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Home CompaniesQfin Holdings, Inc.

Qfin Holdings, Inc.

Financial Services Credit Services
PortfolioPortfolio WatchlistWatchlist
Company price
5.58 USD 0.12 ( 2.20%)
Last update at 2026-11-06T21:14:00Z
VOLUME
2161298
Market Cap
978.74M
P/E
1.94

Momentum Score

…

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.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
5.33
Low
5.63
High
52 Week Price Range
7.92
Low
29.24
High

Momentum Score

…
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

360 Finance Inc provides consumer credit and related financial services in China through online platforms. Its long-term growth drivers include rising consumer credit adoption, expansion of digital lending channels, and the use of data-driven underwriting that could support scalable originations and diversified fee income. Investors may find it attractive for potential revenue diversification and operational scalability as digital lending expands.
Key risks include regulatory uncertainty in China's fintech sector, credit and funding pressures from macroeconomic slowdown, and concentration risks related to borrower credit performance and wholesale funding dependence.

Risk Score
High

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
5.46
Dividend Yield
14.64%
Revenue TTM
16774.36M
Revenue Per Share
133.35
Gross Profit TTM
8871.71M
Debt / Equity
0.16
ROE
15.26%
Net Debt
-873.23M
ROCE
23.10%
Diluted EPS TTM
4.16

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 7376.14M 7892.42M 5277.45M 4742.37M 7022.71M
Minority interest 14.05M 16.20M 16.81M 18.61M 17.21M
Net income 5989.69M 6264.31M 4285.34M 4024.17M 5781.73M
Selling general administrative 658.98M 449.50M 421.08M 412.79M 557.29M
Selling and marketing expenses 2469.55M 1725.88M 1939.88M 2206.95M 2090.37M
Gross profit 11902.27M 10603.84M 10447.53M 11697.77M 12836.70M
Reconciled depreciation 68.12M 74.89M 73.76M 76.98M 65.97M
Ebit 7376.14M 8005.84M 7910.77M 4838.15M 7039.92M
Ebitda 7444.26M 8080.74M 7984.54M 4760.98M 7105.89M
Depreciation and amortization 68.12M 74.89M 73.76M -77.17M 65.97M
Operating income 7376.14M 7528.57M 4856.96M 4838.15M 7039.92M
Other operating expenses 8705.63M 9637.09M 11433.06M 9773.80M 7242.65M
Interest expense - - - 77.17M 10.03M
Tax provision 1400.49M 1644.31M 942.55M 736.80M 1258.20M
Interest income 8847.69M 6873.53M 4853.19M 3670.25M 2310.38M
Net interest income 8847.69M 6873.53M 4853.19M 3670.25M 2310.38M
Income tax expense 1400.49M 1644.31M 1008.87M 736.80M 1258.20M
Total revenue 16081.77M 17165.66M 16290.03M 16553.93M 16635.65M
Total operating expenses 4526.13M 3075.27M 5590.57M 1535.45M -7242.65M
Cost of revenue 4179.50M 6561.82M 5842.49M 4856.16M 3798.95M
Total other income expense net 849.61M 363.85M 420.49M -95.77M -17.21M
Net income from continuing ops 5975.64M 6248.12M 4028.79M 4005.57M 5764.51M
Net income applicable to common shares - - - 4024.17M 5781.73M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 56949.79M 48132.62M 45818.57M 40343.17M 33505.00M
Intangible assets 977.25M 968.56M 990.90M 1002.88M 1023.87M
Other current assets 3169.80M 2516.00M 32648.55M 25773.10M 18543.61M
Total liab 32792.75M 23886.40M 23808.72M 21411.87M 18288.39M
Total stockholder equity 24114.92M 24190.04M 21937.48M 18847.16M 15203.86M
Other current liab 22773.51M 15637.56M 19071.89M -150.00M -397.58M
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 24502.16M 20952.34M 16297.32M 12803.68M 9642.51M
Other liab - - - 4661.95M 4132.02M
Good will 45.20M 42.41M 41.21M - -
Other assets - - - 23625.35M 17483.56M
Cash 4696.82M 4452.42M 4177.89M 7165.58M 6116.36M
Total current liabilities 25013.89M 18184.60M 19899.62M 150.00M 397.58M
Current deferred revenue - -15811.36M - - -
Net debt -873.23M -3055.22M -3350.16M -7015.58M -5718.78M
Short term debt 2240.38M 1397.20M 827.73M 150.00M 397.58M
Short long term debt 2222.02M 1369.94M 798.59M 150.00M 397.58M
Short long term debt total 3823.59M 1397.20M 827.73M 150.00M 397.58M
Other stockholder equity -191.57M 3225.80M 5674.80M 6095.23M 5672.27M
Property plant equipment - - - 47.60M 67.55M
Total current assets 11691.13M 12604.15M 39796.03M 15610.34M 14972.62M
Long term investments 2852.25M 3394.07M 15.00M 57.00M -
Net tangible assets - - - 17844.28M 14179.99M
Short term investments 2852.25M 3394.07M 15.00M 57.00M -
Net receivables 972.26M 2241.66M 7828.12M 8387.75M 8856.26M
Long term debt 1583.21M - - - -
Inventory - 1301.97M -4873.53M -25773.10M -18543.61M
Accumulated other comprehensive income -195.69M 11.88M -34.66M -51.77M -110.93M
Non currrent assets other 3536.17M 1158.47M 4713.82M -1019.17M -1048.81M
Non current assets total 45258.67M 35528.47M 6022.54M 1107.48M 1048.81M
Capital lease obligations 18.36M 27.26M 29.14M 30.70M 25.78M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments 337.51M -7994.08M -10942.44M -7355.98M -6064.33M
Change to liabilities - - - 0.00M 647.43M
Total cashflows from investing activities -13082.04M -7994.08M -11147.79M -7355.98M -6064.33M
Net borrowings 3070.30M 728.20M 721.35M - 498.37M
Total cash from financing activities 2783.86M -2114.46M 1066.46M 3204.07M 2263.72M
Change to operating activities - - - - -4105.53M
Net income 5975.64M 6264.31M 4268.58M 5764.51M 5764.51M
Change in cash 735.12M -753.20M -2953.37M 1752.42M 1985.68M
Begin period cash flow 6805.80M 7559.00M 10512.36M 8759.95M 6774.27M
End period cash flow 7540.92M 6805.80M 7559.00M 10512.36M 8759.95M
Total cash from operating activities 11083.75M 9343.31M 7118.35M 5922.52M 5789.70M
Issuance of capital stock - 0.00M 0.00M 239.12M -
Depreciation 68.12M 74.89M 73.76M 65.97M 65.97M
Other cashflows from investing activities -13179.01M -7994.08M -11071.09M -7355.98M -6064.33M
Dividends paid 1378.10M 1262.93M 941.71M 276.99M -
Change to account receivables 300.65M 367.81M -424.55M -819.93M -841.62M
Sale purchase of stock -4848.12M -2973.19M -636.18M - -
Other cashflows from financing activities 5939.78M 1393.47M 1922.99M 3974.89M 2473.89M
Change to netincome - - - 1898.34M 7.97M
Capital expenditures 240.54M 153.15M 84.55M 25.31M 25.31M
Change in working capital -953.86M -1490.37M -3208.62M -819.93M -4881.24M
Stock based compensation 378.37M 167.61M 185.60M 253.92M 253.92M
Other non cash items 5615.47M 4401.75M 5799.03M 10.61M 3078.22M
Free cash flow 10843.21M 9190.16M 7033.80M 5897.21M 5764.39M

Peer Comparison*

Sector: Financial Services Industry: Credit Services

Stock Name
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
Qfin Holdings, Inc.		 0.12
2.20%		 5.58 1.94 3.27 0.06 0.28 0.74
V
Visa Inc. Class A		 0.06
0.01%		 422.65 31.25 25.97 16.18 13.64 16.19
MA
Mastercard Inc		 -3.22
0.49%		 652.70 31.59 24.88 14.31 89.68 14.71
AXP
American Express Company		 -3.94
1.21%		 321.03 21.46 18.83 3.38 6.76 3.93
COF
Capital One Financial Corporation		 -1.97
0.97%		 201.87 11.39 8.75 2.64 1.11 2.76

Profile*

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.

Building 1, Shanghai, China, 200331

86 21 5835 7668

https://www.qfin.com

3557

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
Ms. Karen Ji Senior Director of Capital Markets NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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