Stock Ratings / Financials / QFIN / earnings

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

Qfin Holdings Inc. (QFIN) Next Earnings Date & Expected ±10.1% Move

Q: 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.

Q: 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).

Q: 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.

Q: 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).

Q: When is QFIN's next earnings date?

Based on SEC filing cadence, Qfin Holdings Inc. (QFIN)'s next quarterly reporting window is estimated around Dec 30, 2026.

Q: How much is QFIN stock expected to move on earnings?

Volatility modeling currently projects a ±10.1% event move for QFIN, spanning a range between $4.74 and $5.8.

$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 →

NEXT EST. WINDOW: Dec 30, 2026 (~58 DAYS)

Historical OHLCV Volatility ±10.1% Swing Band

±$0.53 Expected Swing

MODEL EARNINGS SETUP GAUGE

QFIN Quantitative Pre-Earnings Setup: 65/100

Trailing EPS: $4.25 • YoY Revenue Growth: 16.8%

Model Bullish Setup (65/100)Model Risk Weight (35/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-12-31	$2.75B	$0	$1.58B	52%
FY 2024	2024-12-31	$2.35B	$0	$1.28B	52%
FY 2023	2023-12-31	$2.29B	$0	$1.00B	52%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating QFIN & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on QFIN
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

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

When is QFIN's next earnings date?

Based on SEC filing cadence, Qfin Holdings Inc. (QFIN)'s next quarterly reporting window is estimated around Dec 30, 2026.

How much is QFIN stock expected to move on earnings?

Volatility modeling currently projects a ±10.1% event move for QFIN, spanning a range between $4.74 and $5.8.

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