In 360 Finance's case, that would currently equate to about $0 per share.
While 360 Finance's payout ratio might seem low, this can signify that 360 Finance is investing more in its future growth.
360 Finance's most recent dividend payout was on 27 October 2022. The latest dividend was paid out to all shareholders who bought their shares by 14 September 2022 (the "ex-dividend date").
Over the last 12 months, 360 Finance's shares have ranged in value from as little as $10.6895 up to $26.9445. A popular way to gauge a stock's volatility is its "beta".
Beta is a measure of a share's volatility in relation to the market. The market (NASDAQ average) beta is 1, while 360 Finance's is 0.3136. This would suggest that 360 Finance's shares are less volatile than average (for this exchange).
360 DigiTech, Inc. , through its subsidiaries, operates financial technology platform under the 360 Jietiao brand in the People's Republic of China. The company provides credit-driven services that matches borrowers with financial institution partners enabling financial institution partners to conduct customer acquisition, initial credit screening, advanced risk assessment, collection, and other post-facilitation services; and platform services, including loan facilitation and post-facilitation services to financial institution partners under intelligence credit engine, referral services, and risk management software-as-a-service. It also offers e-commerce loans, enterprise loans, and invoice loans to SME owners. The company serves consumers, and micro- and small-business owners. The company was formerly known as 360 Finance, Inc. and changed its name to 360 DigiTech, Inc.
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