360 Finance Stock Buy Hold or Sell Recommendation

QFIN Stock  USD 18.43  0.23  1.26%   
Given the investment horizon of 90 days and your above-average risk tolerance, our recommendation regarding 360 Finance is 'Cautious Hold'. Macroaxis provides 360 Finance buy-hold-or-sell recommendation only in the context of selected investment horizon and investor attitude towards risk assumed by holding QFIN positions. The advice algorithm takes into account all of 360 Finance's available fundamental, technical, and predictive indicators you will find on this site. Key drivers impacting 360 Finance's buy or sell advice are summarized below:
Real Value
21.02
Target Price
24.38
Hype Value
18.5
Market Value
18.43
Naive Value
18.23
A buy or sell recommendation provided by Macroaxis is an automated directive regarding whether to purchase or sell 360 Finance given historical horizon and risk tolerance towards 360 Finance. When Macroaxis issues a 'buy' or 'sell' recommendation for 360 Finance, the advice is generated through an automated system that utilizes algorithms and statistical models.
  
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 tightly coupled with the direction of predictive economic indicators such as signals in gross domestic product.

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

Execute Advice
Sell 360 FinanceBuy 360 Finance
Cautious Hold

Market Performance

OKDetails

Volatility

Not too volatileDetails

Hype Condition

Under hypedDetails

Current Valuation

UndervaluedDetails

Odds Of Distress

LowDetails

Economic Sensitivity

Follows the market closelyDetails

Investor Sentiment

InterestedDetails

Analyst Consensus

Strong BuyDetails

Financial Strenth (F Score)

StrongDetails

Financial Leverage

InapplicableDetails

Reporting Quality (M-Score)

Unlikely ManipulatorDetails
For the selected time horizon 360 Finance has a Mean Deviation of 2.26, Semi Deviation of 2.07, Standard Deviation of 3.17, Variance of 10.05, Downside Variance of 6.09 and Semi Variance of 4.29
Our trade recommendation tool can cross-verify current analyst consensus on 360 Finance and to analyze the company potential to grow this quarter and beyond. To make sure 360 Finance is not overpriced, please confirm all 360 Finance fundamentals, including its net income, target price, and the relationship between the price to book and current ratio . Given that 360 Finance has a number of shares shorted of 4.52 M, we suggest you to validate 360 Finance market performance and probability of bankruptcy to ensure the company can sustain itself this quarter and beyond given your latest risk tolerance and investing horizon.

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 69.0% of the company shares are owned by institutional investors
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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
0.36
Value At Risk
-3.55
Potential Upside
7.24
Standard Deviation
3.17
   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 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 originates 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
Yunqi Capital Ltd2023-12-31
2.7 M
Greenwoods Asset Management Hong Kong Ltd.2023-12-31
2.4 M
Norges Bank2023-12-31
2.3 M
State Street Corporation2023-12-31
1.9 M
Dimensional Fund Advisors, Inc.2023-12-31
1.9 M
Fidelity International Ltd2023-12-31
1.7 M
Causeway Capital Management Llc2023-12-31
1.1 M
Legal & General Group Plc2023-12-31
1.1 M
Geode Capital Management, Llc2023-12-31
M
Oceanlink Management Ltd.2023-12-31
12.9 M
Morgan Stanley - Brokerage Accounts2023-12-31
10.7 M
Note, although 360 Finance's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

360 Finance Cash Flow Accounts

201920202021202220232024 (projected)
Investments(8.9B)892.8M(6.1B)(7.4B)(10.9B)(10.4B)
Change In Cash1.8B2.9B2.0B1.8B(2.2B)(2.1B)
Net Borrowings(740.1M)200M(13.2M)498.4M573.1M601.8M
Depreciation3.8M7.6M36.1M66.0M75.9M79.7M
Capital Expenditures7.1M8.6M25.6M15.3M25.3M0.0
Net Income1.2B2.5B3.5B5.8B4.0B3.1B
End Period Cash Flow3.8B6.8B8.8B10.5B8.0B5.6B
Change To Netincome1.1B6.2B8.0M1.9B2.2B1.6B
Free Cash Flow2.9B5.3B5.8B5.9B6.5B4.2B
Other Non Cash Items792.2M4.8B3.1B10.6M12.2M11.6M

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 NYSE Composite
0.27
β
Beta against NYSE Composite0.68
σ
Overall volatility
3.19
Ir
Information ratio 0.07

360 Finance Volatility Alert

360 Finance currently demonstrates below-average downside deviation. It has Information Ratio of 0.07 and Jensen Alpha of 0.27. 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
Fundamentals360 FinancePeer Average
Return On Equity0.21-0.31
Return On Asset0.11-0.14
Profit Margin0.26 %(1.27) %
Operating Margin0.46 %(5.51) %
Current Valuation2.54 B16.62 B
Shares Outstanding161.46 M571.82 M
Shares Owned By Insiders0.84 %10.09 %
Shares Owned By Institutions68.61 %39.21 %
Number Of Shares Shorted4.52 M4.71 M
Price To Earning3.61 X28.72 X
Price To Book1.01 X9.51 X
Price To Sales0.18 X11.42 X
Revenue13.06 B9.43 B
Gross Profit11.7 B27.38 B
EBITDA7.99 B3.9 B
Net Income4.05 B570.98 M
Cash And Equivalents7.25 B2.7 B
Cash Per Share46.40 X5.01 X
Total Debt150 M5.32 B
Debt To Equity0.04 %48.70 %
Current Ratio1.86 X2.16 X
Book Value Per Share138.70 X1.93 K
Cash Flow From Operations6.56 B971.22 M
Short Ratio3.04 X4.00 X
Earnings Per Share3.41 X3.12 X
Target Price22.79
Beta0.64-0.15
Market Capitalization2.95 B19.03 B
Total Asset40.34 B29.47 B
Retained Earnings12.8 B9.33 B
Z Score13.228.72
Annual Yield0.06 %
Net Asset40.34 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.
 2021 2022 2023 2024 (projected)
Non Current Assets Total1.0B1.1B1.3B1.3B
Cash6.1B7.2B8.2B8.7B

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.

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Russia On Wall Street
Russia On Wall Street Theme
Cross-sector and cross-instrument bundle of publicly traded Russian entities that are expected to be listed on USA exchanges or over the counter. The Russia On Wall Street theme has 21 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 Russia On Wall Street Theme or any other thematic opportunities.
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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 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 Portfolio Holdings module to check your current holdings and cash postion to detemine if your portfolio needs rebalancing.

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When running 360 Finance's price analysis, check to measure 360 Finance's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy 360 Finance is operating at the current time. Most of 360 Finance's value examination focuses on studying past and present price action to predict the probability of 360 Finance's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move 360 Finance's price. Additionally, you may evaluate how the addition of 360 Finance to your portfolios can decrease your overall portfolio volatility.
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Is 360 Finance's industry 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
0.275
Dividend Share
7.658
Earnings Share
3.41
Revenue Per Share
101.575
Quarterly Revenue Growth
0.151
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.