360 Finance Stock Buy Hold or Sell Recommendation
| QFIN Stock | USD 43.19 3.22 8.06% |
Given the investment horizon of 90 days and your above-average risk tolerance, our recommendation regarding 360 Finance is 'Hold'. The recommendation algorithm takes into account all of 360 Finance's available fundamental, technical, and predictive indicators you will find on this site.
Check out 360 Finance Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. To learn how to invest in 360 Stock, please use our How to Invest in 360 Finance guide. In addition, we conduct extensive research on individual companies such as 360 and provide practical buy, sell, or hold advice based on investors' investing horizon and their risk tolerance towards 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.
360 |
Execute 360 Finance Buy or Sell Advice
The 360 recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on 360 Finance. Macroaxis does not own or have any residual interests in 360 Finance or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute 360 Finance's advice using the current market data and latest reported fundamentals.
Time Horizon
Risk Tolerance
 |  |
Hold
Market Performance | Modest | Details | |
Volatility | Very steady | Details | |
Hype Condition | Over hyped | Details | |
Current Valuation | Fairly Valued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Follows the market closely | Details | |
Investor Sentiment | Interested | Details | |
Analyst Consensus | Strong Buy | Details | |
Financial Strenth (F Score) | Strong | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
360 Finance Trading Alerts and Improvement Suggestions
| 360 Finance had very high historical volatility over the last 90 days | |
| 360 Finance has a strong financial position based on the latest SEC filings | |
| About 70.0% of the company shares are owned by institutional investors | |
| Latest headline from gurufocus.com: Qifu Technology Inc Stock Price Up 6.74 percent on Mar 11 |
360 Finance Returns Distribution Density
The distribution of 360 Finance's historical returns is an attempt to chart the uncertainty of 360 Finance's future price movements. The chart of the probability distribution of 360 Finance daily returns describes the distribution of returns around its average expected value. We use 360 Finance price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of 360 Finance returns is essential to provide solid investment advice for 360 Finance.
| Mean Return | 0.29 | Value At Risk | -5.18 | Potential Upside | 5.96 | Standard Deviation | 3.25 |
Return Density |
| Distribution |
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of 360 Finance historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.
360 Stock Institutional Investors
Have you ever been surprised when a price of an equity instrument, such as 360 Finance, soars without any apparent reason. This usually happens because many institutional investors are aggressively trading 360 Finance back and forth among themselves. Companies that invest excess capital in these types of assets may also be included in this term and can influence corporate governance by exercising voting rights in their investments.
| Shares | Dimensional Fund Advisors, Inc. | 2024-12-31 | 2 M | Man Group Plc | 2024-12-31 | 1.5 M | Arrowstreet Capital Limited Partnership | 2024-12-31 | 1.5 M | Causeway Capital Management Llc | 2024-12-31 | 1.4 M | Marshall Wace Asset Management Ltd | 2024-12-31 | 1.4 M | Geode Capital Management, Llc | 2024-12-31 | 1.3 M | Norges Bank | 2024-12-31 | 1.2 M | Goldman Sachs Group Inc | 2024-12-31 | 1.2 M | Tiger Pacific Capital Lp | 2024-12-31 | 1.1 M | Oceanlink Management Ltd. | 2024-12-31 | 7.6 M | Fountainvest China Capital Partners Gp3 Ltd. | 2024-12-31 | 7.5 M |
360 Finance Cash Flow Accounts
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 (projected) | ||
| Investments | 892.8M | (6.1B) | (7.4B) | (10.9B) | (9.8B) | (9.4B) | |
| Change In Cash | 2.9B | 2.0B | 1.8B | (3.0B) | (2.7B) | (2.5B) | |
| Net Borrowings | (740.1M) | 200M | (13.2M) | 498.4M | 573.1M | 601.8M | |
| Free Cash Flow | 5.3B | 5.8B | 5.9B | 7.0B | 8.1B | 8.5B | |
| Depreciation | 7.6M | 36.1M | 66.0M | 73.8M | 84.8M | 89.1M | |
| Other Non Cash Items | 4.8B | 3.1B | 10.6M | 5.8B | 6.7B | 7.0B | |
| Capital Expenditures | 25.6M | 15.3M | 25.3M | 84.6M | 97.2M | 102.1M | |
| Net Income | 2.5B | 3.5B | 5.8B | 4.3B | 4.9B | 3.1B | |
| End Period Cash Flow | 6.8B | 8.8B | 10.5B | 7.6B | 8.7B | 5.6B | |
| Change To Netincome | 1.1B | 6.2B | 8.0M | 1.9B | 2.2B | 1.6B |
360 Finance Greeks
Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to 360 Finance or Consumer Finance sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that 360 Finance's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a 360 stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α | Alpha over Dow Jones | 0.36 | |
β | Beta against Dow Jones | 0.71 | |
σ | Overall volatility | 3.25 | |
Ir | Information ratio | 0.12 |
360 Finance Volatility Alert
360 Finance shows above-average downside volatility for the selected time horizon. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure 360 Finance's stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact 360 Finance's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.360 Finance Fundamentals Vs Peers
Comparing 360 Finance's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze 360 Finance's direct or indirect competition across all of the common fundamentals between 360 Finance and the related equities. This way, we can detect undervalued stocks with similar characteristics as 360 Finance or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of 360 Finance's fundamental indicators could also be used in its relative valuation, which is a method of valuing 360 Finance by comparing valuation metrics with those of similar companies.
| Better Than Average | Worse Than Average | Compare 360 Finance to competition |
| Fundamentals | 360 Finance | Peer Average |
| Return On Equity | 0.25 | -0.31 |
| Return On Asset | 0.11 | -0.14 |
| Profit Margin | 0.32 % | (1.27) % |
| Operating Margin | 0.54 % | (5.51) % |
| Current Valuation | 6.48 B | 16.62 B |
| Shares Outstanding | 155.25 M | 571.82 M |
| Shares Owned By Insiders | 1.02 % | 10.09 % |
| Shares Owned By Institutions | 70.09 % | 39.21 % |
| Number Of Shares Shorted | 3.87 M | 4.71 M |
| Price To Earning | 3.61 X | 28.72 X |
| Price To Book | 2.12 X | 9.51 X |
| Price To Sales | 0.40 X | 11.42 X |
| Revenue | 16.29 B | 9.43 B |
| Gross Profit | 10.46 B | 27.38 B |
| EBITDA | 7.98 B | 3.9 B |
| Net Income | 4.27 B | 570.98 M |
| Cash And Equivalents | 7.25 B | 2.7 B |
| Cash Per Share | 46.40 X | 5.01 X |
| Total Debt | 827.73 M | 5.32 B |
| Debt To Equity | 0.04 % | 48.70 % |
| Current Ratio | 1.86 X | 2.16 X |
| Book Value Per Share | 157.19 X | 1.93 K |
| Cash Flow From Operations | 7.12 B | 971.22 M |
| Short Ratio | 2.63 X | 4.00 X |
| Earnings Per Share | 4.83 X | 3.12 X |
| Target Price | 44.91 | |
| Number Of Employees | 3.12 K | 18.84 K |
| Beta | 0.64 | -0.15 |
| Market Capitalization | 6.83 B | 19.03 B |
| Total Asset | 45.82 B | 29.47 B |
| Retained Earnings | 16.3 B | 9.33 B |
| Annual Yield | 0.03 % | |
| Net Asset | 45.82 B |
360 Finance Market Momentum
Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as 360 . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
About 360 Finance Buy or Sell Advice
When is the right time to buy or sell 360 Finance? Buying financial instruments such as 360 Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.
Use Investing Ideas to Build Portfolios
In addition to having 360 Finance in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.Did You Try This Idea?
Run Management Thematic Idea Now
Management
Companies providing management services to businesses. The Management theme has 40 constituents at this time.
You can either use a buy-and-hold strategy to lock in the entire theme or actively trade it to take advantage of the short-term price volatility of individual constituents. Macroaxis can help you discover thousands of investment opportunities in different asset classes. In addition, you can partner with us for reliable portfolio optimization as you plan to utilize Management Theme or any other thematic opportunities.
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Check out 360 Finance Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. To learn how to invest in 360 Stock, please use our How to Invest in 360 Finance guide.You can also try the Sign In To Macroaxis module to sign in to explore Macroaxis' wealth optimization platform and fintech modules.
Is Consumer Finance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of 360 Finance. If investors know 360 will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about 360 Finance listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 0.755 | Dividend Share 8.219 | Earnings Share 4.83 | Revenue Per Share | Quarterly Revenue Growth 0.021 |
The market value of 360 Finance is measured differently than its book value, which is the value of 360 that is recorded on the company's balance sheet. Investors also form their own opinion of 360 Finance's value that differs from its market value or its book value, called intrinsic value, which is 360 Finance's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because 360 Finance's market value can be influenced by many factors that don't directly affect 360 Finance's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between 360 Finance's value and its price as these two are different measures arrived at by different means. Investors typically determine if 360 Finance is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. 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.