Roiver Score™ for
QFINQfin Holdings, Inc. American Depositary Shares
Scored on 4 of 5 components
Based on the annual report for the fiscal year ended December 31, 2025.
Qfin Holdings, Inc. American Depositary Shares (QFIN) scores 95/100 (Excellent) on the Roiver Score, a transparent quality composite, based on its annual report for the fiscal year ended December 31, 2025. It is scored on 4 of 5 components; capital structure can't be measured from its filings. Its strongest area is cash quality; its weakest is stability. The score measures business quality, not timing — it's a signal, not a recommendation.
No black box
Roiver Score is a transparent 0–100 quality composite. Five components, each scored 0–20. If one can't be measured from a company's filings, the score is scaled from the ones that can (at least three are required). Banks, insurers and REITs are scored on measures suited to them. Inspired by Piotroski's F-Score, Altman's Z-Score, and the Buffett/Munger framework on quality compounders at fair prices. Read the full methodology →
Frequently asked about QFIN
What is QFIN's Roiver Score?
Qfin Holdings, Inc. American Depositary Shares scores 95 out of 100 (Excellent), scored on 4 of 5 components. Based on the annual report for the fiscal year ended December 31, 2025.
How is the Roiver Score for QFIN calculated?
It combines profitability, capital structure, cash quality, valuation and stability into a transparent 0–100 composite. Five components, each scored 0–20. If one can't be measured from a company's filings, the score is scaled from the ones that can (at least three are required). The full methodology is published.
Is QFIN a good quality stock?
On quality, QFIN rates "Excellent" (95/100). Its strongest driver is cash quality and its weakest is stability. Quality is one input to a decision, not a buy/sell call.
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Educational use only. Roiver Score is a quality signal, not a recommendation.