Is 360 Finance Stock a Good Investment?
360 Finance Investment Advice | QFIN |
- Examine 360 Finance's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research 360 Finance's leadership team and their track record. Good management can help 360 Finance navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Consumer Finance space and any emerging trends that could impact 360 Finance's business and its evolving consumer preferences.
- Compare 360 Finance's performance and market position to its competitors. Analyze how 360 Finance is positioned in terms of product offerings, innovation, and market share.
- Check if 360 Finance pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about 360 Finance's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in 360 Finance stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if 360 Finance is a good investment.
Sell | Buy |
Strong Hold
Market Performance | OK | Details | |
Volatility | Very steady | Details | |
Hype Condition | Under hyped | Details | |
Current Valuation | Undervalued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Almost mirrors the market | Details | |
Investor Sentiment | Impartial | Details | |
Analyst Consensus | Strong Buy | Details | |
Financial Strenth (F Score) | Strong | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Examine 360 Finance Stock
Researching 360 Finance's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 70.0% of the company shares are owned by institutional investors. The book value of 360 Finance was at this time reported as 169.24. The company recorded earning per share (EPS) of 5.82. 360 Finance last dividend was issued on the 23rd of April 2025.
To determine if 360 Finance is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding 360 Finance's research are outlined below:
| 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 2.08 percent on Mar 19 |
360 Finance uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in 360 Finance. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to 360 Finance's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 14th of March 2024 Upcoming Quarterly Report | View | |
| 16th of May 2024 Next Financial Report | View | |
| 31st of December 2023 Next Fiscal Quarter End | View | |
| 14th of March 2024 Next Fiscal Year End | View | |
| 30th of September 2023 Last Quarter Report | View | |
| 31st of December 2022 Last Financial Announcement | View |
Earnings surprises can significantly impact 360 Finance's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises 360 Finance's investors have experienced.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2023-11-16 | 2023-09-30 | 6.46 | 7.2 | 0.74 | 11 | ||
2020-08-23 | 2020-06-30 | 5.19 | 6.19 | 1.0 | 19 | ||
2020-05-28 | 2020-03-31 | 0.33 | 1.68 | 1.35 | 409 | ||
2021-03-15 | 2020-12-31 | 6.89 | 8.4 | 1.51 | 21 | ||
2021-11-15 | 2021-09-30 | 8.57 | 10.17 | 1.6 | 18 | ||
2022-03-10 | 2021-12-31 | 6.97 | 8.58 | 1.61 | 23 | ||
2024-08-13 | 2024-06-30 | 7.17 | 9.16 | 1.99 | 27 | ||
2019-11-27 | 2019-09-30 | 4.72 | 2.45 | -2.27 | 48 |
360 Finance Target Price Consensus
360 target price is determined by taking all analyst projections and averaging them out. There is no one specific way to measure analysts' performance other than comparing it to past results via a very sophisticated attribution analysis. 360 Finance's target price projections below should be used in combination with other traditional price prediction techniques such as stock price forecasting, investor sentiment analysis, technical analysis, earnings estimate, and various momentum models.
| 11 | Strong Buy |
Most 360 analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to help potential investors understand 360 stock's fair price compared to its market value. Analysts arrive at stock ratings after researching the public financial statements of 360 Finance, talking to its executives and customers, or listening to those companies' conference calls.
Macroaxis Advice Exposure Valuation360 Finance Target Price Projection
360 Finance's current and average target prices are 46.02 and 42.85, respectively. The current price of 360 Finance is the price at which 360 Finance is currently trading. On the other hand, 360 Finance's target price is what analysts think the stock is worth or could sell for in the future. The more significant the discrepancy between the two prices, the more it stimulates investors to act.Current Price
360 Finance Market Quote on 21st of March 2025
Target Price
Analyst Consensus On 360 Finance Target Price
360 Finance Analyst Ratings
360 Finance's analyst stock recommendations are determined by taking an average estimate of all analysts we track and classifying them as Strong Buy, Buy, Hold, Strong Sell, or Sell. Ratings generally communicate what analysts sense about 360 Finance stock, and they use a lot of effort and time to analyze it and arrive at a rating. That suggests that analyst recommendations are the outcome of an objective and thorough examination of 360 Finance's financials, market performance, and future outlook by experienced professionals. 360 Finance's historical ratings below, therefore, can serve as a valuable tool for investors.Know 360 Finance's Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as 360 Finance is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading 360 Finance backward and forwards among themselves. 360 Finance's institutional investor refers to the entity that pools money to purchase 360 Finance's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may 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's market capitalization trends
The company currently falls under 'Mid-Cap' category with a current market capitalization of 7.4 B.Market Cap |
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360 Finance's profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.13 | 0.14 | |
| Return On Capital Employed | 0.25 | 0.23 | |
| Return On Assets | 0.13 | 0.14 | |
| Return On Equity | 0.26 | 0.47 |
Determining 360 Finance's profitability involves analyzing its financial statements and using various financial metrics to determine if 360 Finance is a good buy. For example, gross profit margin measures 360 Finance's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of 360 Finance's profitability and make more informed investment decisions.
Evaluate 360 Finance's management efficiency
360 Finance has return on total asset (ROA) of 0.1065 % which means that it generated a profit of $0.1065 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.2702 %, meaning that it created $0.2702 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 21st of March 2025, Return On Assets is likely to grow to 0.14, while Return On Capital Employed is likely to drop 0.23. At this time, 360 Finance's Intangible Assets are very stable compared to the past year. As of the 21st of March 2025, Return On Tangible Assets is likely to grow to 0.14, though Other Assets are likely to grow to (5.3 B).| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 159.78 | 167.76 | |
| Tangible Book Value Per Share | 153.11 | 160.77 | |
| Enterprise Value Over EBITDA | 4.42 | 4.64 | |
| Price Book Value Ratio | 0.88 | 0.92 | |
| Enterprise Value Multiple | 2.05 | 2.16 | |
| Price Fair Value | 0.88 | 0.92 | |
| Enterprise Value | 39.7 B | 41.7 B |
The operational strategies employed by 360 Finance management play a crucial role in its market positioning. Assessing these strategies alongside financial data helps us evaluate the stock's investment potential.
Basic technical analysis of 360 Stock
As of the 21st of March, 360 Finance owns the Coefficient Of Variation of 857.65, standard deviation of 3.36, and Market Risk Adjusted Performance of 0.4292. 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's Outstanding Corporate Bonds
360 Finance issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. 360 Finance uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most 360 bonds can be classified according to their maturity, which is the date when 360 Finance has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
| MPLX LP 4875 Corp BondUS55336VAJ98 | View | |
| MPLX LP 52 Corp BondUS55336VAL45 | View | |
| Morgan Stanley 3591 Corp BondUS61744YAK47 | View | |
| Morgan Stanley 3971 Corp BondUS61744YAL20 | View | |
| Valero Energy Partners Corp BondUS91914JAA07 | View |
Understand 360 Finance's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing 360 Finance's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | 0.1108 | |||
| Market Risk Adjusted Performance | 0.4292 | |||
| Mean Deviation | 2.55 | |||
| Semi Deviation | 2.8 | |||
| Downside Deviation | 3.02 | |||
| Coefficient Of Variation | 857.65 | |||
| Standard Deviation | 3.36 | |||
| Variance | 11.27 | |||
| Information Ratio | 0.1359 | |||
| Jensen Alpha | 0.4495 | |||
| Total Risk Alpha | 0.6648 | |||
| Sortino Ratio | 0.1511 | |||
| Treynor Ratio | 0.4192 | |||
| Maximum Drawdown | 14.61 | |||
| Value At Risk | (5.18) | |||
| Potential Upside | 6.06 | |||
| Downside Variance | 9.12 | |||
| Semi Variance | 7.86 | |||
| Expected Short fall | (2.86) | |||
| Skewness | 0.4742 | |||
| Kurtosis | 0.4548 |
| Risk Adjusted Performance | 0.1108 | |||
| Market Risk Adjusted Performance | 0.4292 | |||
| Mean Deviation | 2.55 | |||
| Semi Deviation | 2.8 | |||
| Downside Deviation | 3.02 | |||
| Coefficient Of Variation | 857.65 | |||
| Standard Deviation | 3.36 | |||
| Variance | 11.27 | |||
| Information Ratio | 0.1359 | |||
| Jensen Alpha | 0.4495 | |||
| Total Risk Alpha | 0.6648 | |||
| Sortino Ratio | 0.1511 | |||
| Treynor Ratio | 0.4192 | |||
| Maximum Drawdown | 14.61 | |||
| Value At Risk | (5.18) | |||
| Potential Upside | 6.06 | |||
| Downside Variance | 9.12 | |||
| Semi Variance | 7.86 | |||
| Expected Short fall | (2.86) | |||
| Skewness | 0.4742 | |||
| Kurtosis | 0.4548 |
Consider 360 Finance's intraday indicators
360 Finance intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of 360 Finance stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
| Daily Balance Of Power | (9,223,372,036,855) | |||
| Rate Of Daily Change | 0.97 | |||
| Day Median Price | 46.02 | |||
| Day Typical Price | 46.02 | |||
| Price Action Indicator | (0.82) | |||
| Period Momentum Indicator | (1.64) |
360 Finance Corporate Filings
6K | 17th of March 2025 A report filed by foreign private issuers with SEC. A foreign private issuer is a non-U.S. company with securities traded on U.S. exchanges. | ViewVerify |
13A | 14th of November 2024 The form used by investors holding more than 5% of a company's stock, to report their beneficial ownership pursuant to Rule 13d-1 or Rule 13d-2 under the Securities Exchange Act of 1934 | ViewVerify |
360 Stock media impact
Far too much social signal, news, headlines, and media speculation about 360 Finance that are available to investors today. That information is available publicly through 360 media outlets and privately through word of mouth or via 360 internal channels. However, regardless of the origin, that massive amount of 360 data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of 360 Finance news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of 360 Finance relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to 360 Finance's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive 360 Finance alpha.
360 Finance Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards 360 Finance can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
360 Finance Historical Investor Sentiment
Investor biases related to 360 Finance's public news can be used to forecast risks associated with an investment in 360. The trend in average sentiment can be used to explain how an investor holding 360 can time the market purely based on public headlines and social activities around 360 Finance. Please note that most equities that are difficult to arbitrage are affected by market sentiment the most.
360 Finance's market sentiment shows the aggregated news analyzed to detect positive and negative mentions from the text and comments. The data is normalized to provide daily scores for 360 Finance and other traded tickers. The bigger the bubble, the more accurate the estimated score. Higher bars for a given day show more participation in the average 360 Finance news discussions. The higher the estimate score, the more favorable the investor's outlook on 360 Finance.
360 Finance Maximum Pain Price Across May 16th 2025 Option Contracts
360 Finance's options can also be used to analyze investors' bias and current market sentiment in the context of behavioral finance. For example, Max pain usually refers to a trading concept that asserts that market manipulation can cause the market price of 360 Finance close to the expiration of its current option contract to expire worthlessly. According to most research, about 35% of options are not executed, with roughly 50% traded out before expiration. So, Max pain occurs when market makers reach a net favorable position across all options at a strike price where option holders stand to lose the most money. By contrast, option sellers may reap the most after selling more options than buying, causing them to expire worthlessly. Please continue to view the detailed analysis of 360 Finance's options.
When determining whether 360 Finance offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of 360 Finance's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of 360 Finance Stock. Outlined below are crucial reports that will aid in making a well-informed decision on 360 Finance Stock:
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 Stocks Directory module to find actively traded stocks across global markets.
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 0.93 | Dividend Share 9.489 | Earnings Share 5.82 | Revenue Per Share | Quarterly Revenue Growth (0) |
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.
In summary, please note that there is a difference between 360 Finance's value and its price, as these two are different measures arrived at by various 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.