Qfin Holdings, Inc.(QFIN)Earnings, Financials & Key Ratios
QFIN•NASDAQ
$14.51
1.2× P/E·Price updated Jul 7, 2026
AboutQifu Technology, Inc., together with its subsidiaries, operates credit-tech platform under the 360 Jietiao brand in the People's Republic of China. The company provides credit-driven services that matches borrowers with financial institutions to conduct customer acquisition, initial and credit screening, advanced risk assessment, credit assessment, fund matching, and other post-facilitation services; and platform services, including loan facilitation and post-facilitation services to financial institution partners under intelligence credit engine, referral services, and risk management software-as-a-service. It offers e-commerce loans, enterprise loans, and invoice loans to SME owners. It serves financial institutions, consumers, and small- and micro-enterprises. The company was formerly known as 360 DigiTech, Inc. and changed its name to Qifu Technology, Inc. in March 2023. Qifu Technology, Inc. was founded in 2016 and is headquartered in Shanghai, the People's Republic of China.Show more
- EBITDA$6.39B-15.9%
- Net Income$5.8B-7.4%
- EPS (Diluted)85.58+104.2%
- Gross Margin81.51%+32.0%
- EBITDA Margin34.22%-22.7%
- Operating Margin33.86%-22.8%
- Net Margin31.04%-14.9%
- ROE23.96%-11.5%
QFIN Price & Volume
Qfin Holdings, Inc. (QFIN) stock price & volume — 10-year historical chart
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Robust Cash Generation Offsets Margin Volatility Risks
Investment Thesis • Updated 2025Q4
VerdictPositive: The stock trades at a compelling forward P/E of 0.57 and a PEG ratio of 0.04
Growth:Mixed
Profitability:Strong
Financial:Fortress
Cash Flow:Robust
Primary Risk:Regulatory interest rate caps
Key Thesis Takeaways
- Qfin Holdings demonstrates a unique ability to generate substantial liquidity, evidenced by an OCF/NI ratio of 3.08 in 2025Q4, while maintaining a fortress balance sheet with a conservative 0.16 debt-to-equity ratio.
- Despite this, investors should monitor the significant margin compression from a 54.7% operating margin in 2025Q1 to 20.0% in 2025Q4, which suggests potential structural challenges in the credit-tech business model.
- The aggressive capital return strategy, highlighted by $4.7 billion in share repurchases during 2025Q4, underscores management's confidence, though regulatory interest rate caps remain a persistent risk to long-term profitability.
Verdict Logic
suggesting that the market has significantly undervalued the firm's ability to maintain a 24.7% net margin despite regulatory headwinds.
QFIN Growth Metrics
Qfin Holdings, Inc. (QFIN) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years6.61%
3 Years4.11%
TTM-
Profit CAGR
10 Years-
5 Years10.65%
3 Years12.95%
TTM-4.72%
EPS CAGR
10 Years-
5 Years31.78%
3 Years49.88%
TTM23.16%
Return on Capital
10 Years11.08%
5 Years21.87%
3 Years20.95%
Last Year20.44%
QFIN Recent Earnings
Qfin Holdings, Inc. (QFIN) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 7/12 qtrs (58%)●Beat Revenue 6/12 qtrs (50%)
Q2 2026Latest
May 26, 2026Metric
Actual
Est
EPS
$1.04+8.3%
$0.96
Rev
$567M+18.8%
$477M
Q2 2026
Mar 17, 2026Metric
Actual
Est
EPS
$1.12-0.9%
$1.13
Rev
$585M-9.2%
$644M
Q4 2025
Nov 18, 2025Metric
Actual
Est
EPS
$1.52-9.5%
$1.68
Rev
$731M+10.0%
$665M
Q3 2025
Aug 14, 2025Metric
Actual
Est
EPS
$1.78-0.6%
$1.79
Rev
$604M-12.9%
$693M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 26, 2026 | $1.04vs $0.96+8.3% | $567Mvs $477M+18.8% |
| Q2 2026 | Mar 17, 2026 | $1.12vs $1.13-0.9% | $585Mvs $644M-9.2% |
| Q4 2025 | Nov 18, 2025 | $1.52vs $1.68-9.5% | $731Mvs $665M+10.0% |
| Q3 2025 | Aug 14, 2025 | $1.78vs $1.79-0.6% | $604Mvs $693M-12.9% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Qfin Holdings, Inc. (QFIN)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $14.51 | $1.89B | 1.15 | 8.83% | 31.04% | 23.96% | 20.55% | |
| $1.85 | $312.03M | 1.37 | -9.94% | 11.52% | 14.68% | — | |
| $4.71 | $1.17B | 3.42 | 1.03% | 18.75% | 6.05% | — | |
| $2.73 | $918.46K | -0.01 | -60.88% | -14.04% | -1.25% | — | |
| $33.06 | $3.16B | 73.47 | 58.87% | 4.25% | 6.59% | — | |
| $19.21 | $2.21B | 16.70 | 14.97% | 10.17% | 9.47% | — |
Compare QFIN vs Peers
Qfin Holdings, Inc. (QFIN) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
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QFIN Frequently Asked Questions
Qfin Holdings, Inc. (QFIN) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
What is Qfin Holdings, Inc.'s revenue?
Qfin Holdings, Inc. (QFIN) reported $17.63B in revenue for fiscal year 2025.
How fast is Qfin Holdings, Inc. growing?
Qfin Holdings, Inc. (QFIN) grew revenue by 8.8% over the past year. This is steady growth.
Is QFIN profitable?
Yes, Qfin Holdings, Inc. (QFIN) is profitable, generating $5.97B in net income for fiscal year 2025 (31.0% net margin).
Dividend & Returns
Does QFIN pay dividends?
Yes, Qfin Holdings, Inc. (QFIN) pays a dividend with a yield of 20.55%. This makes it attractive for income-focused investors.
What is QFIN's return on equity?
Qfin Holdings, Inc. (QFIN) has a return on equity (ROE) of 24.0%. This is excellent, indicating efficient use of shareholder capital.
What is Qfin Holdings, Inc.'s free cash flow?
Qfin Holdings, Inc. (QFIN) generated $7.93B in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.