TRON (26) VEL (59) FINV (60) GAIN (49) ⌘ Pro Terminal →

Qfin Holdings Inc. (QFIN) — RQD Stock Rating Cockpit

Q: Should I buy, hold, or sell QFIN stock right now?

Qfin Holdings Inc. (QFIN) currently earns a Roarable Rating of C (Hold — HOLD) with 65/100 RQD Confidence. Solid steady margins (27% return on capital), mixed timing at current multiples—hold if owned, no rush to chase.

Q: What is QFIN's 12-month price target and RQD AI Jury consensus?

QFIN's 12-month base price target is $5.44 (range $4.24 to $25.25), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

$5.27 -4.01% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $5.22

Qfin Holdings Inc. (QFIN) carries a Roarable Rating of C (Hold) with 65/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 65/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.3% avg 90D alpha vs SPY) →

ROARABLE C • HOLD / WATCH Cap $641.6M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $5.22 (-0.91%)🧬 Cannibal Buyback (-0.96% YoY Shares)⚙️ Cash Engine: 18/20 (A) • 57.7% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 65/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.3% avg 90D alpha vs SPY • 55.6% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C- · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+3.2% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for QFIN)Realized 20D OHLCV Swing Band: ±10.1%

Deterministic 5-Pillar Attribution (65/100 Composite)

🔍 WHY QFIN SCORES 65/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Cash Engine Quality+18/20 pts (28% of score)

SEC XBRL FY 2025 (10-K): 57.7% FCF Margin ($1.58B FCF) & 52% Gross Margin

▲ #2 Bullish Driver: Macro Regime Fit+16/20 pts (25% of score)

FRED Regime × Technicals: 2% of 52W Range • RSI-14 at 24.7 (OVERSOLD (<32))

▼ #1 Drag / Risk Factor: Whale & Options Positioning7/20 pts (-13 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-13 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade B$6.20-8.5% Next Q

Q2 (-2Q)

Grade B$5.67-7.2% Next Q

Q3 (-1Q)

Grade B-$5.26+0.2% Next Q

Current

Grade C$5.27+1.3% Hist 90D α

Trajectory: B (73) → C (65)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the QFIN Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 65/100 (C) score, QFIN faces multiple-compression risk if current valuation multiples re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-0.96% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($7.33) or 200D SMA ($12.46) invalidates the momentum regime and cuts Target Base ($5.44) toward Bear Floor ($4.24).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $QFIN• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “QFIN Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 65%NO 35%Trade / Inspect Odds →

RSI-14 MOMENTUMOVERSOLD (<32)

24.730 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

5 / 99-Pt Accounting

52-WEEK LASER RANGE2% OF RANGE

L: $5$5.27H: $24

1. Money & Cash Health● HEALTHY

Are profits real cash in the bank?

Real cash coming in backs up reported profits (steady margins and healthy balance-sheet cushion).

Factor Grade: ARQD 18 / 20

2. Big Money & Insiders● TRIMMING

Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: DRQD 18 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: BRQD 29 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on QFIN

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BULLISH (90)

27.2% ROIC with 42.0% gross margin and 2.80% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (57)

18/40 institutional & smart-money positioning score with 16/20 macro alignment.

Bull Case: Why Buyers Like QFIN

✓Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (QFIN Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

QFIN // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -59.71%▼ DESCENDING CHANNEL

2026-10-30O $5.18H $5.36L $5.10C $5.27VOL 1.72M

RES: $9.39SUP: $4.00SMA50: $7.33SMA200: $12.46

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

QFIN Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 QFIN Butterfly Map → + Track QFIN →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. +16.8% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on QFIN today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for QFIN. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for QFIN today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (QFIN)

Financials Rank #326 of 1096 ⚔️ TRON vs QFIN Full Matrix →

1. Head-to-Head Financials Peer Comparison (QFIN vs. TRON, VEL, FINV, GAIN)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Qfin Holdings Inc. (QFIN) ranks #326 by composite RQD confidence (65/100, grade C) and #652 by equity capitalization ($641.6M). Within this direct 5-issuer industry benchmark cohort, VEL leads on earnings valuation at 6.0x trailing P/E, while GAIN leads on capital efficiency and profitability with 31.0% ROIC and — gross margin. QFIN currently leads its immediate peer cohort in composite quantitative strength at 65/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
QFIN ACTIVE Qfin Holdings Inc.	C	65/100	—	—	27.2%	-4.01%	$641.6M	Benchmark Subject
TRON Tron Inc.	E	26/100	—	—	-0.9%	-11.40%	$645.2M	/tron-vs-qfin →
VEL Velocity Financial Inc.	C-	59/100	6.0x	—	15.6%	+2.44%	$629.7M	/vel-vs-qfin →
FINV FinVolution Group	C-	60/100	—	—	15.4%	+0.71%	$672.9M	/finv-vs-qfin →
GAIN Gladstone Investment Corporation Business Development Company	D	49/100	—	—	31.0%	+1.26%	$608.1M	/gain-vs-qfin →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001741530

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Qfin Holdings Inc. (QFIN) reported GAAP revenue of $2.75B (+16.8% vs. FY2024 revenue of $2.35B , and +19.7% cumulative change since FY2023) , GAAP net income of $0, operating cash flow of $1.58B, and free cash flow of $1.58B (+23.8% YoY). On the balance sheet, QFIN closed FY2025 with $8.14B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$2.75B	$0	$1.58B	$1.58B	$8.14B	—
FY2024 (FY)	2024-12-31	$2.35B	$0	$1.28B	$1.28B	$6.59B	—
FY2023 (FY)	2023-12-31	$2.29B	$0	$1.00B	$1.00B	—	—

3. QFIN Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is QFIN stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Qfin Holdings Inc. (NASDAQ: QFIN) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 65/100 at a spot price of $5.27 (-4.01% 1D, market cap $641.6M). Pillar breakdown: Fundamental Cash Engine 18/20, Institutional 13F & Options Flow 7/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 11/20. Across 1096 tracked Financials issuers, QFIN ranks #326 in composite RQD confidence.

How does QFIN compare to TRON and VEL in the Financials sector?

Within the Financials sector (Finance: Consumer Services), QFIN carries a Roarable C (65/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 27.2%. By comparison, TRON (Tron Inc.) holds a E grade (26/100 RQD, P/E N/A, ROIC -0.9%, cap $645.2M) and VEL (Velocity Financial Inc.) posts a C- grade (59/100 RQD, P/E 6.0x, ROIC 15.6%, cap $629.7M). Among the 5-stock peer group, VEL leads on earnings multiple (6.0x) while GAIN leads on capital efficiency (31.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for QFIN?

Per QFIN's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001741530), Qfin Holdings Inc. generated $2.75B in revenue (+16.8% YoY), $0 in net income, and $1.58B in free cash flow against $8.14B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is QFIN trading relative to its 50-day, 200-day, and 52-week technical levels?

QFIN last traded at $5.27 (-4.01% on volume of 2,840,496 shares), positioning the stock -28.10% below its 50-day simple moving average ($7.33) and -57.70% below its 200-day simple moving average ($12.46). Across its 52-week range of $5.10 to $24.05, QFIN sits at the 0.9% percentile with a 14-day RSI of 24.7 (OVERSOLD (<32)) and an implied next-earnings move of ±10.1% ($4.74 to $5.80).

QFIN Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell QFIN stock right now?

Qfin Holdings Inc. (QFIN) currently earns a Roarable Rating of C (Hold — HOLD) with 65/100 RQD Confidence. Solid steady margins (27% return on capital), mixed timing at current multiples—hold if owned, no rush to chase.

What is QFIN's 12-month price target and RQD AI Jury consensus?

QFIN's 12-month base price target is $5.44 (range $4.24 to $25.25), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: QFIN RQD Cockpit QFIN 12M Forecast QFIN Earnings & Move QFIN Dividends & DRIP QFIN Insiders & 13F QFIN Whale Options QFIN Profit Sankey QFIN News & Why