Qfin Holdings, Inc. (QFIN)

NASDAQ: QFIN · Real-Time Price · USD

5.67

-0.15 (-2.58%)

At close: Oct 16, 2026, 4:00 PM EDT

5.78

+0.11 (1.94%)

After-hours: Oct 16, 2026, 7:44 PM EDT

Qfin Holdings Financials Overview

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

Millions CNY. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Revenue	16,774	19,205	17,166	16,290	16,554	16,636
Revenue Growth	-10.58%	11.88%	5.38%	-1.59%	-0.49%	22.65%
Gross Profit	8,872	11,794	10,604	10,448	11,698	12,837
Operating Income	5,910	8,346	8,007	7,911	8,840	9,864
Net Income	3,745	5,990	6,264	4,285	4,024	5,782
Earnings Per Share	29.36	44.02	41.28	26.08	25.00	35.98
EPS Growth	-41.96%	6.64%	58.28%	4.32%	-30.52%	57.81%

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Cash & Investments	6,815	7,549	7,846	4,193	7,223	6,116
Total Debt	3,556	4,301	1,652	930.2	220.22	436.53
Net Cash (Debt)	3,258	3,248	6,194	3,263	7,002	5,680
Net Cash Growth	-2.58%	-47.57%	89.85%	-53.41%	23.29%	35.62%
Net Cash Per Share	25.55	23.87	40.82	19.86	43.49	35.34

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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 Cash Flow	8,839	11,084	9,343	7,118	5,923	5,790
Capital Expenditures	-240.54	-240.54	-153.15	-84.55	-26.97	-25.31
Free Cash Flow	8,598	10,843	9,190	7,034	5,896	5,764
Free Cash Flow Growth	-19.63%	17.99%	30.66%	19.31%	2.27%	8.55%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
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

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Oct '26 Oct 18, 2026	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
Dividend Per Share	1.560	10.771	9.489	7.658	4.966	3.430
Dividend Per Share Growth	-15.28%	13.52%	23.90%	54.21%	44.76%	-
Dividend Yield	27.51%	7.48%	3.10%	6.66%	4.05%	2.37%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Oct '26 Oct 18, 2026	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
PE Ratio	1.31	2.93	6.94	4.23	4.92	3.89
Forward PE	2.07	3.11	6.13	3.69	4.53	3.86
P/FCF Ratio	0.54	1.62	4.73	2.58	3.36	3.91
PS Ratio	0.28	0.91	2.53	1.11	1.20	1.35