Qfin Holdings, Inc. (QFIN)

NASDAQ: QFIN · Real-Time Price · USD

11.94

-0.33 (-2.69%)

At close: Aug 17, 2026, 4:00 PM EDT

11.94

0.00 (0.00%)

After-hours: Aug 17, 2026, 4:10 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	Mar '26 Mar 31, 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	18,424	19,205	17,166	16,290	16,554	16,636
Revenue Growth	4.07%	11.88%	5.38%	-1.59%	-0.49%	22.65%
Gross Profit	10,512	11,794	10,604	10,448	11,698	12,837
Operating Income	7,285	8,346	8,007	7,911	8,840	9,864
Net Income	5,073	5,990	6,264	4,285	4,024	5,782
Earnings Per Share	38.65	44.02	41.28	26.08	25.00	35.98
EPS Growth	-17.35%	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	Mar '26 Mar 31, 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	6,548	7,549	7,846	4,193	7,223	6,116
Total Debt	2,849	4,301	1,652	930.2	220.22	436.53
Net Cash (Debt)	3,699	3,248	6,194	3,263	7,002	5,680
Net Cash Growth	-11.72%	-47.57%	89.85%	-53.41%	23.29%	35.62%
Net Cash Per Share	28.18	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	Mar '26 Mar 31, 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	10,375	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	10,135	10,843	9,190	7,034	5,896	5,764
Free Cash Flow Growth	0.97%	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	Mar '26 Mar 31, 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	57.06%	61.41%	61.77%	64.13%	70.67%	77.16%
Operating Margin	39.54%	43.46%	46.64%	48.56%	53.40%	59.30%
Pretax Margin	34.18%	38.41%	45.98%	32.40%	28.65%	42.21%
Profit Margin	27.53%	31.19%	36.49%	26.31%	24.31%	34.76%
FCF Margin	55.01%	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	Aug '26 Aug 17, 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	18.75%	13.52%	23.90%	54.21%	44.76%	-
Dividend Yield	13.06%	8.46%	3.75%	7.95%	4.29%	3.00%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 17, 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	2.19	2.93	6.94	4.23	4.92	3.89
Forward PE	2.86	3.11	6.13	3.69	4.53	3.86
P/FCF Ratio	0.97	1.62	4.73	2.58	3.36	3.91
PS Ratio	0.55	0.91	2.53	1.11	1.20	1.35