Saturday 17 October 2026 Export QFIN’s income statement to Excel — free account

Qfin Holdings Inc. - Sponsored ADR

Qfin Holdings Inc. - Sponsored ADR’s revenue for fiscal 2025 (year ended December 2025) was $2.7 billion, up 16.8% from fiscal 2024. In the quarter to June 2026, revenue fell 27.8%, EPS fell 72.5%, free cash flow fell 55.5% and total debt fell 50.8%, each against the same quarter a year earlier. Operating cash flow growth for three consecutive years; insiders bought in the last twelve months.

5.67 0.15 −2.58%

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Market cap: $709.5M
P/E: 1.3×
Fwd P/E: 3.6×
Dividend yield: 21.9%
F-score: 6/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.06

Total sells 4.89

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	1	—	—	—	—
Sell	—	—	—	—	—	—	—	—	—	—	2	—

Insider Ownership 8.70%

Capital & Financial Ratios $m

Market Cap 709.52

Revenue 2,464.16

Net Income 854.51

Free Cash Flow 1,296.32

Net Debt (1,095.28)

Current Ratio 2.17

Debt/Equity 0.12

P/E ratio 1.34

Fwd P/E 3.60

P/S ratio 0.28

P/B ratio 0.20

Past 5Y EPS Growth 12.47%

This Y EPS Growth (58.03%)

Next Y EPS Growth (4.71%)

Next Y revenue growth (28.72%)

Next 5Y EPS Growth (18.36%)

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 0.05%

10-year low 10-year high

P/S against its own 10 years 0.05%

10-year low 10-year high

P/B against its own 10 years 16.12%

10-year low 10-year high

Dividends

Payout Ratio 0.30

Annual Dividend Rate 1.24

Annual Dividend Yield 21.87%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	1.62	0.78 0.46
2025	1.46	0.70 0.76
2024	1.18	0.58 0.60
2023	0.66	0.16 0.50
2022	0.82	0.26 0.22 0.18 0.16
2021	0.28	0.28
2020	Powerpack

predictions special payouts not included in total or ratios

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%

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.

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	1.82	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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	—	—	15.00	7.76	6.37	11.70	9.47	13.12	13.71	17.61	Analyst estimates 2026–2028 Powerpack
	High	—	—	17.53	24.45	18.06	45.00	23.23	25.49	40.31	48.94
People
People	Employees	—	691	786	1,891	1,643	2,129	2,199	3,121	3,527	3,557
	Revenue/emp, $m	—	0.07	0.82	0.70	1.27	1.23	1.09	0.74	0.67	0.77
Income, $m
Income, $m	Revenue	—	45	647	1,324	2,079	2,610	2,400	2,294	2,352	2,746
	Gross margin, %	—	55.96	83.61	88.25	88.20	86.46	85.66	100.00	83.10	84.37
	EBT	—	(33)	241	426	626	1,102	688	743	1,081	1,055
	EBT margin, %	—	(73.96)	37.32	32.18	30.09	42.21	28.65	32.40	45.98	38.41
	Net income	—	(24)	174	359	536	905	581	601	856	855
	Depreciation	—	0	1	1	6	10	11	10	10	13
Per share, $
Per share, $	Revenue	—	0.45	6.38	9.17	13.97	16.99	15.36	14.31	15.78	20.61
	Earnings	—	(0.24)	(2.74)	2.49	3.60	5.90	3.74	3.76	5.76	6.42
	Cash flow	—	(0.16)	0.41	2.96	5.48	5.91	5.49	6.25	8.59	11.89
	Capex	—	(0.01)	(0.01)	(0.03)	(0.02)	(0.03)	(0.02)	(0.07)	(0.14)	(0.26)
	Free cash flow	—	(0.17)	0.40	2.93	5.47	5.89	5.47	6.18	8.45	11.64
	Book value	—	0.59	6.37	7.18	9.76	15.54	17.56	19.33	22.29	25.92
	Shares, m	—	99	101	144	149	154	156	160	149	133
Valuation, ×
Valuation, ×	P/E	—	75.00	18.46	3.91	3.43	3.94	5.44	4.04	6.53	3.08
	P/S	—	0.00	0.00	1.07	0.84	1.35	1.36	1.06	2.43	0.94
	P/B	—	0.00	2.59	1.36	1.21	1.48	1.19	0.78	1.72	0.74
	EV/Sales	—	0.00	0.00	0.67	0.36	0.85	0.75	0.69	1.96	0.54
	EV/FCF	—	0.00	0.00	2.00	0.59	0.64	2.12	1.60	3.71	0.98
Cash, $m
Cash, $m	Operating cash flow	—	(16)	41	427	816	909	859	1,003	1,280	1,585
	Capex	—	(1)	(1)	(4)	(2)	(4)	(4)	(12)	(21)	(34)
	Free cash flow	—	(17)	40	423	814	905	855	991	1,259	1,551
Balance, $m
Balance, $m	Working capital	—	30	647	1,413	1,301	2,136	2,515	2,802	3,467	4,164
	Total debt	—	888	16	64	47	78	66	112	188	398
	Net debt	—	749	(277)	(487)	(992)	(1,296)	(1,467)	(954)	(1,210)	(1,088)
	Shareholders’ equity	—	59	646	1,036	1,453	2,388	2,745	3,100	3,322	3,454
Returns, %
Returns, %	ROA	—	(3.13)	(37.69)	18.00	16.09	20.17	10.51	9.81	13.16	11.62
	ROIC	—	(2.60)	40.52	47.31	78.67	60.97	31.71	19.93	30.52	25.22
	ROE	—	(6.37)	(78.66)	42.72	43.05	47.24	22.74	20.65	26.73	25.28

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
JCAP Jefferson Capital, Inc.	$1.2B	8.4×	6.3×	+16.26% (above 0%: growing)	−96.40% (below 0%: shrinking)	−45.57% (below 0%: shrinking)	63.06%	45.87%	Compare
NAVI Navient Corporation	$896.6M	— (loss-making)	10.6×	−11.91% (below 0%: shrinking)	+92.86% (above 0%: growing)	+13.49% (above 0%: growing)	21.13%	0.00%	Compare
WRLD World Acceptance Corporation	$803.8M	20.3×	15.2×	+4.85% (above 0%: growing)	+432.00% (above 0%: growing)	+9.97% (above 0%: growing)	100.00%	13.88%	Compare
PRAA PRA Group, Inc.	$751.1M	— (loss-making)	6.0×	+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	$740.9M	— (loss-making)	2.4×	−4.84% (below 0%: shrinking)	n/m	−225.59% (below 0%: shrinking)	100.00%	68.30%	Compare
QFIN Qfin Holdings Inc. - Sponsored ADR	$709.5M	1.3×	3.6×	−27.81% (below 0%: shrinking)	−72.53% (below 0%: shrinking)	−55.53% (below 0%: shrinking)	81.04%	36.17%
GDOT Green Dot Corporation	$698.6M	— (loss-making)	11.6×	+18.19% (above 0%: growing)	n/m	+61.21% (above 0%: growing)	100.00%	(0.13%)	Compare
OPFI OppFi Inc.	$491.7M	1.7×	4.3×	−14.04% (below 0%: shrinking)	n/m	−3.92% (below 0%: shrinking)	86.77%	37.69%	Compare
OPRT Oportun Financial Corporation	$423.5M	22.7×	4.6×	−0.48% (below 0%: shrinking)	+13.33% (above 0%: growing)	+5.05% (above 0%: growing)	82.02%	0.00%	Compare
Median of peers	$746.0M	14.3×	6.1×	+2.19%	+40.74%	+0.57%	93.39%	25.79%

All 55 Credit Services stocks →

Qfin Holdings Inc. - Sponsored ADR (QFIN) key facts

Strength: Qfin Holdings Inc. - Sponsored ADR’s revenue for fiscal 2025 (year ended December 2025) was $2.7 billion, up 16.8% from fiscal 2024.
Qfin Holdings Inc. - Sponsored ADR (QFIN) is a Credit Services company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, QFIN traded at $5.67, a market capitalization of $709.5 million.
Qfin Holdings Inc. - Sponsored ADR pays an annual dividend of $1.24 per share, a yield of 21.9%, with a payout ratio of 29.8%.
Return on equity was 25.3% and debt-to-equity 0.12.
Its Piotroski F-score is 6 out of 9 for fiscal 2025.