Qfin Holdings Income Statement

Financials in millions CNY. Fiscal year is January - December.

Millions CNY. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Revenue	10,636	10,529	11,180	13,066	14,452
Other Revenue	8,569	6,637	5,110	3,488	2,184
Revenue	19,205	17,166	16,290	16,554	16,636
Revenue Growth (YoY)	11.88%	5.38%	-1.59%	-0.49%	22.65%
Cost of Revenue	7,411	6,562	5,842	4,856	3,799
Gross Profit	11,794	10,604	10,448	11,698	12,837
Selling, General & Admin	3,129	2,175	2,361	2,620	2,648
Operating Expenses	3,448	2,597	2,537	2,858	2,972
Operating Income	8,346	8,007	7,911	8,840	9,864
Interest & Investment Income	278.63	237.02	217.31	182.3	136.37
Currency Exchange Gain (Loss)	159.57	1.51	2.36	-160.23	35.55
Other Non Operating Income (Expenses)	-1,678	-353.08	-2,823	-4,100	-3,014
EBT Excluding Unusual Items	7,106	7,892	5,308	4,762	7,023
Gain (Loss) on Sale of Investments	-	-	-30.11	-19.89	-
Other Unusual Items	270.14	-	-	-	-
Pretax Income	7,376	7,892	5,277	4,742	7,023
Income Tax Expense	1,400	1,644	1,009	736.8	1,258
Earnings From Continuing Operations	5,976	6,248	4,269	4,006	5,765
Minority Interest in Earnings	14.05	16.2	16.76	18.61	17.21
Net Income	5,990	6,264	4,285	4,024	5,782
Net Income to Common	5,990	6,264	4,285	4,024	5,782
Net Income Growth	-4.38%	46.18%	6.49%	-30.40%	65.35%
Shares Outstanding (Basic)	133	149	160	156	154
Shares Outstanding (Diluted)	136	152	164	161	161
Shares Change (YoY)	-10.31%	-7.63%	2.02%	0.19%	4.80%
EPS (Basic)	44.95	42.04	26.72	25.75	37.63
EPS (Diluted)	44.02	41.28	26.08	25.00	35.98
EPS Growth	6.64%	58.28%	4.32%	-30.52%	57.81%
Free Cash Flow	11,084	9,190	7,034	5,896	5,764
Free Cash Flow Per Share	81.45	60.57	42.82	36.62	35.87
Dividend Per Share	9.792	9.489	7.658	4.966	3.430
Dividend Growth	3.20%	23.90%	54.21%	44.76%	-
Gross Margin	61.41%	61.77%	64.13%	70.67%	77.16%
Operating Margin	43.46%	46.64%	48.56%	53.40%	59.30%
Profit Margin	31.19%	36.49%	26.31%	24.31%	34.76%
Free Cash Flow Margin	57.71%	53.54%	43.18%	35.61%	34.65%
EBITDA	8,421	8,082	7,985	8,917	9,930
EBITDA Margin	43.85%	47.08%	49.02%	53.87%	59.69%
D&A For EBITDA	74.89	74.89	73.76	76.98	65.97
EBIT	8,346	8,007	7,911	8,840	9,864
EBIT Margin	43.46%	46.64%	48.56%	53.40%	59.30%
Effective Tax Rate	18.99%	20.83%	19.12%	15.54%	17.92%
Revenue as Reported	19,205	17,166	16,290	16,554	16,636

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Standard template. Financial Sources.