JP Morgan has downgraded Qfin Holdings Inc (QFIN) to Neutral from Overweight as of November 18, 2025. The stock is currently priced at $18.15.
This downgrade suggests increased caution regarding Qfin's outlook, potentially reflecting concerns about competitive pressures, market conditions, or execution risks that could affect the company's performance.
Qfin Holdings, headquartered in Shanghai, operates in the Consumer Finance industry and employs 3,527 full-time staff. The company, which went public on December 14, 2018, offers credit technology services, including credit-driven services that connect borrowers with financial institutions and platform services under the Intelligent Credit Engine (ICE) model.
As of November 20, 2025, Qfin has a market capitalization of $2.6 billion, a P/E ratio of 2.51, and an EPS of 25.55. The company has a notable dividend yield of 748.8%. Upcoming earnings are expected on August 12, 2026, with an EPS estimate of $13.01.
Analyst consensus as of November 1, 2025, indicates 7 Strong Buy, 11 Buy, 1 Hold, and no Sell ratings, resulting in an overall Buy consensus. Recent earnings performance has shown some volatility, with Q3 2025 EPS at $10.80, falling short of the $12.04 estimate by 10.2%. This follows a stronger performance in Q2 2025, where EPS met expectations at $13.63.
Analyst ratings and price targets serve as professional opinions based on research and financial models. Investors should consider multiple factors, including company fundamentals and industry trends, in their decision-making process. Analyst views should be one of many inputs rather than the sole basis for investment choices.