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Qfin Holdings, Inc. (QFIN)
NASDAQ: QFIN · Real-Time Price · USD
8.38
-0.28 (-3.23%)
At close: Sep 1, 2026, 4:00 PM EDT
8.50
+0.12 (1.43%)
Pre-market: Sep 2, 2026, 8:28 AM EDT

Qfin Holdings Financials Overview

Millions CNY. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
16,77419,20517,16616,29016,55416,636
Revenue Growth
-10.58%11.88%5.38%-1.59%-0.49%22.65%
Gross Profit
8,87211,79410,60410,44811,69812,837
Operating Income
5,9108,3468,0077,9118,8409,864
Net Income
3,7455,9906,2644,2854,0245,782
Earnings Per Share
29.3644.0241.2826.0825.0035.98
EPS Growth
-41.96%6.64%58.28%4.32%-30.52%57.81%

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
6,8157,5497,8464,1937,2236,116
Total Debt
3,5564,3011,652930.2220.22436.53
Net Cash (Debt)
3,2583,2486,1943,2637,0025,680
Net Cash Growth
-2.58%-47.57%89.85%-53.41%23.29%35.62%
Net Cash Per Share
25.5523.8740.8219.8643.4935.34

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
8,83911,0849,3437,1185,9235,790
Capital Expenditures
-240.54-240.54-153.15-84.55-26.97-25.31
Free Cash Flow
8,59810,8439,1907,0345,8965,764
Free Cash Flow Growth
-19.63%17.99%30.66%19.31%2.27%8.55%

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Gross Margin
52.89%61.41%61.77%64.13%70.67%77.16%
Operating Margin
35.23%43.46%46.64%48.56%53.40%59.30%
Pretax Margin
31.10%38.41%45.98%32.40%28.65%42.21%
Profit Margin
22.32%31.19%36.49%26.31%24.31%34.76%
FCF Margin
51.26%56.46%53.54%43.18%35.61%34.65%

Dividends
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
1.22010.7719.4897.6584.9663.430
Dividend Per Share Growth
-15.28%13.52%23.90%54.21%44.76%-
Dividend Yield
14.56%8.46%3.75%7.95%4.29%3.00%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
1.942.936.944.234.923.89
Forward PE
2.823.116.133.694.533.86
P/FCF Ratio
0.801.624.732.583.363.91
PS Ratio
0.410.912.531.111.201.35