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Last update at 2025-03-25T18:56:00Z
With EPS Growth And More, Qifu Technology (NASDAQ:QFIN) Makes An Interesting Case
Tue 18 Mar 25, 11:22 AMQifu Technology Full Year 2024 Earnings: Revenues Beat Expectations, EPS In Line
Tue 18 Mar 25, 10:45 AMIs Qifu Technology, Inc. (QFIN) the Cheap Chinese Stock to Buy Now?
Fri 07 Mar 25, 04:24 PMQifu Technology (NASDAQ:QFIN) shareholders have earned a 41% CAGR over the last five years
Mon 03 Feb 25, 10:22 AMThis Chinese AI Stock Breaks Out With Uniquely Bullish Signal
Thu 30 Jan 25, 05:01 PMQFIN or CLMB: Which Is the Better Value Stock Right Now?
Wed 01 Jan 25, 04:40 PM| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Income before tax | 4742.37M | 7022.71M | 4081.74M | 2967.29M | 1659.67M |
| Minority interest | 18.61M | 17.21M | 0.51M | 1.29M | 1.29M |
| Net income | 4024.17M | 5781.73M | 3496.61M | 2501.59M | 1193.31M |
| Selling general administrative | 412.79M | 557.29M | 455.95M | 477.94M | 569.39M |
| Selling and marketing expenses | 2206.95M | 2090.37M | 1079.49M | 2864.59M | 1321.95M |
| Gross profit | 11697.77M | 12836.70M | 10357.01M | 7138.31M | 3610.87M |
| Reconciled depreciation | 76.98M | 65.97M | 36.06M | 7.64M | 3.76M |
| Ebit | 4838.15M | 7039.92M | 4082.64M | 2967.58M | 1659.67M |
| Ebitda | 4760.98M | 7105.89M | 4118.70M | 2975.22M | 1663.43M |
| Depreciation and amortization | -77.16900M | 65.97M | 36.06M | 7.64M | 3.76M |
| Non operating income net other | - | - | - | 0.00000M | 0.00000M |
| Operating income | 4838.15M | 7039.92M | 4082.64M | 2967.58M | 1659.67M |
| Other operating expenses | 9773.80M | 7242.65M | 1648.33M | 3482.81M | 1899.03M |
| Interest expense | 77.17M | 10.03M | 41.71M | 41.71M | 0.00000M |
| Tax provision | 736.80M | 1258.20M | 586.04M | 465.98M | 466.36M |
| Interest income | 3670.25M | 2310.38M | 2261.35M | 1309.62M | 277.87M |
| Net interest income | 3670.25M | 2310.38M | 2261.35M | 922.91M | 277.87M |
| Extraordinary items | - | - | - | 0.00000M | 0.00000M |
| Non recurring | - | - | - | 0.00000M | 0.00000M |
| Other items | - | - | - | 0.00000M | 0.00000M |
| Income tax expense | 736.80M | 1258.20M | 586.04M | 465.98M | 466.36M |
| Total revenue | 16553.93M | 16635.65M | 13563.95M | 9219.85M | 4447.02M |
| Total operating expenses | 1535.45M | -7242.65100M | 1648.33M | 3482.81M | 1899.03M |
| Cost of revenue | 4856.16M | 3798.95M | 3206.95M | 2081.54M | 836.15M |
| Total other income expense net | -95.77400M | -17.21200M | -0.89700M | -0.29100M | 15.16M |
| Discontinued operations | - | - | - | 0.00000M | 0.00000M |
| Net income from continuing ops | 4005.57M | 5764.51M | 3495.71M | 2501.30M | 1193.31M |
| Net income applicable to common shares | 4024.17M | 5781.73M | 3496.61M | 2501.59M | -1904.42200M |
| Preferred stock and other adjustments | - | - | - | 0.00000M | 0.00000M |
| Breakdown | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total assets | 45818.57M | 40343.17M | 33505.00M | 24387.31M | 20355.60M |
| Intangible assets | 990.90M | 1002.88M | 1023.87M | 3.40M | 3.51M |
| Earning assets | - | - | - | - | - |
| Other current assets | 32648.55M | 25773.10M | 18543.61M | 15063.10M | 15063.00M |
| Total liab | 23808.72M | 21411.87M | 18288.39M | 14906.22M | 200.00M |
| Total stockholder equity | 21937.48M | 18847.16M | 15203.86M | 9480.58M | 7213.44M |
| Deferred long term liab | - | - | - | - | 0.00000M |
| Other current liab | 19071.89M | -150.00000M | -397.57600M | -186.80000M | -200.00000M |
| Common stock | 0.02M | 0.02M | 0.02M | 0.02M | 0.02M |
| Capital stock | 0.02M | 0.02M | 0.02M | 0.02M | 0.02M |
| Retained earnings | 16297.32M | 12803.68M | 9642.51M | 4137.54M | 2071.33M |
| Other liab | - | 4661.95M | 4132.02M | 1506.73M | 3442.50M |
| Good will | 41.21M | - | - | - | 0.00000M |
| Other assets | - | 23625.35M | 17483.56M | 12708.08M | 13305.53M |
| Cash | 4177.89M | 7165.58M | 6116.36M | 4418.42M | 2108.12M |
| Cash and equivalents | - | - | - | - | - |
| Total current liabilities | 19899.62M | 150.00M | 397.58M | 186.80M | 200.00M |
| Current deferred revenue | - | - | - | - | - |
| Net debt | -3350.16100M | -7015.58400M | -5718.78400M | -4231.61600M | -1908.12300M |
| Short term debt | 827.73M | 150.00M | 397.58M | 186.80M | 200.00M |
| Short long term debt | 798.59M | 150.00M | 397.58M | 186.80M | 200.00M |
| Short long term debt total | 827.73M | 150.00M | 397.58M | 186.80M | 200.00M |
| Other stockholder equity | 5674.80M | 6095.23M | 5672.27M | 5417.41M | 5117.18M |
| Property plant equipment | - | 47.60M | 67.55M | 19.36M | 17.11M |
| Total current assets | 39796.03M | 15610.34M | 14972.62M | 11656.46M | 7029.45M |
| Long term investments | 15.00M | 57.00M | - | - | 0.00000M |
| Net tangible assets | - | 17844.28M | 14179.99M | 9477.17M | 7209.93M |
| Short term investments | 15.00M | 57.00M | - | - | 0.00000M |
| Net receivables | 7828.12M | 8387.75M | 8856.26M | 7238.04M | 4921.32M |
| Long term debt | - | - | - | - | 0.00000M |
| Inventory | -4873.52700M | -25773.10100M | -18543.60900M | -15063.09800M | -15063.00100M |
| Accounts payable | - | - | - | 47.35M | 41.91M |
| Total permanent equity | - | - | - | - | 0.00000M |
| Noncontrolling interest in consolidated entity | - | - | - | - | 0.00000M |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | 0.00000M |
| Accumulated other comprehensive income | -34.65700M | -51.77500M | -110.93200M | -74.39100M | 24.91M |
| Additional paid in capital | - | - | - | - | 0.00000M |
| Common stock total equity | - | - | - | 0.02M | 0.02M |
| Preferred stock total equity | - | - | - | - | 0.00000M |
| Retained earnings total equity | - | - | - | - | 0.00000M |
| Treasury stock | - | - | - | - | 0.00000M |
| Accumulated amortization | - | - | - | - | 0.00000M |
| Non currrent assets other | 4713.82M | -1019.17100M | -1048.81000M | -22.76300M | -20.62500M |
| Deferred long term asset charges | - | - | - | - | 0.00000M |
| Non current assets total | 6022.54M | 1107.48M | 1048.81M | 22.76M | 20.62M |
| Capital lease obligations | 29.14M | 30.70M | 25.78M | 28.53M | 21.02M |
| Long term debt total | - | - | - | - | 0.00000M |
| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Investments | -7355.97500M | -6064.32800M | 892.77M | -8860.44100M | 327.65M |
| Change to liabilities | 0.00000M | 647.43M | -326.54200M | -713.10600M | 91.29M |
| Total cashflows from investing activities | -7355.97500M | -6064.32800M | 892.77M | -8860.44100M | 327.65M |
| Net borrowings | - | 498.37M | -13.20000M | 200.00M | -740.05000M |
| Total cash from financing activities | 3204.07M | 2263.72M | -3282.40000M | 7707.86M | 457.43M |
| Change to operating activities | - | -4105.53400M | -3779.50600M | 174.34M | -573.33000M |
| Net income | 5764.51M | 5764.51M | 3495.71M | 2501.30M | 1193.31M |
| Change in cash | 1752.42M | 1985.68M | 2938.42M | 1822.25M | 1057.17M |
| Begin period cash flow | 8759.95M | 6774.27M | 3835.85M | 2013.60M | 956.43M |
| End period cash flow | 10512.36M | 8759.95M | 6774.27M | 3835.85M | 2013.60M |
| Total cash from operating activities | 5922.52M | 5789.70M | 5325.81M | 2973.07M | 285.12M |
| Issuance of capital stock | 239.12M | - | 0.00000M | 0.00000M | 1721.05M |
| Depreciation | 65.97M | 65.97M | 36.06M | 7.64M | 3.76M |
| Other cashflows from investing activities | -7355.97500M | -6064.32800M | -6064.32800M | -8834.88300M | 336.20M |
| Dividends paid | 276.99M | - | - | 3097.73M | 3097.73M |
| Change to inventory | - | - | - | 0.00000M | 0.00000M |
| Change to account receivables | -819.93100M | -841.61800M | -525.40300M | -731.37000M | -1546.35400M |
| Sale purchase of stock | - | - | - | 0.00000M | 4991.55M |
| Other cashflows from financing activities | 3974.89M | 2473.89M | -3082.40000M | 12605.59M | -523.56800M |
| Change to netincome | 1898.34M | 7.97M | 6240.89M | 1133.58M | 789.55M |
| Capital expenditures | 25.31M | 25.31M | 15.27M | 25.56M | 8.55M |
| Change receivables | - | - | - | 0.00000M | 0.00000M |
| Cash flows other operating | - | - | - | 0.00000M | 0.00000M |
| Exchange rate changes | - | - | - | 0.00000M | 0.00000M |
| Cash and cash equivalents changes | - | - | - | 0.00000M | 0.00000M |
| Change in working capital | -819.93100M | -4881.23800M | -4447.75200M | -669.74600M | -1701.50600M |
| Stock based compensation | 253.92M | 253.92M | 301.16M | 250.43M | 607.38M |
| Other non cash items | 10.61M | 3078.22M | 4794.13M | 792.15M | 106.63M |
| Free cash flow | 5897.21M | 5764.39M | 5310.54M | 2947.52M | 276.56M |
Sector: Financial Services Industry: Credit Services
| Company | Change (USD) | Price (USD) | Trailing PE (x) | Forward PE (x) | Price Sales TTM (x) | Price to Book Value (x) | Enterprise Value to Revenue (x) | |
|---|---|---|---|---|---|---|---|---|
| QFIN 360 Finance Inc |
-0.17 0.38% | 44.28 | 8.02 | 3.27 | 0.35 | 1.91 | 3.11 | |
| V Visa Inc. Class A |
-0.4 0.12% | 343.47 | 31.25 | 25.97 | 16.18 | 13.64 | 16.19 | 23.37 |
| MA Mastercard Inc |
-0.09 0.02% | 543.58 | 37.04 | 29.50 | 16.14 | 62.35 | 16.47 | 27.24 |
| AXP American Express Company |
0.32 0.12% | 278.18 | 21.83 | 20.04 | 3.53 | 7.21 | 4.18 | |
| PYPL PayPal Holdings Inc |
-0.365 0.51% | 70.61 | 21.96 | 18.69 | 2.93 | 4.56 | 2.86 | 12.64 |
Qifu 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.
7/F Lujiazui Finance Plaza, Shanghai, China, 200122
| Name | Title | Year Born |
|---|---|---|
| Mr. Haisheng Wu | CEO & Director | 1983 |
| Mr. Zuoli Xu CFA | CFO & Director | 1969 |
| Mr. Zhiqiang He | Sr. VP | 1983 |
| Mr. Yan Zheng | Chief Risk Officer | 1988 |
| Mr. Zhiqiang He | Senior Vice President | 1983 |
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