Qfin Holdings, Inc.
QFIN Nasdaq· Finance Services
Last close · Oct 23, 2026
$5.26
KIRA · Stoqly’s AI analyst, in plain words
- Qfin Holdings, Inc. had $2.7B of revenue in fiscal 2025, up 12.0% on the year before. Over five years, revenue changed +6.3% a year on average.
- Its operating margin was 34.8%, down 9.1 pts: of every 100 in sales, about 35 is left after running the business.
- Qfin Holdings, Inc. made $831M of net profit in fiscal 2025. From fiscal 2017 to 2025, diluted EPS grew 49.5% a year.
- Free cash flow was $1.5B in fiscal 2025, 56.5% of revenue.
- Qfin Holdings, Inc. returned $675M to shareholders in fiscal 2025, 45% of free cash flow. The diluted share count fell 10.3%.
Market cap
$716M
P/E
0.9x
Revenue
$2.7B
Net income
$831M
Free cash flow
$1.5B
Operating margin
34.8%
Qfin Holdings, Inc. in 30 seconds · fiscal 2025
Are sales growing?
+12.0%
Yes. Sales grew 12.0% last year.
Does it make a profit?
31.1%
Yes. It keeps 31.1% of every sale as profit.
Does profit turn into cash?
56.5%
Yes. 56.5% of sales ends up as free cash.
How healthy are the accounts?
5 / 8
Mixed. It passes 5 of 8 health tests.
How is the share priced?
0.9x
One share costs 0.9 times its yearly profit per share.
What Qfin Holdings, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 20-F · Apr 27, 2026
- Legal name
- Qfin Holdings, Inc.
- CIK
- 0001741530
Qfin Holdings, Inc. · QFIN
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $2.6B | $2.5B | $2.3B | $2.4B | $2.7B |
| Revenue growth | 31.2% | −4.7% | −6.5% | 3.7% | 12.0% |
| Net interest income | $19.6M | — | — | — | — |
| Gross margin | 86.5% | 85.7% | 83.7% | 83.1% | 84.4% |
| Operating margin | 40.8% | 27.0% | 29.8% | 43.9% | 34.8% |
| Net income | $894M | $595M | $603M | $868M | $831M |
| Net margin | 34.7% | 24.2% | 26.2% | 36.4% | 31.1% |
| Diluted EPS | $5.58 | $3.71 | $3.68 | $5.74 | $6.12 |
| Cash | |||||
| Cash from operations | $898M | $880M | $1.0B | $1.3B | $1.5B |
| Capital expenditure | $3.9M | $4.0M | $11.9M | $21.3M | $33.5M |
| Free cash flow | $894M | $876M | $993M | $1.3B | $1.5B |
| FCF margin | 34.7% | 35.6% | 43.2% | 53.5% | 56.5% |
| Share buybacks | — | — | $89.8M | $413M | $675M |
| Share count change | 4.8% | 0.2% | 2.0% | −7.6% | −10.3% |
| Debt and strength | |||||
| Cash and short-term investments | $963M | $1.0B | $590M | $1.1B | $1.1B |
| Debt incl. finance leases | — | $2.6M | $12.8M | $33.9M | — |
| Loans, net | $771M | — | — | — | — |
| Shareholders' equity | $2.4B | $2.7B | $3.1B | $3.3B | $3.4B |
| Net debt / EBITDA | — | −1.5x | −0.8x | −1.0x | — |
| Current ratio | 2.0x | 2.0x | 2.0x | 2.4x | 2.4x |
| Returns and quality | |||||
| Return on capital | — | 33.2% | 22.1% | 36.4% | — |
| Return on equity | 46.5% | 23.2% | 20.7% | 27.1% | 24.6% |
| Return on tangible equity | 37.5% | 21.9% | 19.6% | 26.3% | 24.2% |
| Piotroski F-score | 5 | 4 | 3 | 7 | 5 |
| Altman Z'' | 5.8 | 5.5 | 5.7 | 7.0 | 6.3 |
Insiders bought, 12 months
$2.5M
1 insider
Insiders sold, 12 months
$4.9M
1 insider
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
Qfin Holdings, Inc. · QFIN
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
KIRA
At $5.26 a share, the company is worth $716M: 0.9 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001741530). Data updated October 24, 2026. Filed in CNY under US GAAP and converted to US$: income and cash-flow lines at each period's average exchange rate, balance-sheet lines at the period-end rate. For information only — not investment advice. Check the original filings before relying on any figure.