Qfin Holdings, Inc.(QFIN)Earnings, Financials & Key Ratios
QFIN•NASDAQ•Banking & Credit
1.2× P/E·Price updated Jun 19, 2026
AboutQifu Technology, Inc., together with its subsidiaries, operates credit-tech platform under the 360 Jietiao brand in the People's Republic of China. The company provides credit-driven services that matches borrowers with financial institutions to conduct customer acquisition, initial and credit screening, advanced risk assessment, credit assessment, fund matching, and other post-facilitation services; and platform services, including loan facilitation and post-facilitation services to financial institution partners under intelligence credit engine, referral services, and risk management software-as-a-service. It offers e-commerce loans, enterprise loans, and invoice loans to SME owners. It serves financial institutions, consumers, and small- and micro-enterprises. The company was formerly known as 360 DigiTech, Inc. and changed its name to Qifu Technology, Inc. in March 2023. Qifu Technology, Inc. was founded in 2016 and is headquartered in Shanghai, the People's Republic of China.Show more
- Net Interest Income$8.34B+21.3%
- Total Revenue$18.68B+8.8%
- Net Income$5.8B-7.4%
- Return on Equity23.96%-11.5%
- Net Interest Margin14.64%+2.5%
- Efficiency Ratio47.65%+166.0%
- ROA11.04%-17.2%
- Equity / Assets42.42%-15.8%
- Book Value per Share355.03+122.2%
QFIN Key Insights
Qfin Holdings, Inc. (QFIN) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Excellent 3Y average ROE of 24.0%
- ✓Strong NIM of 14.6%
- ✓Efficient operations: 47.7% efficiency ratio
- ✓Well capitalized: 42.4% equity/assets
- ✓Share count reduced 55.2% through buybacks
- ✓Diversified revenue: 55.4% from non-interest income
✗Weaknesses
- ✗Trading more than 30% below 52-week high
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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QFIN Price & Volume
Qfin Holdings, Inc. (QFIN) stock price & volume — 10-year historical chart
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QFIN Growth Metrics
Qfin Holdings, Inc. (QFIN) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years6.61%
3 Years4.11%
TTM-
Profit CAGR
10 Years-
5 Years10.65%
3 Years12.95%
TTM-4.72%
EPS CAGR
10 Years-
5 Years31.78%
3 Years49.88%
TTM23.16%
Return on Capital
10 Years11.08%
5 Years21.87%
3 Years20.95%
Last Year20.44%
QFIN Recent Earnings
Qfin Holdings, Inc. (QFIN) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 7/12 qtrs (58%)●Beat Revenue 6/12 qtrs (50%)
Q2 2026Latest
May 26, 2026Metric
Actual
Est
EPS
$1.04+8.3%
$0.96
Rev
$567M+18.8%
$477M
Q2 2026
Mar 17, 2026Metric
Actual
Est
EPS
$1.12-0.9%
$1.13
Rev
$585M-9.2%
$644M
Q4 2025
Nov 18, 2025Metric
Actual
Est
EPS
$1.52-9.5%
$1.68
Rev
$731M+10.0%
$665M
Q3 2025
Aug 14, 2025Metric
Actual
Est
EPS
$1.78-0.6%
$1.79
Rev
$604M-12.9%
$693M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 26, 2026 | $1.04vs $0.96+8.3% | $567Mvs $477M+18.8% |
| Q2 2026 | Mar 17, 2026 | $1.12vs $1.13-0.9% | $585Mvs $644M-9.2% |
| Q4 2025 | Nov 18, 2025 | $1.52vs $1.68-9.5% | $731Mvs $665M+10.0% |
| Q3 2025 | Aug 14, 2025 | $1.78vs $1.79-0.6% | $604Mvs $693M-12.9% |
Based on last 12 quarters of dataView full earnings history →
QFIN Peer Comparison
Qfin Holdings, Inc. (QFIN) competitors in Small Business and Middle-Market Lending — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 LX | 337.33M | 2.00 | 1.48 | -9.94% | 11.52% | 14.68% | 0.40 | |
 FINV | 1.18B | 4.67 | 3.38 | 1.03% | 18.75% | 6.05% | 0.08 | |
 CNF | 1.04M | 3.09 | -0.02 | -60.88% | -14.04% | -1.25% | 1.18 | |
 UPST | 3.1B | 32.43 | 72.07 | 58.87% | 4.25% | 6.59% | 2.32 | |
 LC | 2.21B | 19.21 | 16.70 | 14.97% | 10.17% | 9.47% | 0.01 | |
 SOFI | 22.84B | 17.91 | 45.92 | 28.78% | 10.09% | 5.87% | 0.17 | |
 AFRM | 24.62B | 73.92 | 492.80 | 38.8% | 11.95% | 11.17% | 2.56 | |
 CACC | 6.04B | 579.73 | 15.44 | 8.57% | 19.61% | 29.39% | 4.17 |
Compare QFIN vs Peers
Qfin Holdings, Inc. (QFIN) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
QFIN Income Statement
Qfin Holdings, Inc. (QFIN) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 38.95M | 206.25M | 1.27B | 2.26B | 2.31B | 3.67B | 5.33B | 6.87B | 8.34B |
NII Growth % | 540886.11% | 429.52% | 514.73% | 78.35% | 2.17% | 58.86% | 45.15% | 29.03% | 21.27% |
Net Interest Margin % | 1.26% | 2.81% | 6.23% | 9.27% | 6.9% | 9.1% | 11.63% | 14.28% | 14.64% |
Interest Income | 53.39M | 277.87M | 1.31B | 2.26B | 2.31B | 3.67B | 5.33B | 6.87B | 8.34B |
Interest Expense | 14.44M | 71.62M | 41.71M | 0 | 0 | 0 | 0 | 0 | 0 |
Loan Loss Provision | 49.86M | 182.17M | 883.45M | 3.21B | 3.8B | 4.86B | 5.84B | 6.56B | 3.45B |
Non-Interest Income | 600.94M | 3.45B | 5.86B | 11.3B | 14.33B | 12.88B | 10.96B | 10.29B | 10.35B |
Non-Interest Income % | 91.84% | 92.54% | 81.74% | 83.33% | 86.11% | 77.83% | 67.3% | 59.96% | 55.38% |
Total Revenue | 654.33M▲ 0% | 3.72B▲ 469.2% | 7.17B▲ 92.6% | 13.56B▲ 89.1% | 16.64B▲ 22.6% | 16.55B▼ 0.5% | 16.29B▼ 1.6% | 17.17B▲ 5.4% | 18.68B▲ 8.8% |
Revenue Growth % | 16343.76% | 469.21% | 92.57% | 89.12% | 22.65% | -0.49% | -1.59% | 5.38% | 8.83% |
Non-Interest Expense | 376.99M | 1.81B | 3.28B | 6.57B | 6.05B | 7.23B | 5.59B | 3.08B | 8.9B |
Efficiency Ratio | 57.61% | 48.63% | 45.73% | 48.41% | 36.37% | 43.65% | 34.32% | 17.92% | 47.65% |
Operating Income | 213.04M▲ 0% | 1.66B▲ 679.0% | 2.97B▲ 78.8% | 3.79B▲ 27.7% | 6.79B▲ 79.0% | 4.47B▼ 34.1% | 4.86B▲ 8.6% | 7.53B▲ 55.0% | 6.33B▼ 16.0% |
Operating Margin % | 32.56% | 44.56% | 41.37% | 27.94% | 40.79% | 27.02% | 29.82% | 43.86% | 33.86% |
Operating Income Growth % | 409.91% | 679.03% | 78.79% | 27.73% | 79.05% | -34.1% | 8.6% | 55.01% | -15.98% |
Pretax Income | 213.04M▲ 0% | 1.66B▲ 679.0% | 2.97B▲ 78.8% | 4.08B▲ 37.6% | 7.02B▲ 72.1% | 4.74B▼ 32.5% | 5.28B▲ 11.3% | 7.89B▲ 49.5% | 7.18B▼ 9.1% |
Pretax Margin % | 32.56% | 44.56% | 41.37% | 30.09% | 42.21% | 28.65% | 32.4% | 45.98% | 38.41% |
Income Tax | 48.18M | 466.36M | 465.98M | 586.04M | 1.26B | 736.8M | 1.01B | 1.64B | 1.36B |
Effective Tax Rate % | 22.61% | 28.1% | 15.7% | 14.36% | 17.92% | 15.54% | 19.12% | 20.83% | 18.99% |
Net Income | 164.87M▲ 0% | 1.19B▲ 623.8% | 2.5B▲ 109.6% | 3.5B▲ 39.8% | 5.78B▲ 65.4% | 4.02B▼ 30.4% | 4.29B▲ 6.5% | 6.26B▲ 46.2% | 5.8B▼ 7.4% |
Net Margin % | 25.2% | 32.04% | 34.88% | 25.78% | 34.76% | 24.31% | 26.31% | 36.49% | 31.04% |
Net Income Growth % | 431.6% | 623.81% | 109.63% | 39.78% | 65.35% | -30.4% | 6.49% | 46.18% | -7.43% |
Net Income (Continuing) | 164.87M | 1.19B | 2.5B | 3.5B | 5.76B | 4.01B | 4.27B | 6.25B | 5.81B |
EPS (Diluted) | 1.12▲ 0% | -19.53▼ 1843.8% | 16.61▲ 185.0% | 21.53▲ 29.6% | 35.52▲ 65.0% | 25.42▼ 28.4% | 26.07▲ 2.6% | 41.90▲ 60.7% | 85.58▲ 104.2% |
EPS Growth % | 548% | -1843.75% | 185.05% | 29.62% | 64.98% | -28.43% | 2.56% | 60.72% | 104.25% |
EPS (Basic) | 1.12 | -19.53 | 17.30 | 22.19 | 37.18 | 26.17 | 26.71 | 42.62 | 87.40 |
Diluted Shares Outstanding | 143.83M | 101.38M | 150.47M | 153.33M | 160.7M | 161.01M | 164.25M | 151.72M | 68.04M |
QFIN Balance Sheet
Qfin Holdings, Inc. (QFIN) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 468.55M | 1.45B | 2.11B | 4.42B | 6.12B | 7.22B | 4.19B | 7.85B | 7.55B |
Cash & Due from Banks | 468.55M | 1.45B | 2.11B | 4.42B | 6.12B | 7.17B | 4.18B | 4.45B | 4.7B |
Short Term Investments | 0 | 0 | 0 | 0 | 0 | 57M | 15M | 3.39B | 2.85B |
Total Investments | 1.19B | 811.43M | 9.19B | 7.5B | 12.7B | 18.54B | 30.42B | 35.18B | 41.54B |
Investments Growth % | - | -31.94% | 1033.12% | -18.45% | 69.43% | 45.95% | 64.04% | 15.68% | 18.05% |
Long-Term Investments | 1.19B | 811.43M | 9.19B | 7.5B | 12.7B | 18.48B | 30.4B | 31.79B | 38.68B |
Accounts Receivables | 327.1M | 1.79B | 2.4B | 2.79B | 3.32B | 3.13B | 3.06B | 2.24B | 972.26M |
Goodwill & Intangibles | 262K | 847K | 3.51M | 3.4M | 1.02B | 1B | 1.03B | 1.01B | 1.02B |
Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 41.21M | 42.41M | 45.2M |
Intangible Assets | 262K | 847K | 3.51M | 3.4M | 1.02B | 1B | 990.9M | 968.56M | 977.25M |
PP&E (Net) | 5.99M | 6.87M | 17.11M | 19.36M | 24.94M | 47.6M | 231.22M | 362.77M | 636.99M |
Other Assets | 521.79M | 676.81M | 2.44B | 2.81B | 5.96B | 5.69B | 2.25B | 1.16B | 3.54B |
Total Current Assets | 1.3B | 5.85B | 8.01B | 12.66B | 12.96B | 14.1B | 10.84B | 12.6B | 11.69B |
Total Non-Current Assets | 1.8B | 1.5B | 12.35B | 11.73B | 20.55B | 26.25B | 34.98B | 35.53B | 45.26B |
Total Assets | 3.1B▲ 0% | 7.35B▲ 137.1% | 20.36B▲ 177.0% | 24.39B▲ 19.8% | 33.5B▲ 37.4% | 40.34B▲ 20.4% | 45.82B▲ 13.6% | 48.13B▲ 5.1% | 56.95B▲ 18.3% |
Asset Growth % | 3362.23% | 137.14% | 176.96% | 19.81% | 37.39% | 20.41% | 13.57% | 5.05% | 18.32% |
Return on Assets (ROA) | 10.34% | 22.84% | 18.06% | 15.63% | 19.97% | 10.9% | 9.95% | 13.34% | 11.04% |
Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total Debt | 0 | 0 | 221.02M | 215.33M | 423.36M | 180.7M | 827.73M | 1.4B | 3.82B |
Net Debt | -468.55M | -1.45B | -1.89B | -4.2B | -5.69B | -6.98B | -3.35B | -3.06B | -873.23M |
Long-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1.58B |
Short-Term Debt | 0 | 0 | 200M | 186.8M | 397.58M | 150M | 798.59M | 1.37B | 2.22B |
Other Liabilities | 2.32B | 2.56B | 12.61B | 14.31B | 8.17B | 7.7B | 7.53B | 5.26B | 5.09B |
Total Current Liabilities | 42.75M | 330.58M | 531.45M | 561.15M | 9.99B | 13.61B | 16.06B | 18.18B | 25.01B |
Total Non-Current Liabilities | 2.32B | 2.58B | 12.61B | 14.35B | 8.29B | 7.8B | 7.75B | 5.7B | 7.78B |
Total Liabilities | 2.37B | 2.91B | 13.14B | 14.91B | 18.29B | 21.41B | 23.81B | 23.89B | 32.79B |
Total Equity | 734.15M▲ 0% | 4.44B▲ 504.8% | 7.21B▲ 62.5% | 9.48B▲ 31.4% | 15.22B▲ 60.5% | 18.93B▲ 24.4% | 22.01B▲ 16.3% | 24.25B▲ 10.2% | 24.16B▼ 0.4% |
Equity Growth % | 3462.57% | 504.81% | 62.49% | 31.41% | 60.49% | 24.41% | 16.26% | 10.16% | -0.37% |
Equity / Assets (Capital Ratio) | 23.69% | 60.41% | 35.44% | 38.88% | 45.42% | 46.93% | 48.04% | 50.37% | 42.42% |
Return on Equity (ROE) | 46.29% | 46.12% | 42.93% | 41.89% | 46.82% | 23.57% | 20.93% | 27.09% | 23.96% |
Book Value per Share | 5.10 | 43.80 | 47.95 | 61.83 | 94.69 | 117.58 | 134.00 | 159.80 | 355.03 |
Tangible BV per Share | 5.10 | 43.79 | 47.92 | 61.81 | 88.32 | 111.35 | 127.71 | 153.14 | 340.00 |
Common Stock | 0 | 20K | 20K | 21K | 22K | 22K | 22K | 21K | 20K |
Additional Paid-in Capital | 0 | 4.87B | 5.12B | 5.42B | 5.67B | 6.1B | 6.06B | 4.34B | 3.87B |
Retained Earnings | 144.15M | -430.26M | 2.07B | 4.14B | 9.64B | 12.8B | 16.3B | 20.95B | 24.5B |
Accumulated OCI | 0 | 3.68M | 24.91M | -74.39M | -110.93M | -51.77M | -34.66M | 11.88M | -195.69M |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | -384.64M | -1.11B | -4.07B |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
QFIN Cash Flow Statement
Qfin Holdings, Inc. (QFIN) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | -110.97M | 285.12M | 2.97B | 5.33B | 5.79B | 5.92B | 7.12B | 9.34B | 11.08B |
Operating CF Growth % | 32.48% | 356.92% | 942.76% | 79.13% | 8.71% | 2.29% | 20.19% | 31.26% | 18.63% |
Net Income | 164.87M | 1.19B | 2.5B | 3.5B | 5.76B | 4.01B | 4.27B | 6.26B | 5.98B |
Depreciation & Amortization | 1.31M | 3.76M | 7.64M | 36.06M | 65.97M | 76.98M | 73.76M | 0 | 68.12M |
Deferred Taxes | 0 | 0 | 91.29M | 1.15B | 1.51B | 0 | 0 | 0 | 0 |
Other Non-Cash Items | 49.86M | 198.88M | 792.15M | 4.79B | 3.08B | 6.76B | 5.8B | 4.4B | 5.62B |
Working Capital Changes | -327M | -1.72B | -669.75M | -4.45B | -4.88B | -5.12B | -3.21B | -1.49B | -953.86M |
Cash from Investing | -1.2B | 327.65M | -8.86B | 892.77M | -6.06B | -7.36B | -11.15B | -7.99B | -13.08B |
Purchase of Investments | -2.77B | -4.94B | -26.34B | -38.72B | -40.17B | -80.73M | -269.21M | 0 | -10.12B |
Sale/Maturity of Investments | 1.57B | 5.28B | 17.5B | 39.63B | 34.13B | 17.89M | 303.3M | 0 | 10.45B |
Net Investment Activity | -1.2B | 336.2M | -8.83B | 908.04M | -6.04B | -62.84M | 34.09M | 0 | 337.51M |
Acquisitions | 0 | 0 | -336.2M | 8.83B | -1.46M | 3.35M | -26.24M | 0 | 0 |
Other Investing | 0 | 0 | 336.2M | -8.83B | 0 | -7.27B | -11.07B | -7.99B | -13.18B |
Cash from Financing | 2.27B | 457.43M | 7.71B | -3.28B | 2.26B | 3.2B | 1.07B | -2.11B | 2.78B |
Dividends Paid | 0 | 0 | 0 | 0 | 0 | -988.59M | -941.71M | -1.26B | -1.38B |
Share Repurchases | 0 | 0 | 0 | 0 | 0 | 0 | -636.18M | -2.97B | -4.85B |
Stock Issued | 575.16M | 327.24M | -4.82M | 0 | 0 | 254.92M | 0 | 0 | 0 |
Net Stock Activity | 575.16M | 327.24M | -4.82M | 0 | 0 | 254.92M | -636.18M | -2.97B | -4.85B |
Debt Issuance (Net) | 1000K | -1000K | 1000K | -1000K | 1000K | -1000K | 1000K | 1000K | 1000K |
Other Financing | 1.03B | -523.57M | 7.51B | -3.27B | 1.77B | 4.31B | 1.92B | 1.39B | 5.94B |
Net Change in Cash | 950.26M▲ 0% | 1.06B▲ 11.3% | 1.82B▲ 72.4% | 2.94B▲ 61.3% | 1.99B▼ 32.4% | 1.75B▼ 11.7% | -2.95B▼ 268.5% | -753.2M▲ 74.5% | 735.12M▲ 197.6% |
Exchange Rate Effect | 0 | -13.03M | 1.76M | 2.24M | -3.41M | -18.19M | 9.62M | 12.04M | -50.45M |
Cash at Beginning | 6.17M | 956.43M | 2.01B | 3.84B | 6.77B | 8.76B | 10.51B | 7.56B | 6.81B |
Cash at End | 956.43M | 2.01B | 3.84B | 6.77B | 8.76B | 10.51B | 7.56B | 6.81B | 7.54B |
Interest Paid | 0 | 0 | 65.78M | 5.73M | 13.76M | 10.86M | 12.87M | 18.59M | 34.18M |
Income Taxes Paid | 464K | 58.33M | 557.29M | 741.49M | 1.21B | 904.95M | 852.56M | 1.26B | 1.61B |
Free Cash Flow | -118.08M▲ 0% | 276.56M▲ 334.2% | 2.95B▲ 965.8% | 5.31B▲ 80.2% | 5.76B▲ 8.5% | 5.9B▲ 2.3% | 7.03B▲ 19.3% | 9.19B▲ 30.7% | 10.84B▲ 18.0% |
FCF Growth % | 30.58% | 334.21% | 965.76% | 80.17% | 8.55% | 2.28% | 19.31% | 30.66% | 17.99% |
QFIN Banking Ratios
Qfin Holdings, Inc. (QFIN) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | - | 46.29% | 46.12% | 42.93% | 41.89% | 46.82% | 23.57% | 20.93% | 27.09% | 23.96% |
Return on Assets (ROA) | -55.54% | 10.34% | 22.84% | 18.06% | 15.63% | 19.97% | 10.9% | 9.95% | 13.34% | 11.04% |
Net Interest Margin | 0.01% | 1.26% | 2.81% | 6.23% | 9.27% | 6.9% | 9.1% | 11.63% | 14.28% | 14.64% |
Efficiency Ratio | 1032.75% | 57.61% | 48.63% | 45.73% | 48.41% | 36.37% | 43.65% | 34.32% | 17.92% | 47.65% |
Equity / Assets | -24.39% | 23.69% | 60.41% | 35.44% | 38.88% | 45.42% | 46.93% | 48.04% | 50.37% | 42.42% |
Book Value / Share | -0.11 | 5.1 | 43.8 | 47.95 | 61.83 | 94.69 | 117.58 | 134 | 159.8 | 355.03 |
NII Growth | - | 540886.11% | 429.52% | 514.73% | 78.35% | 2.17% | 58.86% | 45.15% | 29.03% | 21.27% |
Dividend Payout | - | - | - | - | - | - | 24.57% | 21.98% | 20.16% | 23.76% |
Related:QFIN Dividend History·QFIN Revenue History·QFIN Price History·QFIN P/E History·QFIN Financial Ratios·QFIN Institutional Holders
QFIN Frequently Asked Questions
Qfin Holdings, Inc. (QFIN) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Qfin Holdings, Inc. (QFIN) grew revenue by 8.8% over the past year. This is steady growth.
Yes, Qfin Holdings, Inc. (QFIN) is profitable, generating $5.97B in net income for fiscal year 2025 (31.0% net margin).
Dividend & Returns
Yes, Qfin Holdings, Inc. (QFIN) pays a dividend with a yield of 19.69%. This makes it attractive for income-focused investors.
Qfin Holdings, Inc. (QFIN) has a return on equity (ROE) of 24.0%. This is excellent, indicating efficient use of shareholder capital.
Industry Metrics
Qfin Holdings, Inc. (QFIN) has a net interest margin (NIM) of 14.6%. This indicates healthy earnings from lending activities.
Qfin Holdings, Inc. (QFIN) has an efficiency ratio of 47.7%. This is excellent, indicating strong cost control.