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Qfin Holdings Inc. - Sponsored ADR

QFIN Financial Credit Services

Qfin Holdings Inc. - Sponsored ADR’s revenue for fiscal 2025 (year ended December 2025) was $2.7 billion, up 16.8% from fiscal 2024.

Revenue
−27.8%
EPS
−72.5%
Free cash flow
−55.5%
Total debt
−50.8%

Quarter to June 2026, against a year earlier

5.61 0.15 +2.75%
Market cap
$665.6M
P/E
1.3×
Fwd P/E
2.1×
Dividend yield
22.8%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.06
Sold, $m 4.89
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — 1 — — — — —
Sell — — — — — — — — — 2 — —
Insider Ownership 8.71%

Capital & Financial Ratios $m

Size
Market Cap 665.63
Revenue ttm 2,464.16
Net income ttm 854.51
Free cash flow ttm 1,296.32
Net debt Q (1,095.28)
Valuation
P/E 1.28
Forward P/E 2.11
Price / sales 0.27
Forward P/S Powerpack
Price / FCF 0.54
Price / book 0.19
Financial health
Current ratio Q 2.17
Debt / equity Q 0.12
Interest coverage Q 10.00
Growth
Revenue growth Q −27.81% (below 0%: shrinking)
Operating income growth Q −42.62% (below 0%: shrinking)
EPS, this year −58.18% (below 0%: weak)
EPS, next year A −4.71% (below 0%: weak)
Revenue, next year A −28.29% (below 0%: weak)
EPS, past 5 yrs +12.47%
EPS, next 5 yrs A −18.46% (below 0%: weak)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 0.30%
10-year low 10-year high
P/S against its own 10 years 0.32%
10-year low 10-year high
P/B against its own 10 years 16.26%
10-year low 10-year high

Dividends raised 2 years running

Yield
22.8%
Annual rate
1.24
Payout ratio
29.8%
Growth, 2021–25
+51.1%/yr
  1. 0.28 ’21
  2. 0.82 ’22 +193
  3. 0.66 ’23 −20
  4. 1.18 ’24 +79
  5. 1.46 ’25 +24
  6. 1.63 ’26e +12
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 1,067 1,397 1,486 1,529
Receivables 4,463 4,241 5,432 4,487
Inventory — — — —
Other 29 22 47 38
5,605 5,861 7,076 6,251
2023 2024 2025 Q'26
Payables 1,259 1,122 1,419 1,622
ST’ Debt 112 188 172 322
Other 1,008 576 599 355
2,803 2,394 2,911 2,882

Compound Annual Growth %

10y 5y 3y
Sales — 5.73% 4.59%
Cash Flow — 14.19% 22.67%
Earnings — 9.83% 13.65%
Book Value — 18.91% 7.97%

Earnings Trends EPS, adjusted, against the consensus

Jun 2026 Estimate 0.96 Actual 0.48

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Sep 2025 1.68 1.52 Miss by 0.16
Dec 2025 1.13 1.12 Miss by 0.01
Mar 2026 0.96 1.04 Beat by 0.08
Jun 2026 0.96 0.48 Miss by 0.48
Sep 2026 0.46 — Reports 17 November 2026

EPS $

Mar Jun Sep Dec Year
’26 1.04 0.48 — — —
’25 1.74 1.78 1.52 1.12 6.30
’24 1.02 1.22 1.74 1.71 5.66
’23 0.82 0.92 0.96 0.96 3.68
’22 1.16 0.92 0.86 0.78 3.62
’21 1.28 1.48 1.52 1.30 5.64
’20 0.18 0.82 1.18 1.18 3.50
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 567 526 — — —
’25 646 728 731 641 2,746
’24 575 572 623 581 2,352
’23 524 540 587 644 2,294
’22 681 625 583 512 2,400
’21 549 620 716 725 2,610
’20 450 473 545 611 2,079
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 304 165 — — —
’25 387 371 356 471 1,585
’24 271 268 357 383 1,280
’23 256 229 168 349 1,003
’22 224 155 202 278 859
’21 271 201 2,136 909 909
’20 — — — 816 816
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 304 165 — — —
’25 387 371 356 437 1,551
’24 271 268 357 362 1,259
’23 256 229 168 337 991
’22 224 155 200 276 855
’21 271 201 2,136 905 905
’20 — — — 814 814
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue — 45 647 1,324 2,079 2,610 2,400 2,294 2,352 2,746 2,464 +67.2% 1,969 1,712 1,813 (12.9%)
Gross margin, % — 55.96 83.61 88.25 88.20 86.46 85.66 100.00 83.10 84.37 82.15 +28.4 pt
EBT — (33) 241 426 626 1,102 688 743 1,081 1,055 772 n/m
EBT margin, % — (73.96) 37.32 32.18 30.09 42.21 28.65 32.40 45.98 38.41 31.33 +112.4 pt
Net income — (24) 174 359 536 905 581 601 856 855 855 n/m
Per share, $
Per share, $ Revenue — 0.45 6.38 9.17 13.97 16.99 15.36 14.31 15.78 20.61 20.24 +61.1%
Earnings — (0.24) (2.74) 2.49 3.60 5.90 3.74 3.76 5.76 6.42 4.24 n/m
Cash flow — (0.16) 0.41 2.96 5.48 5.91 5.49 6.25 8.59 11.89 10.65 n/m
Capex — (0.01) (0.01) (0.03) (0.02) (0.03) (0.02) (0.07) (0.14) (0.26) 0.00 +49.4%
Free cash flow — (0.17) 0.40 2.93 5.47 5.89 5.47 6.18 8.45 11.64 10.65 n/m
Book value — 0.59 6.37 7.18 9.76 15.54 17.56 19.33 22.29 25.92 30.00 +60.5%
Shares, m — 99 101 144 149 154 156 160 149 133 127 +3.8%
Valuation, ×
Valuation, × P/E — 75.00 18.46 3.91 3.43 3.94 5.44 4.04 6.53 3.08 1.28 13.8
P/S — 0.00 0.00 1.07 0.84 1.35 1.36 1.06 2.43 0.94 0.27 1.0
P/B — 0.00 2.59 1.36 1.21 1.48 1.19 0.78 1.72 0.74 0.19 1.2
EV/Sales — 0.00 0.00 0.67 0.36 0.85 0.75 0.69 1.96 0.54 — 0.6
EV/FCF — 0.00 0.00 2.00 0.59 0.64 2.12 1.60 3.71 0.98 — 1.3
Cash, $m
Cash, $m Operating cash flow — (16) 41 427 816 909 859 1,003 1,280 1,585 1,296 n/m
Capex — (1) (1) (4) (2) (4) (4) (12) (21) (34) (69) +55.0%
Free cash flow — (17) 40 423 814 905 855 991 1,259 1,551 1,296 n/m
Balance, $m
Balance, $m Working capital — 30 647 1,413 1,301 2,136 2,515 2,802 3,467 4,164 3,369 +84.9%
Net debt — 749 (277) (487) (992) (1,296) (1,467) (954) (1,210) (1,088) (1,095) n/m
Shareholders’ equity — 59 646 1,036 1,453 2,388 2,745 3,100 3,322 3,454 3,653 +66.5%
Returns, %
Returns, % ROA — (3.13) (37.69) 18.00 16.09 20.17 10.51 9.81 13.16 11.62 6.86 +14.8 pt
ROIC — (2.60) 40.52 47.31 78.67 60.97 31.71 19.93 30.52 25.22 17.05 +27.8 pt
ROE — (6.37) (78.66) 42.72 43.05 47.24 22.74 20.65 26.73 25.28 0.00 +31.7 pt
People
People Employees — 691 786 1,891 1,643 2,129 2,199 3,121 3,527 3,557 — +22.7%
Revenue/emp, $m — 0.07 0.82 0.70 1.27 1.23 1.09 0.74 0.67 0.77 — +36.2%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 25 Oct 2026

Qfin Holdings Inc. - Sponsored ADR vs peers in Credit Services (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
NAVI Navient Holdings, Inc. $827.2M — (loss-making) 12.1× −11.91% (below 0%: shrinking) +92.86% (above 0%: growing) +13.49% (above 0%: growing) 21.13% 0.00% Compare
PRAA PRA Group, Inc. $768.8M — (loss-making) 5.9× +29.37% (above 0%: growing) +40.74% (above 0%: growing) −172.63% (below 0%: shrinking) 100.00% 41.19% Compare
LU Lufax Holding Ltd. Sponsored ADR $723.6M — (loss-making) — (loss-making) +12.08% (above 0%: growing) n/m −108.45% (below 0%: shrinking) 100.00% 63.39% Compare
GDOT Green Dot Corporation $708.9M — (loss-making) 58.6× +18.19% (above 0%: growing) n/m +61.21% (above 0%: growing) 100.00% (0.13%) Compare
WRLD World Acceptance Corporation $673.1M 13.9× 12.7× +3.53% (above 0%: growing) n/m +9.97% (above 0%: growing) 100.00% 16.75% Compare
QFIN Qfin Holdings Inc. - Sponsored ADR $665.6M 1.3× 2.1× −27.81% (below 0%: shrinking) −72.53% (below 0%: shrinking) −55.53% (below 0%: shrinking) 81.04% 36.17%
OPFI OppFi Inc. $534.3M 2.7× 3.3× −11.29% (below 0%: shrinking) −72.30% (below 0%: shrinking) −18.42% (below 0%: shrinking) 85.94% 0.00% Compare
OPRT Oportun Financial Corporation $533.5M 15.3× 10.1× +3.18% (above 0%: growing) +327.27% (above 0%: growing) +21.79% (above 0%: growing) 83.30% 0.00% Compare
FINV PPDAI Group Inc. Sponsored ADR $376.9M 2.6× 3.4× +0.42% (above 0%: growing) −31.71% (below 0%: shrinking) −7,180.65% (below 0%: shrinking) 78.46% 17.42% Compare
Median of peers $691.0M 8.3× 10.1× +3.35% +40.74% −4.22% 92.97% 8.38%

All 53 Credit Services stocks →

Qfin Holdings Inc. - Sponsored ADR (QFIN) Latest News

21 Sep

Impact 4 ·
Impact 3 · · Simply Wall St.

20 Sep

Impact 4 · · GlobeNewswire

1 Sep

Impact 4 · · The Motley Fool transcript

26 Aug

Impact 4 · transcript

25 Aug

Impact 4 ·
Impact 3 · · MarketBeat transcript
Impact 3 ·

18 Aug

Impact 3 ·

6 Aug

Impact 3 ·

17 Jun

Impact 3 · transcript

2 Jun

Impact 4 · · Simply Wall St.

31 May

Impact 4 · · Insider Monkey

28 May

Impact 4 · · Insider Monkey

27 May

Impact 4 · · The Motley Fool

26 May

Impact 4 · · MarketBeat
Impact 3 · · The Motley Fool transcript
Impact 3 · · Zacks
Impact 3 · · GlobeNewswire

25 May

Impact 4 · · The Motley Fool transcript

11 May

Impact 3 · · Zacks

3 May

Impact 3 · · Simply Wall St.

1 Apr

Impact 4 · · Insider Monkey

18 Mar

Impact 4 · · MarketBeat
Impact 4 · · GuruFocus.com
Impact 3 · · Simply Wall St.

17 Mar

Impact 4 · · GlobeNewswire
Impact 3 · · Zacks

4 Mar

Impact 4 · · Simply Wall St.

9 Feb

Impact 3 · · Simply Wall St.
stockrow.com/QFIN · Data as of Oct 25, 2026 · For information only; not investment advice. · © 2026 stockrow.com