Symbols / QFIN Stock $13.08 +3.65% Qfin Holdings, Inc.

Financial Services • Credit Services • China • NMS
QFIN (Stock) Chart
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Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Credit Services
CEO Mr. Haisheng Wu
Exch · Country NMS · China
Market Cap 1.59B
Enterprise Value -20.66M
Income 5.99B
Sales 19.21B
FCF (ttm) 490.68M
Book/sh 28.99
Cash/sh 31.00
Employees 3,557
Insider 10d —
IPO Dec 14, 2018
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 23.85%
P/E 2.03
Forward P/E 2.58
PEG —
P/S 0.08
P/B 0.45
P/C —
EV/EBITDA -0.00
EV/Sales -0.00
Quick Ratio 0.42
Current Ratio 2.43
Debt/Eq 17.80
LT Debt/Eq —
EPS (ttm) 6.44
EPS next Y 5.07
EPS Growth -41.00%
Revenue Growth -8.70%
EPS Gr Q/Q -46.80%
Rev Gr Q/Q —
Earnings (next) 2026-05-18
Earnings (prior) 2026-03-17
ROA 9.93%
ROE 24.69%
ROIC —
Gross Margin 61.41%
Oper. Margin 29.44%
Profit Margin 31.19%
Shs Outstand 121.75M
Shs Float 182.47M
Insider Own 2.57%
Instit Own 66.45%
Short Float 1.62%
Short Ratio 1.09
Short Interest 1.58M
52W High 47.00
vs 52W High -72.17%
52W Low 12.29
vs 52W Low 6.43%
Beta 0.56
Impl. Vol. 3.13%
Rel Volume 0.35
Avg Volume 1.53M
Volume 530.81K
Target (mean) $23.53
Tgt Median $24.31
Tgt Low $14.12
Tgt High $32.22
# Analysts 12
Recom None
Prev Close $12.62
Price $13.08
Change 3.65%
About

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 facilitation and post-facilitation services to financial institution partners under an 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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$23.53
Mean price target
2. Current target
$13.08
Latest analyst target
3. DCF / Fair value
$72.54
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$13.08
Low
$14.12
High
$32.22
Mean
$23.53

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-03-18 main Jefferies Buy → Buy $23
2025-11-19 down JP Morgan Overweight → Neutral $21
2025-07-02 init JP Morgan — → Overweight $65
2025-03-26 main B of A Securities Buy → Buy $53
2024-11-21 main Citigroup Buy → Buy $38
2024-03-14 main Citigroup Buy → Buy $24
2023-07-06 init B of A Securities — → Buy $25
2022-05-26 main Citigroup — → Buy $25
2020-04-24 init Morgan Stanley — → Overweight —
2019-05-14 init China Renaissance — → Buy $29
2019-01-18 init Citigroup — → Buy —
News
RSS: Latest QFIN news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-31 CHEN XIAOHUAN Director — 250,000 $12.48 $3,197,900
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
16,081.77
+14.56%
14,037.87
+4.72%
13,405.16
-3.88%
13,946.21
Operating Revenue
16,081.77
+14.56%
14,037.87
+4.72%
13,405.16
-3.88%
13,946.21
Selling General And Administration
3,128.53
+43.82%
2,175.38
-7.86%
2,360.96
-9.88%
2,619.74
Selling And Marketing Expense
2,469.55
+43.09%
1,725.88
-11.03%
1,939.88
-12.10%
2,206.95
General And Administrative Expense
658.98
+46.60%
449.50
+6.75%
421.08
+2.01%
412.79
Other Gand A
658.98
+46.60%
449.50
+6.75%
421.08
+2.01%
412.79
Reconciled Depreciation
68.12
-9.04%
74.89
+1.53%
73.76
-4.18%
76.98
Total Unusual Items
270.13
0.00
0.00
—
Total Unusual Items Excluding Goodwill
270.13
0.00
0.00
—
Special Income Charges
270.13
0.00
0.00
—
Net Income
5,989.69
-4.38%
6,264.31
+46.18%
4,285.34
+6.49%
4,024.17
Pretax Income
7,376.14
-6.54%
7,892.42
+49.55%
5,277.45
+11.28%
4,742.37
Net Interest Income
8,847.69
+28.72%
6,873.53
+29.03%
5,327.23
+45.15%
3,670.25
Interest Income
8,847.69
+28.72%
6,873.53
+29.03%
5,327.23
+45.15%
3,670.25
Gain On Sale Of Security
-175.69
0.00
+100.00%
-30.11
-51.41%
-19.89
Tax Provision
1,400.49
-14.83%
1,644.31
+62.98%
1,008.87
+36.93%
736.80
Tax Rate For Calcs
0.00
-8.80%
0.00
+8.98%
0.00
+28.30%
0.00
Tax Effect Of Unusual Items
51.33
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
5,975.64
-4.36%
6,248.12
+46.37%
4,268.58
+6.57%
4,005.57
Net Income From Continuing Operation Net Minority Interest
5,989.69
-4.38%
6,264.31
+46.18%
4,285.34
+6.49%
4,024.17
Net Income From Continuing And Discontinued Operation
5,989.69
-4.38%
6,264.31
+46.18%
4,285.34
+6.49%
4,024.17
Net Income Continuous Operations
5,975.64
-4.36%
6,248.12
+46.37%
4,268.58
+6.57%
4,005.57
Minority Interests
14.05
-13.27%
16.20
-3.35%
16.76
-9.92%
18.61
Normalized Income
5,770.88
-7.88%
6,264.31
+46.18%
4,285.34
+6.49%
4,024.17
Net Income Common Stockholders
5,989.69
-4.38%
6,264.31
+46.18%
4,285.34
+6.49%
4,024.17
Diluted EPS
44.02
+6.64%
41.28
+58.28%
26.08
+4.32%
25.00
Basic EPS
44.96
+6.95%
42.04
+57.34%
26.72
+3.81%
25.74
Basic Average Shares
133.25
-10.58%
149.01
-7.09%
160.37
+2.61%
156.29
Diluted Average Shares
136.09
-10.31%
151.72
-7.63%
164.25
+2.02%
161.01
Diluted NI Availto Com Stockholders
5,989.69
-4.38%
6,264.31
+46.18%
4,285.34
+6.49%
4,024.17
Other Non Interest Expense
1,667.74
+248.61%
478.40
-84.33%
3,053.81
-30.08%
4,367.78
Line Item Trend 2025-12-31 2024-12-31 2023-12-31
Total Assets
56,949.79
+18.32%
48,132.62
+5.05%
45,818.57
Cash And Cash Equivalents
4,696.82
+5.49%
4,452.42
+6.57%
4,177.89
Other Short Term Investments
2,852.25
-15.96%
3,394.07
+22527.15%
15.00
Receivables
3,540.09
-20.21%
4,437.03
-43.32%
7,828.12
Accounts Receivable
972.26
-56.63%
2,241.66
-26.65%
3,056.24
Gross Accounts Receivable
1,160.29
-53.84%
2,513.70
-25.56%
3,376.92
Allowance For Doubtful Accounts Receivable
-188.03
+30.88%
-272.04
+15.17%
-320.68
Other Receivables
2,567.83
+17.42%
2,186.80
-53.69%
4,722.29
Prepaid Assets
325.70
+100.29%
162.62
-21.47%
207.07
Net PPE
636.99
+75.59%
362.77
+56.89%
231.22
Goodwill And Other Intangible Assets
1,022.45
+1.14%
1,010.97
-2.05%
1,032.11
Goodwill
45.20
+6.57%
42.41
+2.92%
41.21
Other Intangible Assets
977.25
+0.90%
968.56
-2.26%
990.90
Investments And Advances
2,852.25
-15.96%
3,394.07
+22527.15%
15.00
Total Liabilities Net Minority Interest
32,792.75
+37.29%
23,886.40
+0.33%
23,808.72
Payables And Accrued Expenses
22,773.51
+35.66%
16,787.40
+10.24%
15,228.03
Payables
21,669.81
+37.29%
15,784.10
+10.40%
14,296.56
Other Payable
20,320.33
+41.84%
14,326.42
+9.53%
13,079.84
Dividends Payable
—
—
0.00
Current Accrued Expenses
1,103.71
+10.01%
1,003.30
+7.71%
931.47
Total Tax Payable
1,092.51
-4.99%
1,149.85
+26.99%
905.46
Income Tax Payable
1,092.51
-4.99%
1,149.85
+26.99%
905.46
Current Debt And Capital Lease Obligation
2,240.38
+60.35%
1,397.20
+68.80%
827.73
Current Debt
2,222.02
+62.20%
1,369.94
+71.55%
798.59
Other Current Borrowings
2,222.02
+62.20%
1,369.94
+71.55%
798.59
Current Capital Lease Obligation
18.36
-32.65%
27.26
-6.47%
29.14
Long Term Debt And Capital Lease Obligation
1,583.21
—
—
Long Term Debt
1,583.21
—
—
Non Current Deferred Liabilities
1,109.13
+14.91%
965.20
+159.67%
371.70
Non Current Deferred Revenue
788.98
+50.06%
525.76
+257.97%
146.87
Non Current Deferred Taxes Liabilities
320.15
-27.15%
439.44
+95.46%
224.82
Stockholders Equity
24,114.92
-0.31%
24,190.04
+10.27%
21,937.48
Common Stock Equity
24,114.92
-0.31%
24,190.04
+10.27%
21,937.48
Capital Stock
0.02
-4.76%
0.02
-4.55%
0.02
Common Stock
0.02
-4.76%
0.02
-4.55%
0.02
Share Issued
283.02
-4.56%
296.54
-9.19%
326.55
Ordinary Shares Number
243.82
-14.14%
283.98
-9.91%
315.23
Treasury Shares Number
39.20
+212.07%
12.56
+10.89%
11.33
Additional Paid In Capital
3,874.82
-10.71%
4,339.41
-28.39%
6,059.44
Retained Earnings
24,502.16
+16.94%
20,952.34
+28.56%
16,297.32
Gains Losses Not Affecting Retained Earnings
-195.69
-1747.67%
11.88
+134.27%
-34.66
Treasury Stock
4,066.39
+265.15%
1,113.61
+189.52%
384.64
Minority Interest
42.13
-25.01%
56.18
-22.38%
72.37
Total Equity Gross Minority Interest
24,157.04
-0.37%
24,246.22
+10.16%
22,009.86
Total Capitalization
25,698.13
—
—
Invested Capital
27,920.15
+9.23%
25,559.98
+12.42%
22,736.07
Total Debt
3,823.59
+173.66%
1,397.20
+68.80%
827.73
Capital Lease Obligations
18.36
-32.65%
27.26
-6.47%
29.14
Net Tangible Assets
23,092.46
-0.37%
23,179.07
+10.88%
20,905.37
Tangible Book Value
23,092.46
-0.37%
23,179.07
+10.88%
20,905.37
Cash Cash Equivalents And Federal Funds Sold
7,540.92
+10.80%
6,805.80
-9.96%
7,559.00
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
11,083.75
+18.63%
9,343.31
+31.26%
7,118.35
+20.19%
5,922.52
Cash Flow From Continuing Operating Activities
11,083.75
+18.63%
9,343.31
+31.26%
7,118.35
+20.19%
5,922.52
Net Income From Continuing Operations
5,975.64
-4.36%
6,248.12
+46.37%
4,268.58
+6.57%
4,005.57
Depreciation Amortization Depletion
68.12
-9.04%
74.89
+1.53%
73.76
-4.18%
76.98
Depreciation
68.12
-9.04%
74.89
+1.53%
73.76
-4.18%
76.98
Depreciation And Amortization
68.12
-9.04%
74.89
+1.53%
73.76
-4.18%
76.98
Other Non Cash Items
1,689.98
+253.25%
478.40
-84.33%
3,053.81
-30.08%
4,367.78
Stock Based Compensation
378.37
+125.74%
167.61
-9.69%
185.60
-7.08%
199.74
Operating Gains Losses
-254.01
-16699.87%
-1.51
-104.68%
32.28
-81.60%
175.41
Gain Loss On Investment Securities
0.00
0.00
-100.00%
30.11
+51.41%
19.89
Net Foreign Currency Exchange Gain Loss
-159.57
-10453.57%
-1.51
+35.82%
-2.36
-101.47%
160.22
Change In Working Capital
-953.86
+14.52%
-1,115.87
+65.22%
-3,208.62
+37.32%
-5,119.28
Change In Receivables
300.65
-88.39%
2,588.63
+709.73%
-424.55
+39.42%
-700.79
Changes In Account Receivables
300.65
-88.39%
2,588.63
+709.73%
-424.55
+39.42%
-700.79
Change In Prepaid Assets
742.01
+168.15%
-1,088.73
-1968.59%
58.27
+5803.24%
0.99
Change In Payables And Accrued Expense
182.04
-77.27%
800.95
+61.07%
497.26
+57.66%
315.40
Change In Accrued Expense
265.04
-45.43%
485.68
+822.90%
52.63
+149.82%
-105.63
Change In Payable
-83.00
-126.33%
315.27
-29.10%
444.63
+5.60%
421.04
Change In Other Working Capital
-230.58
-691.11%
-29.15
-154.71%
53.27
-88.08%
446.87
Change In Other Current Assets
22.56
+181.42%
-27.71
+1.07%
-28.01
+47.15%
-53.00
Change In Other Current Liabilities
-1,677.65
+51.17%
-3,435.88
+0.21%
-3,442.95
+30.07%
-4,923.71
Investing Cash Flow
-13,082.04
-63.65%
-7,994.08
+28.29%
-11,147.79
-51.55%
-7,355.98
Cash Flow From Continuing Investing Activities
-13,082.04
-63.65%
-7,994.08
+28.29%
-11,147.79
-51.55%
-7,355.98
Net PPE Purchase And Sale
-240.54
-57.06%
-153.15
-81.13%
-84.55
-213.48%
-26.97
Purchase Of PPE
-240.54
-57.06%
-153.15
-81.13%
-84.55
-213.48%
-26.97
Capital Expenditure
-240.54
-57.06%
-153.15
-81.13%
-84.55
-213.48%
-26.97
Net Investment Purchase And Sale
337.51
+110.13%
-3,333.22
-6167.02%
54.94
+187.43%
-62.84
Purchase Of Investment
-10,116.36
-117.95%
-4,641.66
-1768.92%
-248.36
-207.64%
-80.73
Sale Of Investment
10,453.87
+698.95%
1,308.45
+331.40%
303.30
+1595.37%
17.89
Net Business Purchase And Sale
—
-2.60
+90.08%
-26.24
-883.49%
3.35
Purchase Of Business
—
-2.60
+90.08%
-26.24
0.00
Net Other Investing Changes
-208.03
-921.12%
-20.37
+56.73%
-47.08
—
Financing Cash Flow
2,783.86
+231.66%
-2,114.46
-298.27%
1,066.46
-66.72%
3,204.07
Cash Flow From Continuing Financing Activities
2,783.86
+231.66%
-2,114.46
-298.27%
1,066.46
-66.72%
3,204.07
Net Issuance Payments Of Debt
3,070.30
+321.63%
728.20
+0.95%
721.35
+293.95%
-371.92
Issuance Of Debt
7,016.74
+242.76%
2,047.15
+128.13%
897.35
+148.55%
361.03
Repayment Of Debt
-3,946.44
-199.21%
-1,318.95
-649.41%
-176.00
+75.99%
-732.95
Long Term Debt Issuance
5,142.47
+3171.06%
157.21
+116.05%
72.77
+248.94%
20.85
Long Term Debt Payments
-1,908.69
-517159.62%
-0.37
0.00
+100.00%
-90.00
Net Long Term Debt Issuance
3,233.78
+1961.81%
156.84
+115.54%
72.77
+205.24%
-69.15
Short Term Debt Issuance
1,874.27
-0.83%
1,889.94
+129.20%
824.59
+142.40%
340.18
Short Term Debt Payments
-2,037.75
-54.54%
-1,318.59
-649.20%
-176.00
+72.63%
-642.95
Net Short Term Debt Issuance
-163.48
-128.61%
571.35
-11.91%
648.59
+314.22%
-302.77
Net Common Stock Issuance
-4,848.12
-63.06%
-2,973.19
-367.35%
-636.18
-349.56%
254.92
Common Stock Payments
-4,848.12
-63.06%
-2,973.19
-367.35%
-636.18
0.00
Common Stock Dividend Paid
-1,378.10
-9.12%
-1,262.93
-34.11%
-941.71
+4.74%
-988.59
Cash Dividends Paid
-1,378.10
-9.12%
-1,262.93
-34.11%
-941.71
+4.74%
-988.59
Repurchase Of Capital Stock
-4,848.12
-63.06%
-2,973.19
-367.35%
-636.18
0.00
Net Other Financing Charges
5,939.78
+326.26%
1,393.47
-27.54%
1,922.99
-55.38%
4,309.66
Changes In Cash
785.57
+202.66%
-765.23
+74.17%
-2,962.98
-267.34%
1,770.61
Effect Of Exchange Rate Changes
-50.45
-519.17%
12.04
+25.18%
9.62
+152.85%
-18.19
Beginning Cash Position
6,805.80
-9.96%
7,559.00
-28.09%
10,512.36
+20.00%
8,759.95
End Cash Position
7,540.92
+10.80%
6,805.80
-9.96%
7,559.00
-28.09%
10,512.36
Free Cash Flow
10,843.21
+17.99%
9,190.16
+30.66%
7,033.80
+19.31%
5,895.54
Interest Paid Supplemental Data
34.18
+83.92%
18.59
+44.43%
12.87
+18.47%
10.86
Income Tax Paid Supplemental Data
1,607.93
+27.11%
1,264.98
+48.37%
852.56
-5.79%
904.95
Change In Income Tax Payable
-24.07
-108.38%
287.12
+221.27%
89.37
+504.98%
-22.07
Change In Tax Payable
-24.07
-108.38%
287.12
+221.27%
89.37
+504.98%
-22.07
Common Stock Issuance
—
0.00
0.00
-100.00%
254.92
Earnings Losses From Equity Investments
—
—
—
19.89
Issuance Of Capital Stock
—
0.00
0.00
-100.00%
254.92
Sale Of Business
—
0.00
0.00
-100.00%
3.35
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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