Is Qfin a value trap?

u/Mouth_Herpes · Reddit — r/ValueInvesting · January 13, 2026 at 20:36 · ⬆ 1 pts · 💬 1 comments  | View on Reddit ↗
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Original Reddit post

Bullish on Qfin (QFIN) based on deep value metrics, but acknowledges risks including China exposure and profit declines.

QFIN — LONG The author bought Qfin because it is extremely cheap on paper, with a P/E around 3-4, price/book below 1, an 8% dividend yield, a PEG below 0.5, net margins around 40%, and a 2025 revenue beat. They plan to buy more despite concerns about China, profit drops in Q2/Q3, and smart money selling. The main risks are distrust of China and recent profit declines.

Main reasonfor buying is that it is so cheap on paper:

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u/Mouth_Herpes Reddit r/ValueInvesting
Qfin deep value despite China risks
The author bought Qfin because it is extremely cheap on paper, with a P/E around 3-4, price/book below 1, an 8% dividend yield, a PEG below 0.5, net margins around 40%, and a 2025 revenue beat. They plan to buy more despite concerns about China, profit drops in Q2/Q3, and smart money selling. The main risks are distrust of China and recent profit declines.
QFIN HIGH
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This Reddit post, published January 13, 2026, features u/Mouth_Herpes discussing QFIN. 1 trade idea extracted by AI with direction and confidence scoring.

Speakers: u/Mouth_Herpes  · Tickers: QFIN