360 Finance Stock Analysis

360 Stock Analysis Notes

About 77.0% of the company shares are owned by institutional investors. The company has price-to-book ratio of 0.6. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. 360 Finance recorded earning per share (EPS) of 7.06. The entity last dividend was issued on the 8th of September 2025. 360 DigiTech, Inc., through its subsidiaries, operates financial technology platform under the 360 Jietiao brand in the Peoples Republic of China. The company was formerly known as 360 Finance, Inc. and changed its name to 360 DigiTech, Inc. in September 2020. 360 DigiTech, Inc. was founded in 2016 and is headquartered in Shanghai, the Peoples Republic of China. 360 Finance is traded on NASDAQ Exchange in the United States. To find out more about 360 Finance contact Haisheng Wu at 86 21 5835 7668 or learn more at https://www.qfin.com.

360 Finance Investment Alerts

360 Largest EPS Surprises

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360 Finance Environmental, Social, and Governance (ESG) Scores

360 Stock Institutional Investors

Note, although 360 Finance's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

360 Market Capitalization

The company currently falls under 'Mid-Cap' category with a current market capitalization of 2.2 B.

360 Profitablity

The company has Profit Margin (PM) of 0.35 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.48 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.48.

Management Efficiency

360 Finance has return on total asset (ROA) of 0.1077 % which means that it generated a profit of $0.1077 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.2912 %, meaning that it created $0.2912 on every $100 dollars invested by stockholders. 360 Finance's management efficiency ratios could be used to measure how well 360 Finance manages its routine affairs as well as how well it operates its assets and liabilities. At this time, 360 Finance's Return On Tangible Assets are very stable compared to the past year. As of the 31st of January 2026, Return On Capital Employed is likely to grow to 0.23, while Return On Assets are likely to drop 0.12. At this time, 360 Finance's Return On Tangible Assets are very stable compared to the past year. As of the 31st of January 2026, Intangibles To Total Assets is likely to grow to 0.02, while Non Currrent Assets Other are likely to drop about 638.3 M.

Technical Drivers

As of the 31st of January, 360 Finance owns the Information Ratio of (0.21), variance of 14.02, and Market Risk Adjusted Performance of (0.93). 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 Price Movement Analysis

360 Finance Outstanding Bonds

360 Finance Predictive Daily Indicators

360 Finance Corporate Filings

360 Finance Forecast Models

360 Finance's time-series forecasting models are one of many 360 Finance's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary 360 Finance's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

360 Finance Bond Ratings

360 Finance financial ratings play a critical role in determining how much 360 Finance have to pay to access credit markets, i.e., the amount of interest on their issued debt. The threshold between investment-grade and speculative-grade ratings has important market implications for 360 Finance's borrowing costs.

360 Finance Debt to Cash Allocation

360 Finance currently holds 1.65 B in liabilities with Debt to Equity (D/E) ratio of 0.04, which may suggest the company is not taking enough advantage from borrowing. 360 Finance has a current ratio of 1.82, which is within standard range for the sector. Note, when we think about 360 Finance's use of debt, we should always consider it together with its cash and equity.

360 Finance Total Assets Over Time

360 Finance Assets Financed by Debt

The debt-to-assets ratio shows the degree to which 360 Finance uses debt to finance its assets. It includes both long-term and short-term borrowings maturing within one year. It also includes both tangible and intangible assets, such as goodwill.

360 Finance Debt Ratio

3.24

It appears that most of the 360 Finance's assets are financed through equity. Typically, companies with high debt-to-asset ratios are said to be highly leveraged. The higher the ratio, the greater risk will be associated with the 360 Finance's operation. In addition, a high debt-to-assets ratio may indicate a low borrowing capacity of 360 Finance, which in turn will lower the firm's financial flexibility.

360 Finance Corporate Bonds Issued

360 Short Long Term Debt Total

Stock analysis is the technique used by a trader or investor to examine and evaluate how 360 Finance prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling 360 shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as 360 Finance. By using and applying 360 Stock analysis, traders can create a robust methodology for identifying 360 entry and exit points for their positions.

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. 360 analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. 360 analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.

360 Finance stock analysis indicators help investors evaluate how 360 Finance stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading 360 Finance shares will generate the highest return on investment. By understating and applying 360 Finance stock analysis, traders can identify 360 Finance position entry and exit signals to maximize returns.

Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in 360 Finance. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in gross domestic product. To learn how to invest in 360 Stock, please use our How to Invest in 360 Finance guide.You can also try the Watchlist Optimization module to optimize watchlists to build efficient portfolios or rebalance existing positions based on the mean-variance optimization algorithm.

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.

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.