Discounted Cash Flow
Qfin Holdings, Inc. ADR
—
—
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Endpoint CAGR (better for long term trend)
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Projected growth rate
—
—
%
%
Historical inputs (10 fiscal years)
| YEAR | Sales | Net Income | Free Cash Flow | Net Margin | EPS (diluted) |
|---|---|---|---|---|---|
| 2017 | $788.1m | $24.4m | $-17.5m | 3.1% | $0.83 |
| 2018 | $646.8m (-17.9%) | $25.7m (5.3%) | $40.9m (334.2%) | 4.0% (28.3%) | $-1.37 (-265.1%) |
| 2019 | $1.3b (104.8%) | $43.1k (-99.8%) | $436.2m (965.8%) | 0.0% (-99.9%) | $1.24 (190.5%) |
| 2020 | $2.1b (57.0%) | $132.8k (208.2%) | $785.9m (80.2%) | 0.0% (96.4%) | $1.80 (45.2%) |
| 2021 | $2.6b (25.6%) | $2.5m (1818.8%) | $853.1m (8.5%) | 0.1% (1428.0%) | $2.95 (63.9%) |
| 2022 | $2.4b (-8.1%) | $2.8m (8.1%) | $872.5m (2.3%) | 0.1% (17.6%) | $1.87 (-36.6%) |
| 2023 | $2.3b (-4.4%) | $2.5m (-9.9%) | $1.0b (19.3%) | 0.1% (-5.8%) | $1.88 (0.5%) |
| 2024 | $2.4b (2.5%) | $2.4m (-3.3%) | $1.4b (30.7%) | 0.1% (-5.7%) | $2.88 (53.2%) |
| 2025 | $2.7b (16.8%) | $2.1m (-13.3%) | $1.6b (18.0%) | 0.1% (-25.7%) | $3.21 (11.5%) |
Base FCF: — (latest fiscal year)
Discount rate: % —
Terminal growth: —
Projection period: — years
Alt A decline yrs:
Alt B total yrs:
SEC filings report in CNY. Values above are converted to USD for comparison with the US-listed share price.
Values abbreviated: b = billions, m = millions, k = thousands.
Projected cash flows
| Year | Projected cash flow | Discount Factor | Present Value |
|---|
PV of projected FCF: —
Terminal FCF: —
Terminal value: —
PV of terminal value: —
Enterprise value (DCF): —
Current price: —
—Alternative DCF Models
| Model | Fair Value | Upside | PV(FCFs) | PV(Terminal) | Total Years |
|---|---|---|---|---|---|
| Standard (10yr→TV) | — | — | — | — | 10 + TV |
| Alt A (Gradual Decline) | — | — | — | — | — |
| Alt B (30yr Hard Stop) | — | — | — | N/A | — |
This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.