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Qfin Holdings, Inc.

QFIN Clue Score71
Cayman Islands Fiscal year ends December CIK 0001741530
$6.20 +1.72% Close, 9 Oct 2026
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Price $6.20 −71.01% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 14 Dec 2018. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueOperating incomeNet income
Fiscal year 2017Revenue0.79Operating income0.21Net income0.16EPS, diluted0.83Fiscal year 2018Revenue4.45 +464.2%Operating income1.64Net income1.19 +623.8%EPS, diluted−9.39 −1,231.3%Fiscal year 2019Revenue9.22 +107.3%Operating income2.89Net income2.50 +109.6%EPS, diluted8.31Fiscal year 2020Revenue13.56 +47.1%Operating income3.79Net income3.50 +39.8%EPS, diluted11.40 +37.2%Fiscal year 2021Revenue16.64 +22.6%Operating income6.79Net income5.76 +64.9%EPS, diluted17.99 +57.8%Fiscal year 2022Revenue16.55 −0.5%Operating income4.47Net income4.01 −30.5%EPS, diluted12.50 −30.5%Fiscal year 2023Revenue16.29 −1.6%Operating income4.86Net income4.27 +6.6%EPS, diluted13.04 +4.3%Fiscal year 2024Revenue17.17 +5.4%Operating income7.53Net income6.25 +46.4%EPS, diluted20.64 +58.3%Fiscal year 2025Revenue19.21 +11.9%Operating income6.68Net income5.98 −4.4%EPS, diluted22.01 +6.6%
FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 0.79 4.45 9.22 13.56 16.64 16.55 16.29 17.17 19.21
Growth +464.2% +107.3% +47.1% +22.6% −0.5% −1.6% +5.4% +11.9%
Operating income 0.21 1.64 2.89 3.79 6.79 4.47 4.86 7.53 6.68
Net income 0.16 1.19 2.50 3.50 5.76 4.01 4.27 6.25 5.98
Growth +623.8% +109.6% +39.8% +64.9% −30.5% +6.6% +46.4% −4.4%
EPS, diluted 0.83 −9.39 8.31 11.40 17.99 12.50 13.04 20.64 22.01
Growth −1,231.3% +37.2% +57.8% −30.5% +4.3% +58.3% +6.6%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Operating marginNet margin
Fiscal year 2017Operating margin26.7%Net margin20.9%Free cash flow margin−15.0%Fiscal year 2018Operating margin37.0%Net margin26.8%Free cash flow margin6.2%Fiscal year 2019Operating margin31.4%Net margin27.1%Free cash flow margin32.0%Fiscal year 2020Operating margin27.9%Net margin25.8%Free cash flow margin39.2%Fiscal year 2021Operating margin40.8%Net margin34.7%Free cash flow margin34.7%Fiscal year 2022Operating margin27.0%Net margin24.2%Free cash flow margin35.6%Fiscal year 2023Operating margin29.8%Net margin26.2%Free cash flow margin43.2%Fiscal year 2024Operating margin43.9%Net margin36.4%Free cash flow margin53.5%Fiscal year 2025Operating margin34.8%Net margin31.1%Free cash flow margin56.5%
FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating margin 26.7% 37.0% 31.4% 27.9% 40.8% 27.0% 29.8% 43.9% 34.8%
Net margin 20.9% 26.8% 27.1% 25.8% 34.7% 24.2% 26.2% 36.4% 31.1%
Free cash flow margin −15.0% 6.2% 32.0% 39.2% 34.7% 35.6% 43.2% 53.5% 56.5%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2017Operating cash flow−0.11Capital expenditure−0.01Free cash flow−0.12Fiscal year 2018Operating cash flow0.29Capital expenditure−0.01Free cash flow0.28Fiscal year 2019Operating cash flow2.97Capital expenditure−0.03Free cash flow2.95 +965.8%Fiscal year 2020Operating cash flow5.33Capital expenditure−0.02Free cash flow5.31 +80.2%Fiscal year 2021Operating cash flow5.79Capital expenditure−0.03Free cash flow5.76 +8.5%Fiscal year 2022Operating cash flow5.92Capital expenditure−0.03Free cash flow5.90 +2.3%Fiscal year 2023Operating cash flow7.12Capital expenditure−0.08Free cash flow7.03 +19.3%Buybacks−0.64Fiscal year 2024Operating cash flow9.34Capital expenditure−0.15Free cash flow9.19 +30.7%Buybacks−2.97Fiscal year 2025Operating cash flow11.08Capital expenditure−0.24Free cash flow10.84 +18.0%Buybacks−4.85
FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow −0.11 0.29 2.97 5.33 5.79 5.92 7.12 9.34 11.08
Capital expenditure −0.01 −0.01 −0.03 −0.02 −0.03 −0.03 −0.08 −0.15 −0.24
Free cash flow −0.12 0.28 2.95 5.31 5.76 5.90 7.03 9.19 10.84
Growth +965.8% +80.2% +8.5% +2.3% +19.3% +30.7% +18.0%
Buybacks n/a n/a n/a n/a n/a n/a −0.64 −2.97 −4.85

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2017Cash0.47Shareholders’ equity0.73Fiscal year 2018Cash1.45Shareholders’ equity4.44Fiscal year 2019Cash2.11Shareholders’ equity7.21Fiscal year 2020Cash4.42Shareholders’ equity9.48Fiscal year 2021Cash6.12Shareholders’ equity15.20Fiscal year 2022Cash7.17Total debt0.02Net cash (debt)7.15Shareholders’ equity18.85Debt to equity0.00Fiscal year 2023Cash4.18Total debt0.09Net cash (debt)4.09Shareholders’ equity21.94Debt to equity0.00Fiscal year 2024Cash4.45Total debt0.25Net cash (debt)4.20Shareholders’ equity24.19Debt to equity0.01Fiscal year 2025Cash4.70Shareholders’ equity24.11
FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 0.47 1.45 2.11 4.42 6.12 7.17 4.18 4.45 4.70
Total debt n/a n/a n/a n/a n/a 0.02 0.09 0.25 n/a
Net cash (debt) n/a n/a n/a n/a n/a 7.15 4.09 4.20 n/a
Shareholders’ equity 0.73 4.44 7.21 9.48 15.20 18.85 21.94 24.19 24.11
Debt to equity n/a n/a n/a n/a n/a 0.00 0.00 0.01 n/a

In billions of CNY, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
26.7% 37.0% 31.4% 27.9% 40.8% 27.0% 29.8% 43.9% 34.8%
27.0% 37.3% 32.2% 30.1% 42.2% 28.6% 32.4% 46.0% 38.4%
20.9% 26.8% 27.1% 25.8% 34.7% 24.2% 26.2% 36.4% 31.1%
−15.0% 6.2% 32.0% 39.2% 34.7% 35.6% 43.2% 53.5% 56.5%
Spending
5.8% 12.6% 4.6% 3.4% 3.4% 2.5% 2.6% 2.6% 3.4%
0.9% 0.2% 0.3% 0.1% 0.2% 0.2% 0.5% 0.9% 1.3%
22.6% 28.1% 15.7% 14.4% 17.9% 15.5% 19.1% 20.8% 19.0%
Returns
22.5% 26.9% 34.7% 36.9% 37.9% 21.3% 19.5% 25.8% 24.8%
5.3% 16.2% 12.3% 14.3% 17.2% 9.9% 9.3% 13.0% 10.5%
Balance and payout
n/a n/a n/a n/a n/a 0.00 0.00 0.01 n/a
76.3% 39.6% 64.6% 61.1% 54.6% 53.1% 52.0% 49.6% 57.6%
n/a n/a n/a n/a n/a n/a 9.0% 32.4% 44.7%

Shown in CNY as filed; the screener converts to dollars.