| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| QDQudian Inc. | 304.91M | 3.00 | 6.12 | 71.31% | 42.38% | 4.56% | 0.07 | |
| NISNNisun International Enterprise Development Group Co., Ltd | 5.73M | 1.20 | 5.20 | -12.17% | 0.27% | 8.76% | 0.04 | |
| LULufax Holding Ltd | 2.25B | 2.60 | 0.84 | -39.62% | 2.13% | -3.92% | 100% | 0.48 |
| FINVFinVolution Group | 736.79M | 5.26 | 0.58 | 3.69% | 18.24% | 16.74% | 100% | 0.00 |
| LXLexinFintech Holdings Ltd. | 415.01M | 3.13 | 0.48 | 8.78% | 7.75% | 13.91% | 100% | 0.49 |
| QFINQfin Holdings, Inc. | 2.2B | 16.89 | 0.20 | 5.38% | 36.49% | 28.34% | 100% | 0.07 |
| YRDYiren Digital Ltd. | 343.9M | 3.98 | 0.11 | 18.59% | 27.25% | 12.13% | 100% | 0.00 |
| XYFX Financial | 136.82M | 6.00 | 0.03 | 79.16% | 26.23% | 22.61% | 100% | 0.05 |
| Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 0 | 38.95M | 206.25M | 1.27B | 2.26B | 2.31B | 3.67B | 5.33B | 6.87B |
| NII Growth % | - | - | 4.3% | 5.15% | 0.78% | 0.02% | 0.59% | 0.45% | 0.29% |
| Net Interest Margin % | - | - | - | - | - | - | - | - | - |
| Interest Income | 7.2K | 53.39M | 277.87M | 1.31B | 2.26B | 2.31B | 3.67B | 5.33B | 6.87B |
| Interest Expense | 0 | 14.44M | 71.62M | 41.71M | 0 | 0 | 0 | 0 | 0 |
| Loan Loss Provision | 31.63M | 49.86M | 182.17M | 883.45M | 3.21B | 3.8B | 4.86B | 5.84B | 6.56B |
| Non-Interest Income | 3.97M | 600.94M | 3.45B | 5.86B | 11.3B | 14.33B | 12.88B | 10.96B | 10.29B |
| Non-Interest Income % | - | - | - | - | - | - | - | - | - |
| Total Revenue | 3.98M | 654.33M | 3.72B | 7.17B | 13.56B | 16.64B | 16.55B | 16.29B | 17.17B |
| Revenue Growth % | - | 163.44% | 4.69% | 0.93% | 0.89% | 0.23% | -0% | -0.02% | 0.05% |
| Non-Interest Expense | 41.1M | 376.99M | 1.81B | 3.28B | 6.57B | 6.05B | 7.23B | 5.59B | 3.08B |
| Efficiency Ratio | - | - | - | - | - | - | - | - | - |
| Operating Income | -68.74M | 213.04M | 1.66B | 2.97B | 3.79B | 6.79B | 4.47B | 4.86B | 7.53B |
| Operating Margin % | - | - | - | - | - | - | - | - | - |
| Operating Income Growth % | - | 4.1% | 6.79% | 0.79% | 0.28% | 0.79% | -0.34% | 0.09% | 0.55% |
| Pretax Income | -68.74M | 213.04M | 1.66B | 2.97B | 4.08B | 7.02B | 4.74B | 5.28B | 7.89B |
| Pretax Margin % | - | - | - | - | - | - | - | - | - |
| Income Tax | -19.02M | 48.18M | 466.36M | 465.98M | 586.04M | 1.26B | 736.8M | 1.01B | 1.64B |
| Effective Tax Rate % | - | - | - | - | - | - | - | - | - |
| Net Income | -49.72M | 164.87M | 1.19B | 2.5B | 3.5B | 5.78B | 4.02B | 4.29B | 6.26B |
| Net Margin % | - | - | - | - | - | - | - | - | - |
| Net Income Growth % | - | 4.32% | 6.24% | 1.1% | 0.4% | 0.65% | -0.3% | 0.06% | 0.46% |
| Net Income (Continuing) | -49.72M | 164.87M | 1.19B | 2.5B | 3.5B | 5.76B | 4.01B | 4.27B | 6.25B |
| EPS (Diluted) | -0.50 | -1.68 | 11.77 | 16.64 | 22.80 | 71.96 | 50.00 | 52.16 | 82.56 |
| EPS Growth % | - | -2.36% | 8.01% | 0.41% | 0.37% | 2.16% | -0.31% | 0.04% | 0.58% |
| EPS (Basic) | -0.50 | -1.68 | 11.77 | 16.62 | 23.46 | 75.28 | 51.48 | 53.44 | 84.08 |
| Diluted Shares Outstanding | 99.17M | 99.32M | 101.38M | 150.47M | 153.33M | 160.7M | 161.01M | 164.25M | 151.72M |
| Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Cash & Due from Banks | 6.17M | 468.55M | 1.45B | 2.11B | 4.42B | 6.12B | 7.17B | 4.18B | 4.45B |
| Short Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 1000K | 1000K | 1000K |
| Total Investments | 0 | 1.19B | 811.43M | 9.19B | 7.5B | 12.7B | 114M | 30M | 6.79B |
| Investments Growth % | - | - | -0.32% | 10.33% | -0.18% | 0.69% | -0.99% | -0.74% | 225.27% |
| Long-Term Investments | 0 | 1.19B | 811.43M | 9.19B | 7.5B | 12.7B | 57M | 15M | 3.39B |
| Accounts Receivables | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Goodwill & Intangibles | - | - | - | - | - | - | - | - | - |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 41.21M | 42.41M |
| Intangible Assets | 208K | 262K | 847K | 3.51M | 3.4M | 1.02B | 1B | 990.9M | 968.56M |
| PP&E (Net) | 1.98M | 5.99M | 6.87M | 17.11M | 19.36M | 24.94M | 47.6M | 276.61M | 362.77M |
| Other Assets | 0 | 521.79M | 676.81M | 2.44B | 2.81B | 3.07B | -1.02B | 4.67B | 584.23M |
| Total Current Assets | 79.03M | 1.3B | 5.85B | 8.01B | 12.66B | 15.85B | 15.61B | 44.67B | 42.78B |
| Total Non-Current Assets | 10.49M | 1.8B | 1.5B | 12.35B | 11.73B | 17.66B | 1.11B | 6.02B | 5.35B |
| Total Assets | 89.52M | 3.1B | 7.35B | 20.36B | 24.39B | 33.5B | 40.34B | 45.82B | 48.13B |
| Asset Growth % | - | 33.62% | 1.37% | 1.77% | 0.2% | 0.37% | 0.2% | 0.14% | 0.05% |
| Return on Assets (ROA) | -0.56% | 0.1% | 0.23% | 0.18% | 0.16% | 0.2% | 0.11% | 0.1% | 0.13% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 0 | 0 | 0 | 221.02M | 215.33M | 423.36M | 220.22M | 930.2M | 1.65B |
| Net Debt | -6.17M | -468.55M | -1.45B | -1.89B | -4.2B | -5.69B | -7.02B | -3.25B | -2.8B |
| Long-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 17.85M | 90.62M | 247.46M |
| Short-Term Debt | 0 | 0 | 0 | 200M | 186.8M | 397.58M | 150M | 798.59M | 1.37B |
| Other Liabilities | 103.2M | 2.32B | 2.56B | 12.61B | 14.31B | 16.86B | 4.62B | 3.81B | 6.16B |
| Total Current Liabilities | 8.15M | 42.75M | 330.58M | 531.45M | 561.15M | 1.3B | 150M | 34.2B | 17.47B |
| Total Non-Current Liabilities | 103.2M | 2.32B | 2.58B | 12.61B | 14.35B | 16.98B | 4.66B | 3.91B | 6.41B |
| Total Liabilities | 111.35M | 2.37B | 2.91B | 13.14B | 14.91B | 18.29B | 21.41B | 23.81B | 23.89B |
| Total Equity | -21.83M | 734.15M | 4.44B | 7.21B | 9.48B | 15.22B | 18.93B | 22.01B | 24.25B |
| Equity Growth % | - | 34.63% | 5.05% | 0.62% | 0.31% | 0.6% | 0.24% | 0.16% | 0.1% |
| Equity / Assets (Capital Ratio) | - | - | - | - | - | - | - | - | - |
| Return on Equity (ROE) | - | 0.46% | 0.46% | 0.43% | 0.42% | 0.47% | 0.24% | 0.21% | 0.27% |
| Book Value per Share | -0.22 | 7.39 | 43.80 | 47.95 | 61.83 | 94.69 | 117.58 | 134.00 | 159.80 |
| Tangible BV per Share | - | - | - | - | - | - | - | - | - |
| Common Stock | 0 | 0 | 20K | 20K | 21K | 22K | 22K | 22K | 21K |
| Additional Paid-in Capital | 0 | 0 | 4.87B | 5.12B | 5.42B | 5.67B | 6.1B | 6.06B | 4.34B |
| Retained Earnings | -21.83M | 144.15M | -430.26M | 2.07B | 4.14B | 9.64B | 12.8B | 16.3B | 20.95B |
| Accumulated OCI | 0 | 0 | 3.68M | 24.91M | -74.39M | -110.93M | -51.77M | -34.66M | 11.88M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -384.64M | -1.11B |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | -164.37M | -110.97M | 285.12M | 2.97B | 5.33B | 5.79B | 5.92B | 7.12B | 9.34B |
| Operating CF Growth % | - | 0.32% | 3.57% | 9.43% | 0.79% | 0.09% | 0.02% | 0.2% | 0.31% |
| Net Income | -49.72M | 164.87M | 1.19B | 2.5B | 3.5B | 5.76B | 4.01B | 4.27B | 6.26B |
| Depreciation & Amortization | 482.4K | 1.31M | 3.76M | 7.64M | 36.06M | 65.97M | 76.98M | 73.76M | 0 |
| Deferred Taxes | 0 | 0 | 0 | 91.29M | 1.15B | 1.51B | 0 | 0 | 0 |
| Other Non-Cash Items | -18.76M | 49.86M | 198.88M | 792.15M | 4.79B | 3.08B | 6.76B | 5.8B | 4.4B |
| Working Capital Changes | -96.37M | -327M | -1.72B | -669.75M | -4.45B | -4.88B | -5.12B | -3.21B | -1.49B |
| Cash from Investing | -5.74M | -1.2B | 327.65M | -8.86B | 892.77M | -6.06B | -7.36B | -11.15B | -7.99B |
| Purchase of Investments | 0 | -2.77B | -4.94B | -26.34B | -38.72B | -40.17B | -80.73M | -269.21M | 0 |
| Sale/Maturity of Investments | 0 | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 0 |
| Net Investment Activity | - | - | - | - | - | - | - | - | - |
| Acquisitions | 0 | 0 | 0 | -336.2M | 8.83B | -1.46M | 3.35M | -26.24M | 0 |
| Other Investing | 0 | 0 | 0 | 336.2M | -8.83B | 0 | -7.27B | -11.07B | -7.99B |
| Cash from Financing | 184.92M | 2.27B | 457.43M | 7.71B | -3.28B | 2.26B | 3.2B | 1.07B | -2.11B |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | -988.59M | -941.71M | -1.26B |
| Share Repurchases | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -636.18M | -2.97B |
| Stock Issued | 0 | 0 | 327.24M | 0 | 0 | 0 | 254.92M | 0 | 0 |
| Net Stock Activity | - | - | - | - | - | - | - | - | - |
| Debt Issuance (Net) | 0 | 1000K | -1000K | 1000K | -1000K | 1000K | -1000K | 1000K | 1000K |
| Other Financing | 184.92M | 1.6B | -523.57M | 7.51B | -3.27B | 1.77B | 4.31B | 1.92B | 1.39B |
| Net Change in Cash | 14.82M | 950.26M | 1.06B | 1.82B | 2.94B | 1.99B | 1.75B | -2.95B | -753.2M |
| Exchange Rate Effect | 0 | 0 | -1000K | 1000K | 1000K | -1000K | -1000K | 1000K | 1000K |
| Cash at Beginning | 0 | 6.17M | 956.43M | 2.01B | 3.84B | 6.77B | 8.76B | 10.51B | 7.56B |
| Cash at End | 14.82M | 956.43M | 2.01B | 3.84B | 6.77B | 8.76B | 10.51B | 7.56B | 6.81B |
| Interest Paid | 0 | 0 | 0 | 65.78M | 5.73M | 13.76M | 10.86M | 12.87M | 18.59M |
| Income Taxes Paid | 0 | 464K | 58.33M | 557.29M | 741.49M | 1.21B | 904.95M | 852.56M | 1.26B |
| Free Cash Flow | -170.1M | -118.08M | 276.56M | 2.95B | 5.31B | 5.76B | 5.9B | 7.03B | 9.19B |
| FCF Growth % | - | 0.31% | 3.34% | 9.66% | 0.8% | 0.09% | 0.02% | 0.19% | 0.31% |
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | - | 46.29% | 46.12% | 42.93% | 41.89% | 46.82% | 23.57% | 20.93% | 27.09% |
| Return on Assets (ROA) | -55.54% | 10.34% | 22.84% | 18.06% | 15.63% | 19.97% | 10.9% | 9.95% | 13.34% |
| Net Interest Margin | 0% | 1.26% | 2.81% | 6.23% | 9.27% | 6.9% | 9.1% | 11.63% | 14.28% |
| Efficiency Ratio | 1032.75% | 57.61% | 48.63% | 45.73% | 48.41% | 36.37% | 43.65% | 34.32% | 17.92% |
| Equity / Assets | -24.39% | 23.69% | 60.41% | 35.44% | 38.88% | 45.42% | 46.93% | 48.04% | 50.37% |
| Book Value / Share | -0.22 | 7.39 | 43.8 | 47.95 | 61.83 | 94.69 | 117.58 | 134 | 159.8 |
| NII Growth | - | - | 429.52% | 514.73% | 78.35% | 2.17% | 58.86% | 45.15% | 29.03% |
| Dividend Payout | - | - | - | - | - | - | 24.57% | 21.98% | 20.16% |
| 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | |
|---|---|---|---|---|---|---|---|
| Credit driven services | - | - | - | 10.19B | 11.59B | 11.74B | 11.72B |
| Credit driven services Growth | - | - | - | - | 13.71% | 1.31% | -0.17% |
| Financial Service | - | 1.31B | 2.18B | - | - | - | 6.64B |
| Financial Service Growth | - | - | 66.78% | - | - | - | - |
| Platform services | - | - | - | 6.45B | 4.97B | 4.55B | 5.45B |
| Platform services Growth | - | - | - | - | -22.94% | -8.38% | 19.67% |
| Revenue From Loan Facilitation Services Under Fees Capital Light | - | 672.98M | 1.42B | 4.48B | 2.66B | 2.1B | 1.25B |
| Revenue From Loan Facilitation Services Under Fees Capital Light Growth | - | - | 110.51% | 216.55% | -40.76% | -21.10% | -40.53% |
| Revenue from Loan Facilitation Services Under Fees Capital Light | - | - | - | 1.19B | 1.47B | 1.12B | 870.26M |
| Revenue from Loan Facilitation Services Under Fees Capital Light Growth | - | - | - | - | 23.04% | -23.86% | -22.15% |
| Revenue from post-facilitation services | - | - | - | 1.4B | 644.31M | 585.42M | 377.7M |
| Revenue from post-facilitation services Growth | - | - | - | - | -53.95% | -9.14% | -35.48% |
| Other services fees. | - | - | - | 95.88M | 112.73M | 215.62M | 370.99M |
| Other services fees. Growth | - | - | - | - | 17.58% | 91.27% | 72.05% |
| Financing income | - | - | - | 2.18B | 3.49B | 5.11B | - |
| Financing income Growth | - | - | - | - | 59.70% | 46.50% | - |
| Loan facilitation and servicing fees-capital light | - | - | - | 2.16B | 4.12B | - | - |
| Loan facilitation and servicing fees-capital light Growth | - | - | - | - | 90.88% | - | - |
| Loan facilitation and servicing fees-capital heavy | - | - | - | 93K | 2.09B | - | - |
| Loan facilitation and servicing fees-capital heavy Growth | - | - | - | - | 2243355.91% | - | - |
| Other services fees | - | - | - | 8.57M | 281.58M | - | - |
| Other services fees Growth | - | - | - | - | 3185.28% | - | - |
| Releasing of guarantee liabilities | - | - | - | 5.58B | - | - | - |
| Releasing of guarantee liabilities Growth | - | - | - | - | - | - | - |
| Revenue from post-origination services | - | - | - | 926.72M | - | - | - |
| Revenue from post-origination services Growth | - | - | - | - | - | - | - |
| Referral services | - | - | - | 7.67M | - | - | - |
| Referral services Growth | - | - | - | - | - | - | - |
| Credit Risk Taking Model | - | 8.01B | 11.4B | - | - | - | - |
| Credit Risk Taking Model Growth | - | - | 42.31% | - | - | - | - |
| Releasing Of Guarantee Liabilities | - | 285.41M | 4.51B | - | - | - | - |
| Releasing Of Guarantee Liabilities Growth | - | - | 1479.13% | - | - | - | - |
| Revenue From Loan Facilitation Services Under Fees Risk Taking | - | 4.4B | 3.16B | - | - | - | - |
| Revenue From Loan Facilitation Services Under Fees Risk Taking Growth | - | - | -28.11% | - | - | - | - |
| Platform Service | - | 1.21B | 2.16B | - | - | - | - |
| Platform Service Growth | - | - | 79.06% | - | - | - | - |
| Revenue From Post Origination Services Under Fees Risk Taking | - | 1.88B | 1.44B | - | - | - | - |
| Revenue From Post Origination Services Under Fees Risk Taking Growth | - | - | -23.48% | - | - | - | - |
| Revenue From Post Origination Services Under Fees Capital Light | - | 141.6M | 409.94M | - | - | - | - |
| Revenue From Post Origination Services Under Fees Capital Light Growth | - | - | 189.51% | - | - | - | - |
| Loan Facilitation And Servicing Fees Capital Light | - | 48.75M | 214.3M | - | - | - | - |
| Loan Facilitation And Servicing Fees Capital Light Growth | - | - | 339.61% | - | - | - | - |
| Loan Facilitation And Servicing Fees Risk Taking | - | 791.48M | 121.93M | - | - | - | - |
| Loan Facilitation And Servicing Fees Risk Taking Growth | - | - | -84.59% | - | - | - | - |
| Other Services Risk Taking | - | 145.24M | 116M | - | - | - | - |
| Other Services Risk Taking Growth | - | - | -20.13% | - | - | - | - |
| Other Services Risk Free Model | - | 16.32M | 68.33M | - | - | - | - |
| Other Services Risk Free Model Growth | - | - | 318.56% | - | - | - | - |
| Referral Services | - | 197.02M | 10.15M | - | - | - | - |
| Referral Services Growth | - | - | -94.85% | - | - | - | - |
| Loan Facilitation Service | 263.85M | - | - | - | - | - | - |
| Loan Facilitation Service Growth | - | - | - | - | - | - | - |
| Post Origination Service | 41.71M | - | - | - | - | - | - |
| Post Origination Service Growth | - | - | - | - | - | - | - |
Qfin Holdings, Inc. (QFIN) has a price-to-earnings (P/E) ratio of 0.2x. This may indicate the stock is undervalued or faces growth challenges.
Qfin Holdings, Inc. (QFIN) grew revenue by 5.4% over the past year. This is steady growth.
Yes, Qfin Holdings, Inc. (QFIN) is profitable, generating $6.89B in net income for fiscal year 2024 (36.5% net margin).
Yes, Qfin Holdings, Inc. (QFIN) pays a dividend with a yield of 49.28%. This makes it attractive for income-focused investors.
Qfin Holdings, Inc. (QFIN) has a return on equity (ROE) of 27.1%. This is excellent, indicating efficient use of shareholder capital.
Qfin Holdings, Inc. (QFIN) has a net interest margin (NIM) of 14.3%. This indicates healthy earnings from lending activities.
Qfin Holdings, Inc. (QFIN) has an efficiency ratio of 17.9%. This is excellent, indicating strong cost control.