A Look At Qfin Holdings (QFIN) Valuation As China Fintech Sentiment Weakens On Tariff And Credit Concerns

Simply Wall St.01-11

AdvertisementMarket reaction to sector headlines Qfin Holdings (QFIN) came under pressure after shares fell about 4.5%, as U.S. tariff uncertainty and concerns over China’s consumer credit environment...

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This...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":[],"viewcount":null,"language":"en","relate_stocks":{"LU1981816686.USD":"EASTSPRING INV ASIAN MULTI FACTOR EQUITY \"A\" (USD) ACC","BK4588":"碎股","LU0633140727.USD":"AB EMERGING MARKETS MULTI ASSET PORTFOLIO \"AD\" (USD) INC","BK4585":"ETF&股票定投概念","QFIN":"奇富科技","LU2476274308.USD":"ALLIANZ CHINA FUTURE TECHNOLOGIES \"AT\" (USD) ACC","LU2476274720.SGD":"ALLIANZ CHINA FUTURE TECHNOLOGIES \"AT\" (SGDHDG) ACC","FTVI":"Fintech Acquisition Corp VI","BK4503":"景林资产持仓","LU0683595622.HKD":"AB SICAV I-EM.MKTS MUL.ASS.PTF(AD)","LU2778985437.USD":"ALLIANZ CHINA FUTURE TECHNOLOGIES \"A\" (USD) INC","BK4531":"中概回港概念","BK4166":"消费信贷","LU0633140560.USD":"AB EMERGING MARKET MULTI ASSET PORTFOLIO \"A\" (USD) ACC","BK4526":"热门中概股","LU1808992512.USD":"AB ALL CHINA EQUITY PORTFOLIO \"A\" (USD) ACC"},"translate_title":"随着中国金融科技情绪因关税和信贷担忧而减弱，Qfin Holdings(QFIN)估值一览","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"QFIN":1.5,"FTVI":1.5},"content_text":"AdvertisementMarket reaction to sector headlines Qfin Holdings (QFIN) came under pressure after shares fell about 4.5%, as U.S. tariff uncertainty and concerns over China’s consumer credit environment weighed on China fintech ADRs and online lending sentiment. See our latest analysis for Qfin Holdings. That tariff driven drop comes on top of a 3.53% one day and 11.66% 30 day share price decline, together with a 35.19% 90 day share price fall and a 49.29% one year total shareholder return loss. This contrasts with a still positive 49.48% five year total shareholder return and indicates that longer term gains are now facing fading momentum as sector risks are reassessed. If you are reassessing your exposure to China fintech, it may be worth scanning other areas of the market through fast growing stocks with high insider ownership as a way to surface fresh ideas. With shares weak over 1 day, 30 days, 90 days and 1 year, yet a still positive 5 year total return and a large gap to analyst targets, the question is whether QFIN is undervalued at this level or whether the market is already pricing in any future growth. Most Popular Narrative: 46.8% Undervalued With Qfin Holdings last closing at US$17.50 against a narrative fair value of US$32.90, the gap is wide enough to focus attention on what is driving that estimate. Overseas expansion, beginning with the U.K. market and further international opportunities, leverages Qfin's proprietary fintech infrastructure and data analytics to address underserved borrower segments globally, expanding the company's addressable market and providing an additional vector for long-term revenue and profit growth. Read the complete narrative. Curious what kind of revenue path and profit margins are being pencilled in to support that higher value, and how a lower future earnings multiple still fits into the story? The most followed narrative lays out detailed forecasts for top line, earnings and share count that sit behind this target. If you want to see which assumptions matter most for that gap, the full breakdown is worth a close look. Result: Fair Value of $32.90 (UNDERVALUED) Have a read of the narrative in full and understand what's behind the forecasts. However, there are clear pressure points, including slower loan growth from APR caps and softer consumer credit demand in China, that could challenge those upbeat assumptions. Find out about the key risks to this Qfin Holdings narrative.  Build Your Own Qfin Holdings Narrative If you do not share this view or prefer to rely on your own work, you can review the same data and shape your own story in just a few minutes, Do it your way. A great starting point for your Qfin Holdings research is our analysis highlighting 3 key rewards and 2 important warning signs that could impact your investment decision. Looking for more investment ideas? If Qfin has you rethinking your portfolio mix, this is a good moment to line up a few fresh watchlist candidates before the next round of headlines hits.  Spot early stage growth stories by scanning these 3539 penny stocks with strong financials that already show stronger fundamentals than many larger peers. Position yourself for the next wave of automation and data driven tools through these 28 AI penny stocks focused on companies tied to artificial intelligence themes. Hunt for potential mispricings by filtering for these 882 undervalued stocks based on cash flows where current prices sit below cash flow based estimates.   This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.Valuation is complex, but we're here to simplify it.Discover if Qfin Holdings might be undervalued or overvalued with our detailed analysis, featuring fair value estimates, potential risks, dividends, insider trades, and its financial condition.Access Free AnalysisHave feedback on this article? Concerned about the content? Get in touch with us directly. 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