Last 33 quarters of trend data · Financial Services · Financial - Credit Services
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Qfin Holdings, Inc.'s quarterly P/E stands at 0.7x, up 7.0% year-over-year. EV/EBITDA has expanded 316.8% YoY to 0.5x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 2.14 | 0.67 | 0.86 | 0.89 | 0.71 | 0.63 | 0.55 | 0.63 | 0.59 | 0.55 | 0.63 | 0.86 | 0.98 |
| — | +7.0% | +55.8% | +43.0% | +21.6% | +14.1% | -13.0% | -27.3% | -39.8% | +9.9% | -8.6% | +64.7% | +39.9% | |
| P/S Ratio | 1.49 | 0.18 | 0.34 | 0.39 | 0.31 | 0.25 | 0.18 | 0.18 | 0.14 | 0.15 | 0.22 | 0.28 | 0.25 |
| — | -27.2% | +85.5% | +123.0% | +117.8% | +71.1% | -15.7% | -37.8% | -43.7% | -6.4% | +11.5% | +64.5% | +4.2% | |
| P/B Ratio | 0.56 | 0.16 | 0.24 | 0.28 | 0.23 | 0.19 | 0.13 | 0.13 | 0.12 | 0.12 | 0.14 | 0.16 | 0.17 |
| — | -18.3% | +81.2% | +108.8% | +97.2% | +61.1% | -1.5% | -18.5% | -33.3% | +3.9% | -15.8% | +6.7% | -28.1% | |
| P/FCF | 2.78 | 0.38 | 0.56 | 0.57 | 0.48 | 0.47 | 0.39 | 0.38 | 0.28 | 0.51 | 0.41 | 0.46 | 0.46 |
| — | -17.8% | +44.4% | +52.1% | +69.9% | -8.4% | -4.1% | -17.7% | -39.2% | +56.1% | -34.4% | +4.9% | +0.4% | |
| EV / EBITDA | 2.99 | 0.53 | 0.80 | 0.45 | 0.36 | 0.13 | -0.28 | -0.30 | -0.13 | -0.29 | -0.39 | -0.40 | -0.89 |
| — | +316.8% | +387.1% | +246.8% | +371.3% | +143.2% | +29.0% | +24.2% | +85.1% | +69.5% | +49.6% | +28.6% | -173.8% | |
| EV / EBIT | 3.02 | 0.37 | 0.80 | 0.45 | 0.31 | 0.12 | -0.31 | -0.25 | -0.08 | -0.19 | -0.39 | -0.40 | -0.91 |
| — | +195.9% | +353.9% | +278.5% | +474.0% | +166.7% | +19.7% | +37.7% | +90.8% | +80.6% | +49.6% | +28.6% | -178.8% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Qfin Holdings, Inc.'s operating margin was 32.7% in Q3 2025, down 17.5 pp QoQ and down 19.7 pp YoY. This marks the 3rd consecutive quarter of margin compression, signaling a persistent pressure on profitability that investors should monitor. The trailing four-quarter average of 44.9% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind. Gross margin contracted 4.5% YoY, suggesting cost inflation or competitive pricing pressure.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 61.8% | 65.0% | 78.7% | 78.0% | 66.0% | 68.0% | 56.7% | 55.7% | 62.6% | 67.4% | 81.4% | 81.7% | 79.6% |
| — | -4.5% | +39.0% | +40.0% | +5.4% | +1.0% | -30.4% | -31.8% | -21.3% | -27.2% | -5.9% | -3.6% | -12.8% | |
| Operating Margin | 43.9% | 32.7% | 50.2% | 54.7% | 42.2% | 52.4% | 47.7% | 32.8% | 28.5% | 32.4% | 41.6% | 39.0% | 31.4% |
| — | -37.7% | +5.2% | +66.5% | +48.2% | +61.5% | +14.8% | -15.8% | -9.4% | -9.0% | +27.6% | +0.2% | -22.6% | |
| Net Margin | 36.5% | 27.6% | 40.1% | 44.3% | 42.8% | 41.3% | 33.2% | 28.0% | 24.7% | 26.7% | 33.4% | 33.1% | 26.7% |
| — | -33.1% | +20.7% | +58.2% | +72.9% | +54.6% | -0.6% | -15.2% | -7.4% | -11.7% | +20.8% | +0.1% | -23.2% |
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 27.1% | 5.9% | 7.3% | 7.6% | 8.1% | 7.9% | 6.2% | 5.3% | 5.2% | 5.4% | 5.4% | 4.8% | 4.7% |
| — | -25.1% | +19.1% | +44.1% | +57.7% | +45.7% | +14.1% | +9.1% | +9.1% | -4.1% | -8.4% | -35.7% | -47.6% | |
| ROA | 13.3% | 2.4% | 3.0% | 3.5% | 4.0% | 3.8% | 2.9% | 2.5% | 2.4% | 2.6% | 2.6% | 2.3% | 2.2% |
| — | -38.2% | +2.8% | +38.9% | +66.5% | +50.3% | +12.3% | +8.6% | +11.5% | -0.2% | -2.3% | -32.4% | -47.1% | |
| ROIC | 23.1% | 4.2% | 5.5% | 6.0% | 5.7% | 7.2% | 6.4% | 4.5% | 4.3% | 4.8% | 5.0% | 4.2% | 4.1% |
| — | -42.1% | -14.7% | +35.1% | +32.9% | +48.9% | +28.1% | +5.6% | +5.2% | -0.1% | -0.8% | -34.2% | -47.0% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Qfin Holdings, Inc.'s Debt/EBITDA ratio is 3.7x, up from 2.9x last quarter — at a moderate level that warrants monitoring. The current ratio has weakened 92.6% YoY to 2.94x, tightening the short-term liquidity position. Debt/Equity has declined for 3 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.07 | 0.26 | 0.26 | 0.27 | 0.07 | 0.05 | 0.05 | 0.03 | 0.04 | 0.04 | 0.01 | 0.01 | 0.01 |
| — | +471.3% | +460.6% | +758.9% | +61.2% | +27.3% | +275.7% | +306.2% | +263.3% | +0.6% | -65.3% | -79.0% | -58.2% | |
| Debt / EBITDA | 0.22 | 3.68 | 2.91 | 2.76 | 0.87 | 0.45 | 0.53 | 0.49 | 0.72 | 0.54 | 0.19 | 0.14 | 0.21 |
| — | +714.0% | +450.8% | +458.4% | +20.8% | -15.8% | +177.7% | +263.4% | +239.5% | -1.7% | -64.0% | -67.7% | -23.1% | |
| Current Ratio | 2.45 | 2.94 | 10.22 | 12.46 | 2.45 | 39.93 | 11.77 | 17.35 | 2.24 | 3.84 | 6.62 | 6.86 | 104.07 |
| — | -92.6% | -13.2% | -28.2% | +9.1% | +940.9% | +77.8% | +153.1% | -97.8% | -33.8% | +7.2% | +20.4% | +756.9% | |
| Quick Ratio | 2.45 | 2.94 | 10.22 | 12.46 | 2.45 | 39.93 | 11.77 | 17.35 | 2.24 | 3.84 | 6.62 | 6.86 | 104.07 |
| — | -92.6% | -13.2% | -28.2% | +9.1% | +940.9% | +77.8% | +153.1% | -97.8% | -33.8% | +7.2% | +20.4% | +756.9% | |
| Interest Coverage | — | — | — | — | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 33 years · Updated daily
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Qfin Holdings, Inc.'s current P/E is 2.1x. The average P/E over the last 4 quarters is 0.8x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Qfin Holdings, Inc.'s current operating margin is 43.9%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Qfin Holdings, Inc.'s business trajectory between earnings reports.