Qfin Holdings Income Statement

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

Millions CNY. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Operating Revenue	11,564	10,529	11,180	13,066	14,452	11,380
Other Revenue	8,030	6,637	5,110	3,488	2,184	2,184
Revenue	19,595	17,166	16,290	16,554	16,636	13,564
Revenue Growth (YoY)	14.06%	5.38%	-1.59%	-0.49%	22.65%	47.12%
Cost of Revenue	6,810	6,562	5,842	4,856	3,799	3,207
Gross Profit	12,785	10,604	10,448	11,698	12,837	10,357
Selling, General & Admin	3,115	2,175	2,361	2,620	2,648	1,535
Operating Expenses	3,442	2,597	2,537	2,858	2,972	1,773
Operating Income	9,343	8,007	7,911	8,840	9,864	8,584
Interest & Investment Income	298.61	237.02	217.31	182.3	136.37	77.17
Currency Exchange Gain (Loss)	128.53	1.51	2.36	-160.23	35.55	101.53
Other Non Operating Income (Expenses)	-1,614	-353.08	-2,823	-4,100	-3,014	-4,681
EBT Excluding Unusual Items	8,156	7,892	5,308	4,762	7,023	4,082
Gain (Loss) on Sale of Investments	-	-	-30.11	-19.89	-	-
Pretax Income	8,156	7,892	5,277	4,742	7,023	4,082
Income Tax Expense	1,284	1,644	1,009	736.8	1,258	586.04
Earnings From Continuing Operations	6,872	6,248	4,269	4,006	5,765	3,496
Minority Interest in Earnings	14.57	16.2	16.76	18.61	17.21	0.9
Net Income	6,887	6,264	4,285	4,024	5,782	3,497
Net Income to Common	6,887	6,264	4,285	4,024	5,782	3,497
Net Income Growth	26.15%	46.18%	6.49%	-30.40%	65.35%	39.77%
Shares Outstanding (Basic)	137	149	160	156	154	149
Shares Outstanding (Diluted)	140	152	164	161	161	153
Shares Change (YoY)	-10.45%	-7.63%	2.02%	0.19%	4.80%	1.90%
EPS (Basic)	50.35	42.04	26.72	25.75	37.63	23.45
EPS (Diluted)	49.32	41.28	26.08	25.00	35.98	22.80
EPS Growth	40.93%	58.28%	4.32%	-30.52%	57.81%	37.18%
Free Cash Flow	10,828	9,190	7,034	5,896	5,764	5,311
Free Cash Flow Per Share	77.55	60.57	42.82	36.62	35.87	34.63
Dividend Per Share	10.691	9.489	7.658	4.966	3.430	-
Dividend Growth	30.08%	23.90%	54.21%	44.76%	-	-
Gross Margin	65.25%	61.77%	64.13%	70.67%	77.16%	76.36%
Operating Margin	47.68%	46.64%	48.56%	53.40%	59.30%	63.29%
Profit Margin	35.15%	36.49%	26.31%	24.31%	34.76%	25.78%
Free Cash Flow Margin	55.26%	53.54%	43.18%	35.61%	34.65%	39.15%
EBITDA	9,418	8,082	7,985	8,917	9,930	8,620
EBITDA Margin	48.07%	47.08%	49.02%	53.87%	59.69%	63.55%
D&A For EBITDA	75.74	74.89	73.76	76.98	65.97	36.06
EBIT	9,343	8,007	7,911	8,840	9,864	8,584
EBIT Margin	47.68%	46.64%	48.56%	53.40%	59.30%	63.29%
Effective Tax Rate	15.74%	20.83%	19.12%	15.54%	17.92%	14.36%
Revenue as Reported	19,595	17,166	16,290	16,554	16,636	13,564

Updated Nov 18, 2025. Source: S&P Global Market Intelligence. Standard template. Financial Sources.

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