360 DigiTech, Inc.

NASDAQ

QFIN

Stock

Yield per half year: +2.49%
Dividend yield: 4.18%
Sector: High Tech

Reporting 360 DigiTech, Inc.

Capitalization

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ¥			1.82	1.89	1.67	3.96	2.6	2.8		2.61	2.58	8.18
Выручка, млрд ¥	0.0001	0.7881	4.45	9.22	13.56	16.64	16.55	16.29	17.17	17.17	16.04	4.83
Чистая прибыль, млрд ¥	-0.0218	-0.1664	1.19	2.5	3.5	5.78	4.02	4.29	6.26	6.26	4.77	12.33
EV, млрд ¥			1.33	1.22	0.9044	2.34	15.64	5.44	17.83	17.83	8.43	81.53
EBIT, млрд ¥	0	-0.2286	1.66	2.97	4.08	7.04	4.68	7.91	8.01	8.01	6.34	14.44
EBITDA, млрд ¥	-0.0299	-0.2273	1.66	2.98	4.12	7.11	4.76	7.98	8.08	8.08	6.41	14.42
OIBDA, млрд ¥					4.7	8.36	5.57	6.68	9.34	9.34	6.93	14.72
Баланс стоимость, млрд ¥	-0.0218	0.4018	4.44	7.21	9.48	15.2	18.85	21.94	24.19	24.19	17.93	20.61
FCF, млрд ¥	-0.1701	-0.1181	0.2766	2.95	5.31	5.76	5.9	7.03	9.19	9.19	6.64	11.59
Операционный денежный поток, млрд ¥	-0.1644	-0.111	0.2851	2.97	5.33	5.79	5.92	7.12	9.34	9.34	6.70	11.87
Операционная прибыль, млрд ¥	-0.0301	-0.2286	1.66	2.97	4.08	7.04	4.84	2.98	7.53	7.53	5.29	13.04
Операционные расходы, млрд ¥	0	0.3916	1.9	3.48	1.65	-7.24	1.54	5.59	3.08	3.08	0.9240	13.30
CAPEX, млрд ¥	0.0057	0.0071	0.0086	0.0256	0.0153	0.0253	0.0253	0.0846	0.1532	0.1532	0.0607	58.53

	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Капитализация, млрд ¥			3.79	3.57	3.01	2.37	2.33	2.46	3.4	2.77	2.76	2.44					2.77	-0.16
Выручка, млрд ¥							4.18	3.6	3.91	3.48	3.89	3.32	3.32	4.16	3.58	4.48	3.77	6.18
Чистая прибыль, млрд ¥							0.9798	0.9341	0.872	1.14	1.11	1.16	1.16	1.38	1.8	1.92	1.48	10.60
EV, млрд ¥							1.1	2.2	1.88	16.87	14.47	3.92	5.98	6.1	12.25	16.87	9.02	33.90
EBIT, млрд ¥						1.17	1.17	1.11	1.11	1.46	2.06	1.51	1.51	1.98		2.2	1.85	1.32
EBITDA, млрд ¥						1.16	1.16	1.11	1.03	1.48	2.08	1.53	1.53	2.08		2.22	1.89	1.31
OIBDA, млрд ¥												1.9	1.9	2.69		2.19	2.17	3.61
Баланс стоимость, млрд ¥							17.02	19.65	18.85	21.05	21.94	22.07	22.07	22.57	22.84	24.19	22.75	1.85
FCF, млрд ¥							1.11	1.76	1.77	1.24	2.27	1.96	1.96	1.96	2.37	3.05	2.26	9.25
Операционный денежный поток, млрд ¥							1.12	1.76	1.79	1.24	2.35	1.96	1.96	1.96	2.37	3.05	2.26	9.25
Операционная прибыль, млрд ¥						1.17	1.17	1.11	1.11	1.48	2.06	1.53	1.53	1.98		1.89	1.80	-1.71
Операционные расходы, млрд ¥							-2.48	-1.72	1.54	-2	1.53	-1.79	-1.79	0.3719	3.58	1.07	0.2884	-190.22
CAPEX, млрд ¥	0.0256	0.0253	0.0253	0.0153	0.0153		0.0045	0.0253	0.0253		0.0846		0.0846				0.0449	79.82

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд ¥	0.0062	0.4685	1.45	2.11	4.42	6.12	7.17	4.18	4.45	4.45	5.27	0.14
Short Term Investments ¥							0.057	0.015	3.39	3.39	1.15	290.34
Long term investments ¥							0.057	0.015			0.0360	-48.70
Total Receivables ¥	0.0682	0.3781	3.61	4.92	7.24	8.86	3.26	7.83	2.22	2.22	5.88	-21.06
Total Current Assets ¥	0.0743	0.8466	5.06	7.03	11.66	14.97	15.61	44.67	42.78	42.78	25.94	29.69
Чистые активы, млрд ¥	0.002	0.006	0.0069	0.0171	0.0194	0.0675	0.0476	2.18		2.18	0.4663	163.69
Активы, млрд ¥	0.0895	2.75	7.35	20.36	24.39	33.5	40.34	45.82	48.13	48.13	38.44	14.56
Short Term Debt ¥				0.2	0.1868	0.3976	0.1807	0.8277	1.4	1.4	0.5986	49.61
Задолженность, млрд ¥	0.1114	2.35	2.91	0.2	14.91	18.29	21.41	23.81	23.89	23.89	20.46	9.89
Чистый долг, млрд ¥	-0.0062	-0.4685	-1.45	-1.91	-4.23	-5.72	-7.02	-3.35	-3.06	-3.06	-4.6760	-6.27
Долг, млрд ¥				0.0279	0.0261	0.0555	0.15	0.8277	1.4	1.4	0.4919	121.77
Interest income ¥	0	0.0534	0.2779	1.31	2.26	2.31	3.67	4.85			2.88	29.93
Расходы на обслуживание долга ¥				0.0417	0.0417	0.01	0.0772	0.0108		0.0105	0.0363	-23.68
Чист. проц. доходы, млрд ¥		0.0534	0.2779	0.9229	2.26	2.31	3.67	4.85		0.6816	2.80	39.35
Goodwill ¥								0.0412			0.0412	0.00
Амортизация, млрд ¥		0.0013	0.0038	0.0076	0.0361	0.066	0.077	0.0738	0.0749	0.0749	0.0656	15.72
Себестоимость, млрд ¥	0.0132	0.1649	0.8361	2.08	3.21	3.8	4.86	5.84	6.56	6.56	4.85	15.37
Товарно материальные запасы ¥			-4.1	-15.06	-15.06	-18.54	25.77	4.87	1.3	1.3	-0.3320	-161.27

	2019Q4	2020Q1	2020Q2	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Наличность, млрд ¥												6.97	5.13	7.17	4.94	4.18	5.3	5.3	6.34	4.29	4.45	5.14	-3.44
Short Term Investments ¥												0.03	0.236	0.057	0.2475	0.015	0.015	0.015	0.2912	3.12	3.39	1.37	195.68
Long term investments ¥												0.03	0.057	0.236	0.2475		0.015					0.1171	-12.94
Total Receivables ¥												9.19	7.61	8.39	8.03	2.95	2.8	2.8	5.72	4.61	2.22	3.63	-4.54
Total Current Assets ¥												16.16	12.98	15.61	12.97	39.8	11.7	11.7	45	42.99	42.78	30.83	29.60
Чистые активы, млрд ¥					0.0194	0.0588	0.06	0.0519	0.0675	0.0952	0.0965	0.0899	0.1033			0.1483						0.1066	9.27
Активы, млрд ¥												37.67	40.88	40.34	46.04	45.82	47.43	47.43	46.98	46.99	48.13	47.39	0.29
Short Term Debt ¥												0.6112	0.15	0.15	0.7563	0.8277	0.6838	0.6838	1.06	1.04	1.4	0.9735	15.41
Задолженность, млрд ¥												20.65	21.15	21.41	24.91	23.81	25.29	25.29	24.35	24.09	23.89	24.58	-1.13
Чистый долг, млрд ¥												-6.35	-4.98	-7.02	-4.18	-3.35	-4.62	-4.62	-5.28	-3.25	-3.06	-4.1660	-7.91
Долг, млрд ¥												0.0893	0.0209	0.0207	0.7563	0.8277	0.6838	0.6838	1.06	1.04	1.4	0.9735	15.41
Interest income ¥								0.5975	0.7325	0.8137	0.8633	0.9349	1.06	1.13	1.24	1.42	1.53					1.28	7.62
Расходы на обслуживание долга ¥	0.0142	0.0142	0.1611	0.1446	0.506	0.506			0.0051	0.0173			0.0772	0.0772								0.1366	-31.34
Чист. проц. доходы, млрд ¥										0.8137	0.8633	0.9349	1.06	1.13	1.24	1.42	1.53	0.2226	0.2438			0.9313	-27.77
Goodwill ¥															0.0412	0.0412	0.0412					0.0412	0.00
Амортизация, млрд ¥											-0.0049	-0.0049	-0.0043	-0.0772	0.0192	0.0184	0.0184	0.0184	0.0956		0.0184	0.0338	0.00
Себестоимость, млрд ¥										0.9741		1.2	1.23	1.32	1.4	1.68	1.68	1.68	1.8		1.52	1.67	-1.98
Товарно материальные запасы ¥									-18.45	-18.45		0	-26.66	-25.77	0	4.87	33.7	33.7			1.3	9.56	-155.03

Share

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	-1.16	1.98	8.32	24.61	37.59	24.99	52.18	82.57		82.57	44.39	27.39
Цена акции ао		15.51	9.77	11.79	22.93	20.36	15.82	38.38	42	42	27.90	12.87
Число акций ао, млн	99.17	114.08	149.85	156.21	160.46	161.01	82.13	75.86		75.86	127.13	-13.45
FCF/акцию	-1.19	2.42	19.67	34	35.92	36.63	85.65	121.14		121.14	62.67	28.93

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	5 quarters average	CAGR 5
EPS					6.48	5.7	5.92	6.94	6.88	14.6	14.6	17.84	24.35	26.49			19.58	12.65
Цена акции ао			18.7	14.85	14.56	14.85	20.96	16.82	17.07	15.32					44.23	42	27.09	20.08
Число акций ао, млн	160.68	160.46	160.82	159.94	159.94	165.61	162.02	164.61	161.65	159.46							162.67	-0.75
FCF/акцию					6.96	10.63	10.91	7.56	14.03	24.56	24.56	25.35	32.03	42.17			29.73	11.42

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %	100	-41.4	26.88	34.68	36.88	38.03	23.64	21.01	27.16		27.16	51.41	29.34	-5.94
ROA, %	-24.39	-6.04	16.24	12.29	14.34	17.26	10.9	9.95	13.34		13.34	21.00	13.16	-1.44
ROIC, %			26.63	33.81		38.83	26.14	24.37				26.60	29.96	-1.76
ROS, %		-21.11	26.83	27.13	25.78	34.76	24.31	26.31	36.49	36.49	36.49	24.36	31.67	0.98
ROCE, %		-56.89	37.38	14.72	43.06	46.26	11.65	68.06	26.11	33.02	33.02	67.73	37.02	-6.52
Ebit margin, %				32.19	30.1	42.32	28.3	48.56	46.64	46.64	46.64		42.49	1.96
Рентаб EBITDA, %		-28.84	37.41	32.27	30.37	42.71	28.76	49.01	47.08	47.08	47.08	37.35	42.93	1.97
Чистая рентаб, %	-36388.33	-21.11	26.83	27.13	25.78	34.76	24.31	26.31	36.49		36.49	24.37	29.53	7.20
Operation Margin, %		-29	37.32	32.19	30.1	42.32	29.23	18.29	43.86	43.86	43.86	32.90	35.51	0.72
Чистая процентная маржа, %		-94.85	-51.01	35.08	29.99	40.48					37.87	18.49	-8.0620	-184.34
Доходность FCF, %			15.22	155.77	318.21	145.75	226.45	251.6				13.50	219.56	10.06

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q2	Industry average	5 quarters average	CAGR 5
ROE, %					5.76	4.75	4.63	5.42	5.63	5.5	5.38	6.28	8.09	8.46		51.41	6.74	8.99
ROA, %					2.6	2.29	2.16	2.48	2.42	2.5	2.45	2.92	3.84	4.03		21.00	3.15	10.02
ROIC, %									9.02							26.60	9.02	0.00
ROS, %						25.95	22.32	32.79	28.57	35.02	35.02	33.19	50.31	42.76	36.49	24.36	39.55	0.83
ROCE, %					6.84	5.63	5.84	6.92	5.43	3.75	3.67	5.86		6.27	33.02	67.73	10.51	54.51
Ebit margin, %									53.03	45.48	45.48	47.72		49.12	46.64		46.89	0.50
Рентаб EBITDA, %					27.73	30.74	26.34	42.56	53.5	46.04	46.04	50.01		49.53	47.08	37.35	47.74	0.45
Чистая рентаб, %					23.42	25.95	22.32	32.79	28.57	35.02	35.02	33.19	50.31	42.76		24.37	39.26	4.07
Operation Margin, %					27.85	30.86	28.31	42.56	53.03	46.04	46.04	47.72		42.17	43.86	32.90	45.17	-0.97
Доходность FCF, %	46.88	39.77	66.38	47.09	47.85	71.62	52.03	44.94	82.15	80.15						13.50	66.18	2.28

Coefficients

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E		1.52	0.7564	0.4773	0.6841	5.63	2.05	3.33		3.33	11.96	2.43	47.48
P/BV		0.4093	0.2623	0.176	0.2601	1.2	0.3994	0.8615		0.8615	5.58	0.5794	37.39
P/S		0.4087	0.2052	0.123	0.2377	1.37	0.5397	1.22		1.22	2.79	0.6981	58.23
P/FCF		6.57	0.642	0.3143	0.6861	0.4416	0.3975	0.3711	0.284	0.284	343.51	0.4361	-16.17
E/P		0.6566	1.32	2.1	1.46	1.55	1.53	1.64	2.4	2.4	0.55	1.72	10.45
EV/EBIT			2.95	1.59	2.38	3.34	0.6878	2.23	2.23	2.23		2.17	-1.29
EV/EBITDA	2.06	5.75	2.9	1.57	2.36	3.29	0.6815	2.21		2.21	7.55	2.02	7.08
EV/S			0.9502	0.4778	1.01	0.945	0.334	1.04	1.04	1.04	2.69	0.8738	0.59
EV/FCF			2.97	1.22	2.91	2.65	0.7736	1.94	1.94	1.94	7.66	2.04	-7.79
Debt/EBITDA			0.0663	0.0454	0.056	0.0315	0.1037	0.1729	0.1729	0.1729	0.50	0.1074	25.29
Netdebt/Ebitda	2.06	-0.8692	-0.6413	-1.03	-0.8048	-1.47	-0.4196	-0.3781	-0.3781	-0.3781	-0.31	-0.6901	-14.02
Debt/Ratio		0.4	0.65	0.61	0.55	0.0037	0.0181	0.029	0.029	0.029	0.17	0.1260	-44.49
Debt/Equity		0.66	1.82	1.57	1.2	0.008	0.0377	0.0578	0.9852	0.9852	1.55	0.4577	-3.87
Debt/Net Income			0.0799	0.0534	0.0688	0.0373	0.1932	0.223	0.223	0.223	1.11	0.1491	26.52
PEG									0.0496	0.0496		0.0496	0.00
Бета				0.53	0.63	0.38	0.3616	4.23	-0.049	-0.049	0.02	1.11	-160.00
Индекс Альтмана		1.87	1.21	1.39	1.57	1.01	0.6861	0.3157	0.4582	0.4582	1402.01	0.8080	-21.83

	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E						2.38	2.63	3.89	5.31	4.44	1.93	2.34	2.42	2.93	3.31			11.96	2.59	11.39
P/BV						0.1368	0.1252	0.1802	0.9962	0.8098	0.3855	0.4786	0.5028	0.6766	0.8217			5.58	0.5730	16.34
P/S						0.5565	0.6832	0.8694	1.37	1.21	0.5964	0.7644	0.7937	1.13	1.34			2.79	0.9249	17.57
P/FCF			2.51	1.51	2.12	2.09	1.4	1.92	2.23	1.22	1.25						0.284	343.51	1.38	-31.77
E/P			0.3304	0.4398	0.4126	0.4209	0.3799	0.2568	0.4126	0.4028	0.4766						2.4	0.55	0.7898	56.36
EV/EBIT										7.01	2.59	3.95	3.07		7.66		2.23		3.90	-2.95
EV/EBITDA					1.99	1.49	3.32	3.05	11.38	2.24	0.5015	0.8098	0.8446		2.89			7.55	1.46	5.23
EV/S									4.84	3.72	1.18	1.8	1.47	3.42	3.76		1.04	2.69	2.30	-10.39
EV/FCF									13.56	6.38	2	3.05	3.11	5.16	5.53		1.94	7.66	3.76	-8.65
Debt/EBITDA						0.544	0.1458	0.1458	0.5102	0.3975	0.4468	0.4468	0.5088		0.6293		0.1729	0.50	0.4409	-17.29
Netdebt/Ebitda						-5.48	-4.5	-6.82	-2.82	-1.61	-3.02	-3.02	-2.54		-1.38		-0.3781	-0.31	-2.0676	-34.00
Debt/Ratio									0.0164	0.0181	0.0144	0.0144	0.0225	0.0222	0.029		0.029	0.17	0.0234	15.03
Debt/Equity									0.0359	0.0377	0.031	0.031	0.0469	0.0457	0.0578		0.9852	1.55	0.2333	99.73
Debt/Net Income									0.6622	0.7445	0.5873	0.5873	0.7668	0.5787	0.729		0.223	1.11	0.5770	-17.61
PEG																	0.0496		0.0496	0.00
Бета																-2.09	-0.049	0.02	-1.0695	-84.69
Индекс Альтмана	0.6476	0.5649	0.4073	0.4385	0.3015	0.3148	0.2691			0.3146						0.3157	0.4582	1402.01	0.3345	7.80

Dividends

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	0.4242	3.1	3.1		0.0387	0.9417	1.26			0.0383		1.69	-16.48
Дивиденд	0.28	0.22			0.28	0.82	0.66	1.18	0.7	1.3		0.7280	20.11
Див доход, ао, %		0	0	0	1.14	3.4	6.62	5.4	2.96	4.18	0.00	3.90	21.03
Дивиденды / прибыль, %		259.59	123.83	0	0	6.88	21.98	20.16		20.16	44.00	86.49	-40.02
Dividend Coverage Ratio									163.56	163.56		163.56	0.00

	2018Q4	2019Q1	2020Q1	2021Q4	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2025Q2	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд	3.1	3.1	3.1			0.5517	0.277	0.277		0.9417			1.03	-21.20
Дивиденд				0.28	0.48	0.18	0.16		0.16	0.5			0.2960	0.82
Див доход, ао, %				1.26	3.23	1.24	1.08		0.9515	2.93		0.00	1.89	-1.93
Дивиденды / прибыль, %	520.86	520.86	720.54			56.3	29.65	31.76		84.71		44.00	184.59	-34.83
Dividend Coverage Ratio											163.56		163.56	0.00

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual Quarterly

	2020	2021	2022	2023	2024	LTM	CAGR 5
CAPEX/Выручка, %	0.1126	0.1521	0.1529	0.5191	0.8922	0.8922	51.28
Персонал, чел		1 643	1 643	2 199			10.20

	2024Q1	CAGR 5
CAPEX/Выручка, %	2.54	0.00

	CAGR 5