QFIN Relative Valuation - 360 DigiTech Inc

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Price: 13.12 USD 1% Market Closed

Market Cap: $1.8B

	360 DigiTech Inc NASDAQ:QFIN	CN
	Straits Trading Company Ltd SGX:S20	SG

Multiples-Based Value

The Multiples-Based Value for 360 DigiTech Inc (QFIN) under the Base Case is 63.54 USD. Compared with the current market price of 13.12 USD, the stock appears Undervalued by 79%.

Multiples-Based Value is the estimated value of a stock based on various valuation multiples like P/E and EV/EBIT ratios. It offers a quick snapshot of a stock's valuation in relation to its peers and historical norms.

What is relative valuation?

How is Multiples-Based Value calculated?

QFIN Multiples-Based Value

Base Case

Undervaluation 79%

Multiples-Based Value

Price $13.12

Worst Case

Base Case

Best Case

Valuation Multiples

View Details

Multiples Across Competitors

All Multiples

P/S

P/E

EV/EBITDA

EV/EBIT

Forward Multiples

			Market Cap	P/S	P/E	EV/EBITDA	EV/EBIT
CN		360 DigiTech Inc NASDAQ:QFIN	1.8B USD	0.7	2.1	1.2	1.2
US		American Express Co NYSE:AXP	209.7B USD	2.7	19.6	24	27.1
US		Capital One Financial Corp NYSE:COF	115.2B USD	2.2	53	0	0
IN		Bajaj Finance Ltd NSE:BAJFINANCE	5.3T INR	6.7	29.2	24.2	24.9
US		Discover Financial Services NYSE:DFS	50.3B USD	2.3	9.1	0	0
US		Synchrony Financial NYSE:SYF	24B USD	1.3	6.9	0	0
US		SoFi Technologies Inc NASDAQ:SOFI	20.7B USD	5.7	42.9	0	0
IN		Shriram Finance Ltd NSE:SHRIRAMFIN	1.7T INR	3.7	18.9	22.3	23.1
KZ	K	Kaspi.kz AO NASDAQ:KSPI	14.4B USD	0	0	0	0
IN		Muthoot Finance Ltd NSE:MUTHOOTFIN	1.3T INR	4.8	14.9	20.5	20.7
IN		Tata Capital Ltd NSE:TATACAP	1.2T INR	3.7	29.3	12	12.2

				Revenue Growth	P/S to Growth
CN		360 DigiTech Inc NASDAQ:QFIN	Average P/S: 3.4 0.7	-7%	N/A
US		American Express Co NYSE:AXP	2.7	7%	0.4
US		Capital One Financial Corp NYSE:COF	2.2	10%	0.2
IN		Bajaj Finance Ltd NSE:BAJFINANCE	6.7	5%	1.3
US		Discover Financial Services NYSE:DFS	2.3	2%	1.1
US		Synchrony Financial NYSE:SYF	1.3	0%	N/A
US		SoFi Technologies Inc NASDAQ:SOFI	5.7	24%	0.2
IN		Shriram Finance Ltd NSE:SHRIRAMFIN	3.7	-2%	N/A
KZ	K	Kaspi.kz AO NASDAQ:KSPI	Not Available	17%	N/A
IN		Muthoot Finance Ltd NSE:MUTHOOTFIN	4.8	N/A	N/A
IN		Tata Capital Ltd NSE:TATACAP	3.7	-4%	N/A

				Earnings Growth	PEG
CN		360 DigiTech Inc NASDAQ:QFIN	Average P/E: 22.6 2.1	N/A	N/A
US		American Express Co NYSE:AXP	19.6	14%	1.4
US		Capital One Financial Corp NYSE:COF	53	101%	0.5
IN		Bajaj Finance Ltd NSE:BAJFINANCE	29.2	24%	1.2
US		Discover Financial Services NYSE:DFS	9.1	1%	9.1
US		Synchrony Financial NYSE:SYF	6.9	5%	1.4
US		SoFi Technologies Inc NASDAQ:SOFI	42.9	41%	1
IN		Shriram Finance Ltd NSE:SHRIRAMFIN	18.9	12%	1.6
KZ	K	Kaspi.kz AO NASDAQ:KSPI	Not Available	N/A	N/A
IN		Muthoot Finance Ltd NSE:MUTHOOTFIN	14.9	31%	0.5
IN		Tata Capital Ltd NSE:TATACAP	29.3	34%	0.9

				EBITDA Growth	EV/EBITDA to Growth
CN		360 DigiTech Inc NASDAQ:QFIN	Average EV/EBITDA: 17.3 1.2	18%	0.1
US		American Express Co NYSE:AXP	24	N/A	N/A
US		Capital One Financial Corp NYSE:COF	Not Available	N/A	N/A
IN		Bajaj Finance Ltd NSE:BAJFINANCE	24.2	13%	1.9
US		Discover Financial Services NYSE:DFS	Not Available	N/A	N/A
US		Synchrony Financial NYSE:SYF	Not Available	N/A	N/A
US		SoFi Technologies Inc NASDAQ:SOFI	Not Available	N/A	N/A
IN		Shriram Finance Ltd NSE:SHRIRAMFIN	22.3	7%	3.2
KZ	K	Kaspi.kz AO NASDAQ:KSPI	Not Available	N/A	N/A
IN		Muthoot Finance Ltd NSE:MUTHOOTFIN	20.5	21%	1
IN		Tata Capital Ltd NSE:TATACAP	12	N/A	N/A

				EBIT Growth	EV/EBIT to Growth
CN		360 DigiTech Inc NASDAQ:QFIN	Average EV/EBIT: 18.2 1.2	18%	0.1
US		American Express Co NYSE:AXP	27.1	12%	2.3
US		Capital One Financial Corp NYSE:COF	Not Available	N/A	N/A
IN		Bajaj Finance Ltd NSE:BAJFINANCE	24.9	20%	1.2
US		Discover Financial Services NYSE:DFS	Not Available	N/A	N/A
US		Synchrony Financial NYSE:SYF	Not Available	N/A	N/A
US		SoFi Technologies Inc NASDAQ:SOFI	Not Available	N/A	N/A
IN		Shriram Finance Ltd NSE:SHRIRAMFIN	23.1	17%	1.4
KZ	K	Kaspi.kz AO NASDAQ:KSPI	Not Available	N/A	N/A
IN		Muthoot Finance Ltd NSE:MUTHOOTFIN	20.7	28%	0.7
IN		Tata Capital Ltd NSE:TATACAP	12.2	-14%	N/A

360 DigiTech Inc
NASDAQ:QFIN

Multiples-Based Value

Valuation Multiples

Multiples Across Competitors

QFIN Competitors Multiples
360 DigiTech Inc Competitors

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360 DigiTech Inc NASDAQ:QFIN

Multiples-Based Value

Valuation Multiples

Multiples Across Competitors

QFIN Competitors Multiples 360 DigiTech Inc Competitors

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Company

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360 DigiTech Inc
NASDAQ:QFIN

QFIN Competitors Multiples
360 DigiTech Inc Competitors