QFIN
Qfin Holdings, Inc.
Price Chart
Latest Quote
$5.54
-0.03 (-0.45%)
Current Price
| Previous Close | $5.57 |
| Open | $5.65 |
| Day High | $5.74 |
| Day Low | $5.54 |
| Volume | 1,080,410 |
Stock Information
Note: Financial values converted from CNY to USD
| Quarterly Dividend / Yield | $1.24 / 22.22% |
| Shares Outstanding | 121.58M |
| Quarterly Dividend Yield | 22.22% |
| Quarterly Dividend | $1.24 |
| Total Debt | $534.39M |
| Cash Equivalents | $1.02B |
| Revenue | $2.52B |
| Net Income | $562.72M |
| Sector | Financial Services |
| Industry | Credit Services |
| Market Cap | $674.18M |
| P/E Ratio | 1.25 |
| EPS (TTM) | $4.43 |
| Exchange | NMS |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $-2.55B |
| Sales | $2.52B |
| Income | $562.72M |
| Book/sh | $30.48 |
| Cash/sh | $56.05 |
| Employees | 4K |
Financial Ratios
| Quick Ratio | 0.37 |
| Current Ratio | 2.17 |
| Debt/Eq | 14.35 |
| EPS Growth TTM | -76.60% |
Returns & Margins
| ROA | 6.55% |
| ROE | 15.26% |
| Gross Margin | 52.89% |
| Operating Margin | 32.48% |
| Profit Margin | 22.32% |
Ownership
| Insider Ownership | 3.36% |
| Institutional Ownership | 64.65% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 1.92 |
| P/S | 0.04 |
| P/B | 0.18 |
Analyst Data
| Recommendation | none |
| Target Price | $14.91 |
Technical Indicators
| SMA20 | $5.91 |
| SMA50 | $7.56 |
| SMA200 | $11.77 |
| RSI | 32.01 |
| ATR | 0.2479 |
| Shares Float | 91.34M |
| Short Float | 2.84% |
| Short Ratio | 1.34 |
| Volatility | 0.56 |
| Rel Volume | 0.55 |
Performance History
| Week | +1.19% |
| Month | -21.35% |
| Quarter | -57.49% |
| 6 Months | -54.90% |
| YTD | -67.46% |
| Year | -77.03% |
| 3 Years | -50.94% |
| 5 Years | -65.41% |
| 10 Years | -53.98% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-10-27 | $5.55 | 1,080,410 |
| 2026-10-26 | $5.57 | 2,061,300 |
| 2026-10-23 | $5.26 | 1,472,600 |
| 2026-10-22 | $5.47 | 1,434,800 |
| 2026-10-21 | $5.45 | 2,235,300 |
| 2026-10-20 | $5.48 | 2,469,300 |
| 2026-10-19 | $5.58 | 1,869,800 |
| 2026-10-16 | $5.67 | 1,210,300 |
| 2026-10-15 | $5.82 | 1,957,100 |
| 2026-10-14 | $5.69 | 2,034,000 |
| 2026-10-13 | $5.75 | 1,363,600 |
| 2026-10-12 | $5.92 | 1,736,500 |
| 2026-10-09 | $6.20 | 2,103,800 |
| 2026-10-08 | $6.09 | 2,210,200 |
| 2026-10-07 | $6.18 | 1,775,100 |
| 2026-10-06 | $6.37 | 2,244,100 |
| 2026-10-05 | $6.55 | 3,188,000 |
| 2026-10-02 | $6.46 | 2,649,900 |
| 2026-10-01 | $6.47 | 2,205,800 |
| 2026-09-30 | $6.70 | 2,046,400 |
| 2026-09-29 | $6.76 | 2,562,800 |
| 2026-09-28 | $7.05 | 1,576,100 |
About Qfin Holdings, Inc.
Qfin Holdings, Inc., together with its subsidiaries, operate AI- driven credit-tech platform under the Qifu Jietiao brand in the People's Republic of China. The company provides credit-driven services that match borrowers with financial institutions to conduct borrower acquisition, credit assessment, fund matching, and post-facilitation services; and platform services, including loan and post-facilitation services to financial institution partners under capital light model, intelligence credit engine, referral services, and other technology solutions. It serves financial institutions, consumers, and small and micro-enterprises. The company was formerly known as Qifu Technology, Inc. and changed its name to Qfin Holdings, Inc. in July 2025. Qfin Holdings, Inc. was founded in 2016 and is headquartered in Shanghai, the People's Republic of China.
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $2,414,461,991 | $2,107,598,204 | $2,012,604,963 | $2,093,837,131 |
| Operating Revenue | $2,414,461,991 | $2,107,598,204 | $2,012,604,963 | $2,093,837,131 |
| Expenses | ||||
| Selling And Marketing Expense | $370,769,289 | $259,117,339 | $291,247,777 | $331,343,713 |
| General And Administrative Expense | $98,937,030 | $67,487,161 | $63,218,927 | $61,975,496 |
| Other Non Interest Expense | $250,389,147 | $71,825,960 | $458,488,712 | $655,763,126 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $899,271,962 | $940,502,931 | $643,385,863 | $604,175,733 |
| Net Interest Income | $1,328,362,121 | $1,031,967,961 | $799,812,006 | $551,039,230 |
| Interest Income | $1,328,362,121 | $1,031,967,961 | $799,812,006 | $551,039,230 |
| Normalized Income | $866,420,665 | $940,502,931 | $643,385,863 | $604,175,733 |
| Net Income From Continuing And Discontinued Operation | $899,271,962 | $940,502,931 | $643,385,863 | $604,175,733 |
| Net Income Common Stockholders | $899,271,962 | $940,502,931 | $643,385,863 | $604,175,733 |
| Net Income | $899,271,962 | $940,502,931 | $643,385,863 | $604,175,733 |
| Net Income Including Noncontrolling Interests | $897,162,842 | $938,071,018 | $640,869,723 | $601,382,441 |
| Net Income Continuous Operations | $897,162,842 | $938,071,018 | $640,869,723 | $601,382,441 |
| Pretax Income | $1,107,427,978 | $1,184,941,563 | $792,338,655 | $712,003,703 |
| Special Income Charges | $40,557,156 | $0 | $0 | - |
| Per Share | ||||
| Diluted EPS | $6.61 | $6.20 | $3.92 | $3.75 |
| Basic EPS | $6.75 | $6.31 | $4.01 | $3.86 |
| Other | ||||
| Tax Effect Of Unusual Items | $7,705,860 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $40,557,156 | $0 | $0 | - |
| Total Unusual Items Excluding Goodwill | $40,557,156 | $0 | $0 | - |
| Reconciled Depreciation | $10,227,457 | $11,244,332 | $11,074,377 | $11,557,967 |
| Diluted Average Shares | $20,431,483 | $22,779,468 | $24,660,611 | $24,173,385 |
| Basic Average Shares | $20,005,479 | $22,371,268 | $24,078,146 | $23,465,548 |
| Diluted NI Availto Com Stockholders | $899,271,962 | $940,502,931 | $643,385,863 | $604,175,733 |
| Minority Interests | $2,109,119 | $2,431,913 | $2,516,140 | $2,793,292 |
| Tax Provision | $210,265,135 | $246,870,545 | $151,468,932 | $110,621,262 |
| Gain On Sale Of Security | $-26,377,653 | $0 | $-4,520,914 | $-2,985,917 |
| Selling General And Administration | $469,706,319 | $326,604,501 | $354,466,704 | $393,319,209 |
| Other Gand A | $98,937,030 | $67,487,161 | $63,218,927 | $61,975,496 |
Fetched: 2026-10-25
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $3,467,024,342 | $3,480,027,675 | $3,138,661,442 | $2,679,079,135 |
| Total Assets | $8,550,249,731 | $7,226,468,578 | $6,879,045,533 | $6,056,987,184 |
| Goodwill And Other Intangible Assets | $153,507,487 | $151,783,619 | $154,958,107 | $150,569,164 |
| Other Intangible Assets | $146,721,312 | $145,415,724 | $148,770,977 | $150,569,164 |
| Prepaid Assets | $48,899,197 | $24,414,767 | $31,088,940 | $59,559,047 |
| Receivables | $531,496,547 | $666,160,086 | $1,175,287,177 | $1,259,308,735 |
| Other Receivables | $385,524,867 | $328,319,211 | $708,988,960 | $725,114,834 |
| Accounts Receivable | $145,971,680 | $336,555,556 | $458,853,544 | $469,919,213 |
| Allowance For Doubtful Accounts Receivable | $-28,230,489 | $-40,842,566 | $-48,145,211 | $-47,287,931 |
| Gross Accounts Receivable | $174,202,169 | $377,398,121 | $506,998,754 | $517,207,144 |
| Cash And Cash Equivalents | $705,164,229 | $668,470,689 | $627,254,283 | $1,075,816,562 |
| Cash Cash Equivalents And Federal Funds Sold | $1,132,167,940 | $1,021,799,808 | $1,134,882,260 | $1,578,290,649 |
| Debt | ||||
| Total Debt | $574,061,029 | $209,770,435 | $124,272,434 | $27,130,288 |
| Long Term Debt And Capital Lease Obligation | $237,698,249 | - | - | - |
| Long Term Debt | $237,698,249 | - | - | - |
| Current Debt And Capital Lease Obligation | $336,362,780 | $209,770,435 | $124,272,434 | $27,130,288 |
| Current Debt | $333,606,723 | $205,678,011 | $119,897,003 | $22,520,493 |
| Other Current Borrowings | $333,606,723 | $205,678,011 | $119,897,003 | $22,520,493 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $4,923,392,946 | $3,586,223,210 | $3,574,559,997 | $3,214,706,240 |
| Non Current Deferred Liabilities | $166,521,029 | $144,911,565 | $55,805,181 | $15,139,026 |
| Non Current Deferred Taxes Liabilities | $48,066,089 | $65,975,286 | $33,754,165 | $15,139,026 |
| Payables And Accrued Expenses | $3,419,138,117 | $2,520,404,095 | $2,286,285,554 | $2,016,678,169 |
| Payables | $3,253,431,429 | $2,369,772,174 | $2,146,437,496 | $1,914,285,895 |
| Other Payable | $3,050,825,363 | $2,150,920,726 | $1,963,763,418 | $1,710,707,995 |
| Total Tax Payable | $164,025,609 | $172,634,292 | $135,943,004 | $126,627,177 |
| Income Tax Payable | $164,025,609 | $172,634,292 | $135,943,004 | $126,627,177 |
| Dividends Payable | - | - | $0 | $26,651,953 |
| Equity | ||||
| Common Stock Equity | $3,620,531,830 | $3,631,811,294 | $3,293,619,549 | $2,829,648,298 |
| Total Equity Gross Minority Interest | $3,626,856,785 | $3,640,245,368 | $3,304,485,537 | $2,842,280,944 |
| Stockholders Equity | $3,620,531,830 | $3,631,811,294 | $3,293,619,549 | $2,829,648,298 |
| Gains Losses Not Affecting Retained Earnings | $-29,380,836 | $1,783,173 | $-5,203,285 | $-7,773,324 |
| Retained Earnings | $3,678,671,185 | $3,145,713,509 | $2,446,823,939 | $1,922,301,839 |
| Other | ||||
| Treasury Shares Number | $5,884,662 | $1,885,666 | $1,700,504 | - |
| Ordinary Shares Number | $36,606,896 | $42,635,996 | $47,326,985 | $48,462,909 |
| Share Issued | $42,491,558 | $44,521,662 | $49,027,489 | $48,462,909 |
| Tangible Book Value | $3,467,024,342 | $3,480,027,675 | $3,138,661,442 | $2,679,079,135 |
| Invested Capital | $4,191,836,801 | $3,837,489,305 | $3,413,516,552 | $2,852,168,791 |
| Capital Lease Obligations | $2,756,058 | $4,092,424 | $4,375,432 | $4,609,795 |
| Total Capitalization | $3,858,230,078 | - | - | - |
| Minority Interest | $6,324,956 | $8,434,075 | $10,865,988 | $12,632,645 |
| Treasury Stock | $610,513,300 | $167,193,341 | $57,748,099 | $0 |
| Additional Paid In Capital | $581,751,777 | $651,504,801 | $909,743,691 | $915,116,480 |
| Capital Stock | $3,003 | $3,153 | $3,303 | $3,303 |
| Common Stock | $3,003 | $3,153 | $3,303 | $3,303 |
| Non Current Deferred Revenue | $118,454,941 | $78,936,280 | $22,051,016 | - |
| Current Capital Lease Obligation | $2,756,058 | $4,092,424 | $4,375,432 | $4,609,795 |
| Current Accrued Expenses | $165,706,688 | $150,631,921 | $139,848,058 | $102,392,274 |
| Investments And Advances | $428,227,775 | $509,574,648 | $2,252,049 | $8,557,787 |
| Goodwill | $6,786,175 | $6,367,895 | $6,187,130 | $0 |
| Net PPE | $95,636,126 | $54,465,662 | $34,714,739 | $7,146,803 |
| Other Short Term Investments | $428,227,775 | $509,574,648 | $2,252,049 | $8,557,787 |
Fetched: 2026-10-25
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $1,627,962,299 | $1,379,779,710 | $1,056,030,357 | $885,136,749 |
| Operating Activities | ||||
| Operating Cash Flow | $1,664,076,462 | $1,402,773,133 | $1,068,725,009 | $889,186,384 |
| Cash Flow From Continuing Operating Activities | $1,664,076,462 | $1,402,773,133 | $1,068,725,009 | $889,186,384 |
| Operating Gains Losses | $-38,136,803 | $-227,007 | $4,846,861 | $26,335,314 |
| Investing Activities | ||||
| Capital Expenditure | $-36,114,163 | $-22,993,423 | $-12,694,652 | $-4,049,635 |
| Investing Cash Flow | $-1,964,093,869 | $-1,200,204,301 | $-1,673,691,361 | $-1,104,401,223 |
| Cash Flow From Continuing Investing Activities | $-1,964,093,869 | $-1,200,204,301 | $-1,673,691,361 | $-1,104,401,223 |
| Net Other Investing Changes | $-31,233,371 | $-3,058,733 | $-7,069,033 | - |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-727,879,750 | $-446,384,997 | $-95,513,765 | $0 |
| Financing Cash Flow | $417,960,082 | $-317,458,328 | $160,114,399 | $481,047,940 |
| Cash Flow From Continuing Financing Activities | $417,960,082 | $-317,458,328 | $160,114,399 | $481,047,940 |
| Net Other Financing Charges | $891,778,643 | $209,210,726 | $288,711,069 | $647,037,335 |
| Cash Dividends Paid | $-206,903,726 | $-189,612,792 | $-141,384,406 | $-148,422,961 |
| Common Stock Dividend Paid | $-206,903,726 | $-189,612,792 | $-141,384,406 | $-148,422,961 |
| Net Common Stock Issuance | $-727,879,750 | $-446,384,997 | $-95,513,765 | $38,272,227 |
| Issuance Of Capital Stock | - | $0 | $0 | $38,272,227 |
| Common Stock Issuance | - | $0 | $0 | $38,272,227 |
| Other | ||||
| Repayment Of Debt | $-592,505,463 | $-198,023,446 | $-26,424,045 | $-110,042,936 |
| Issuance Of Debt | $1,053,470,378 | $307,352,182 | $134,725,546 | $54,204,274 |
| Interest Paid Supplemental Data | $5,131,820 | $2,790,289 | $1,931,958 | $1,630,784 |
| Income Tax Paid Supplemental Data | $241,408,575 | $189,920,122 | $128,000,777 | $135,865,684 |
| End Cash Position | $1,132,167,940 | $1,021,799,808 | $1,134,882,260 | $1,578,290,649 |
| Beginning Cash Position | $1,021,799,808 | $1,134,882,260 | $1,578,290,649 | $1,315,188,834 |
| Effect Of Exchange Rate Changes | $-7,574,543 | $1,807,044 | $1,443,564 | $-2,731,285 |
| Changes In Cash | $117,942,674 | $-114,889,496 | $-444,851,952 | $265,833,100 |
| Common Stock Payments | $-727,879,750 | $-446,384,997 | $-95,513,765 | $0 |
| Net Issuance Payments Of Debt | $460,964,915 | $109,328,736 | $108,301,501 | $-55,838,662 |
| Net Short Term Debt Issuance | $-24,544,635 | $85,781,008 | $97,376,510 | $-45,457,315 |
| Short Term Debt Payments | $-305,941,498 | $-197,968,045 | $-26,424,045 | $-96,530,640 |
| Short Term Debt Issuance | $281,396,863 | $283,749,053 | $123,800,555 | $51,073,325 |
| Net Long Term Debt Issuance | $485,509,550 | $23,547,728 | $10,924,991 | $-10,381,347 |
| Long Term Debt Payments | $-286,563,965 | $-55,400 | $0 | $-13,512,296 |
| Long Term Debt Issuance | $772,073,515 | $23,603,128 | $10,924,991 | $3,130,949 |
| Net Investment Purchase And Sale | $50,672,460 | $-500,438,234 | $8,248,506 | $-9,434,735 |
| Sale Of Investment | $1,569,508,558 | $196,445,660 | $45,536,587 | $2,685,944 |
| Purchase Of Investment | $-1,518,836,097 | $-696,883,894 | $-37,288,081 | $-12,120,679 |
| Net PPE Purchase And Sale | $-36,114,163 | $-22,993,423 | $-12,694,652 | $-4,049,635 |
| Purchase Of PPE | $-36,114,163 | $-22,993,423 | $-12,694,652 | $-4,049,635 |
| Change In Working Capital | $-143,208,866 | $-167,532,199 | $-481,731,662 | $-768,591,396 |
| Change In Other Working Capital | $-34,619,102 | $-4,376,032 | $7,998,228 | $67,091,852 |
| Change In Other Current Liabilities | $-251,876,100 | $-515,850,960 | $-516,913,026 | $-739,228,727 |
| Change In Other Current Assets | $3,387,533 | $-4,160,436 | $-4,205,477 | $-7,957,541 |
| Change In Payables And Accrued Expense | $27,330,270 | $120,252,076 | $74,656,786 | $47,353,240 |
| Change In Accrued Expense | $39,792,360 | $72,918,954 | $7,901,090 | $-15,859,532 |
| Change In Payable | $-12,462,090 | $47,333,122 | $66,755,696 | $63,212,772 |
| Change In Tax Payable | $-3,613,939 | $43,107,677 | $13,417,860 | $-3,313,215 |
| Change In Income Tax Payable | $-3,613,939 | $43,107,677 | $13,417,860 | $-3,313,215 |
| Change In Prepaid Assets | $111,403,324 | $-163,458,993 | $8,747,710 | $148,185 |
| Change In Receivables | $45,139,325 | $388,648,008 | $-63,741,103 | $-105,213,792 |
| Changes In Account Receivables | $45,139,325 | $388,648,008 | $-63,741,103 | $-105,213,792 |
| Other Non Cash Items | $253,728,486 | $71,825,960 | $458,488,712 | $655,763,126 |
| Stock Based Compensation | $56,807,793 | $25,164,849 | $27,865,957 | $29,987,838 |
| Depreciation Amortization Depletion | $10,227,457 | $11,244,332 | $11,074,377 | $11,557,967 |
| Depreciation And Amortization | $10,227,457 | $11,244,332 | $11,074,377 | $11,557,967 |
| Depreciation | $10,227,457 | $11,244,332 | $11,074,377 | $11,557,967 |
| Gain Loss On Investment Securities | $0 | $0 | $4,520,914 | $2,985,917 |
| Net Foreign Currency Exchange Gain Loss | $-23,957,300 | $-227,007 | $-353,722 | $24,055,640 |
| Net Income From Continuing Operations | $897,162,842 | $938,071,018 | $640,869,723 | $601,382,441 |
| Net Business Purchase And Sale | - | $-390,655 | $-3,939,435 | $502,808 |
| Sale Of Business | - | $0 | $0 | $502,808 |
| Purchase Of Business | - | $-390,655 | $-3,939,435 | $0 |
| Earnings Losses From Equity Investments | - | - | - | $2,985,917 |
Fetched: 2026-10-25