360 Finance Net Income
| QFIN Stock | USD 16.53 0.19 1.16% |
As of the 11th of February 2026, 360 Finance owns the Market Risk Adjusted Performance of (0.34), information ratio of (0.18), and Variance of 8.03. In connection with fundamental indicators, the technical analysis model gives you tools to check timely technical drivers of 360 Finance, as well as the relationship between them.
360 Finance Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 1.2847 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income From Continuing Ops | 7.2 B | 7.5 B | |
| Net Income Applicable To Common Shares | 4.6 B | 4.9 B | |
| Net Income | 7.2 B | 7.6 B | |
| Net Income Per Share | 37.84 | 39.73 | |
| Net Income Per E B T | 0.71 | 0.64 |
360 | Net Income | Build AI portfolio with 360 Stock |
Evaluating 360 Finance's Net Income across multiple reporting periods reveals the company's ability to sustain growth and manage resources effectively. This longitudinal analysis highlights inflection points, cyclical patterns, and structural changes that short-term snapshots might miss, offering deeper insight into 360 Finance's fundamental strength.
Latest 360 Finance's Net Income Growth Pattern
Below is the plot of the Net Income of 360 Finance over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in 360 Finance financial statement analysis. It represents the amount of money remaining after all of 360 Finance operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is 360 Finance's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in 360 Finance's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 6.26 B | 10 Years Trend |
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Net Income |
| Timeline |
360 Net Income Regression Statistics
| Arithmetic Mean | 2,478,353,909 | |
| Coefficient Of Variation | 115.84 | |
| Mean Deviation | 2,505,298,586 | |
| Median | 1,193,311,000 | |
| Standard Deviation | 2,870,934,784 | |
| Sample Variance | 8242266.5T | |
| Range | 7.6B | |
| R-Value | 0.92 | |
| Mean Square Error | 1276153.2T | |
| R-Squared | 0.85 | |
| Slope | 525,650,779 | |
| Total Sum of Squares | 131876264.5T |
360 Net Income History
Other Fundumenentals of 360 Finance
| Net Income From Continuing Ops | ||
| Net Income Applicable To Common Shares | ||
| Net Income Per Share | ||
| Net Income Per E B T |
360 Finance Net Income component correlations
360 Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for 360 Finance is extremely important. It helps to project a fair market value of 360 Stock properly, considering its historical fundamentals such as Net Income. Since 360 Finance's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of 360 Finance's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of 360 Finance's interrelated accounts and indicators.
Click cells to compare fundamentals
Will Consumer Finance sector continue expanding? Could 360 diversify its offerings? Factors like these will boost the valuation of 360 Finance. Anticipated expansion of 360 directly elevates investor willingness to pay premium valuations. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every 360 Finance data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth (0.11) | Dividend Share 10.691 | Earnings Share 7.17 | Revenue Per Share | Quarterly Revenue Growth 0.191 |
360 Finance's market price often diverges from its book value, the accounting figure shown on 360's balance sheet. Smart investors calculate 360 Finance's intrinsic value - its true economic worth - which may differ significantly from both market price and book value. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Since 360 Finance's trading price responds to investor sentiment, macroeconomic conditions, and market psychology, it can swing far from fundamental value.
It's important to distinguish between 360 Finance's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding 360 Finance should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. However, 360 Finance's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
360 Finance 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to 360 Finance's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of 360 Finance.
| 11/13/2025 |
| 02/11/2026 |
If you would invest 0.00 in 360 Finance on November 13, 2025 and sell it all today you would earn a total of 0.00 from holding 360 Finance or generate 0.0% return on investment in 360 Finance over 90 days. 360 Finance is related to or competes with FinVolution, Federal Agricultural, Lufax Holding, Morgan Stanley, and Foreign Trade. 360 DigiTech, Inc., through its subsidiaries, operates financial technology platform under the 360 Jietiao brand in the ... More
360 Finance Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure 360 Finance's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess 360 Finance upside and downside potential and time the market with a certain degree of confidence.
| Information Ratio | (0.18) | |||
| Maximum Drawdown | 17.07 | |||
| Value At Risk | (3.53) | |||
| Potential Upside | 3.31 |
360 Finance Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for 360 Finance's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as 360 Finance's standard deviation. In reality, there are many statistical measures that can use 360 Finance historical prices to predict the future 360 Finance's volatility.| Risk Adjusted Performance | (0.11) | |||
| Jensen Alpha | (0.53) | |||
| Total Risk Alpha | (0.72) | |||
| Treynor Ratio | (0.35) |
360 Finance February 11, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | (0.11) | |||
| Market Risk Adjusted Performance | (0.34) | |||
| Mean Deviation | 1.84 | |||
| Coefficient Of Variation | (671.43) | |||
| Standard Deviation | 2.83 | |||
| Variance | 8.03 | |||
| Information Ratio | (0.18) | |||
| Jensen Alpha | (0.53) | |||
| Total Risk Alpha | (0.72) | |||
| Treynor Ratio | (0.35) | |||
| Maximum Drawdown | 17.07 | |||
| Value At Risk | (3.53) | |||
| Potential Upside | 3.31 | |||
| Skewness | (1.23) | |||
| Kurtosis | 8.67 |
360 Finance Backtested Returns
360 Finance retains Efficiency (Sharpe Ratio) of -0.18, which signifies that the company had a -0.18 % return per unit of price deviation over the last 3 months. 360 Finance exposes twenty-two different technical indicators, which can help you to evaluate volatility embedded in its price movement. Please confirm 360 Finance's Information Ratio of (0.18), variance of 8.03, and Market Risk Adjusted Performance of (0.34) to double-check the risk estimate we provide. The firm owns a Beta (Systematic Risk) of 1.24, which signifies a somewhat significant risk relative to the market. As the market goes up, the company is expected to outperform it. However, if the market returns are negative, 360 Finance will likely underperform. At this point, 360 Finance has a negative expected return of -0.53%. Please make sure to confirm 360 Finance's information ratio, as well as the relationship between the potential upside and rate of daily change , to decide if 360 Finance performance from the past will be repeated sooner or later.
Auto-correlation | 0.50 |
Modest predictability
360 Finance has modest predictability. Overlapping area represents the amount of predictability between 360 Finance time series from 13th of November 2025 to 28th of December 2025 and 28th of December 2025 to 11th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of 360 Finance price movement. The serial correlation of 0.5 indicates that about 50.0% of current 360 Finance price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.5 | |
| Spearman Rank Test | 0.09 | |
| Residual Average | 0.0 | |
| Price Variance | 1.91 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
360 Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, 360 Finance reported net income of 6.26 B. This is 390.38% higher than that of the Consumer Finance sector and significantly higher than that of the Financials industry. The net income for all United States stocks is significantly lower than that of the firm.
360 Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses 360 Finance's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of 360 Finance could also be used in its relative valuation, which is a method of valuing 360 Finance by comparing valuation metrics of similar companies.360 Finance is currently under evaluation in net income category among its peers.
360 Finance Current Valuation Drivers
We derive many important indicators used in calculating different scores of 360 Finance from analyzing 360 Finance's financial statements. These drivers represent accounts that assess 360 Finance's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of 360 Finance's important valuation drivers and their relationship over time.
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 (projected) | ||
| Market Cap | 22.4B | 21.9B | 17.6B | 41.7B | 37.6B | 39.4B | |
| Enterprise Value | 16.7B | 15.0B | 14.4B | 38.9B | 35.0B | 36.8B |
360 Finance ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, 360 Finance's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to 360 Finance's managers, analysts, and investors.Environmental | Governance | Social |
360 Finance Institutional Holders
Institutional Holdings refers to the ownership stake in 360 Finance that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of 360 Finance's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing 360 Finance's value.| Shares | State Street Corp | 2025-06-30 | 2.5 M | Goldman Sachs Group Inc | 2025-06-30 | 2 M | Ubs Group Ag | 2025-06-30 | 2 M | Dimensional Fund Advisors, Inc. | 2025-06-30 | 1.8 M | Citigroup Inc | 2025-06-30 | 1.4 M | Jpmorgan Chase & Co | 2025-06-30 | 1.4 M | Swedbank Ab | 2025-06-30 | 1.3 M | Causeway Capital Management Llc | 2025-06-30 | 1.3 M | Arrowstreet Capital Limited Partnership | 2025-06-30 | 1.1 M | Aspex Management (hk) Ltd | 2025-06-30 | 6.6 M | Oceanlink Management Ltd. | 2025-06-30 | 6.6 M |
360 Fundamentals
| Return On Equity | 0.29 | ||||
| Return On Asset | 0.11 | ||||
| Profit Margin | 0.35 % | ||||
| Operating Margin | 0.48 % | ||||
| Current Valuation | 350.53 M | ||||
| Shares Outstanding | 130.19 M | ||||
| Shares Owned By Insiders | 2.57 % | ||||
| Shares Owned By Institutions | 75.72 % | ||||
| Number Of Shares Shorted | 3.23 M | ||||
| Price To Earning | 3.61 X | ||||
| Price To Book | 0.62 X | ||||
| Price To Sales | 0.12 X | ||||
| Revenue | 17.17 B | ||||
| Gross Profit | 12.78 B | ||||
| EBITDA | 8.08 B | ||||
| Net Income | 6.26 B | ||||
| Cash And Equivalents | 7.25 B | ||||
| Cash Per Share | 46.40 X | ||||
| Total Debt | 1.65 B | ||||
| Debt To Equity | 0.04 % | ||||
| Current Ratio | 1.86 X | ||||
| Book Value Per Share | 26.91 X | ||||
| Cash Flow From Operations | 9.34 B | ||||
| Short Ratio | 2.95 X | ||||
| Earnings Per Share | 7.17 X | ||||
| Target Price | 32.8 | ||||
| Number Of Employees | 3.53 K | ||||
| Beta | 0.53 | ||||
| Market Capitalization | 2.28 B | ||||
| Total Asset | 48.13 B | ||||
| Retained Earnings | 20.95 B | ||||
| Annual Yield | 0.09 % | ||||
| Net Asset | 48.13 B | ||||
| Last Dividend Paid | 10.69 |
About 360 Finance Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze 360 Finance's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of 360 Finance using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of 360 Finance based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
Pair Trading with 360 Finance
One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if 360 Finance position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in 360 Finance will appreciate offsetting losses from the drop in the long position's value.Moving together with 360 Stock
Moving against 360 Stock
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| 0.75 | INTC | Intel | PairCorr |
| 0.73 | DD | Dupont De Nemours | PairCorr |
| 0.73 | BA | Boeing | PairCorr |
The ability to find closely correlated positions to 360 Finance could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace 360 Finance when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back 360 Finance - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling 360 Finance to buy it.
The correlation of 360 Finance is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as 360 Finance moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if 360 Finance moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for 360 Finance can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.Check out To learn how to invest in 360 Stock, please use our How to Invest in 360 Finance guide.You can also try the Balance Of Power module to check stock momentum by analyzing Balance Of Power indicator and other technical ratios.
Will Consumer Finance sector continue expanding? Could 360 diversify its offerings? Factors like these will boost the valuation of 360 Finance. Anticipated expansion of 360 directly elevates investor willingness to pay premium valuations. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every 360 Finance data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth (0.11) | Dividend Share 10.691 | Earnings Share 7.17 | Revenue Per Share | Quarterly Revenue Growth 0.191 |
360 Finance's market price often diverges from its book value, the accounting figure shown on 360's balance sheet. Smart investors calculate 360 Finance's intrinsic value - its true economic worth - which may differ significantly from both market price and book value. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Since 360 Finance's trading price responds to investor sentiment, macroeconomic conditions, and market psychology, it can swing far from fundamental value.
It's important to distinguish between 360 Finance's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding 360 Finance should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. However, 360 Finance's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.