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

	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21	Dec '22	Dec '23	Dec '24	Dec '25
Piotroski F-Score Full definition →	—	—	5	4	6	4	5	7	6
P/E ratio Full definition →	75.00	18.46	3.91	3.43	3.94	5.44	4.04	6.53	3.08
P/S ratio Full definition →	0.00	0.00	1.07	0.84	1.35	1.36	1.06	2.43	0.94
P/FCF ratio Full definition →	0.00	0.00	3.16	1.37	1.01	3.85	2.47	4.60	1.69
P/Operating CF Full definition →	27.07	(88.21)	3.30	2.15	3.88	11.75	6.94	14.91	5.45
P/B ratio Full definition →	0.00	2.59	1.36	1.21	1.48	1.19	0.78	1.72	0.74
Price to Tangible BV Full definition →	0.00	2.59	1.36	1.21	1.48	1.26	0.78	1.80	0.78
EV/Sales Full definition →	0.00	0.00	0.67	0.36	0.85	0.75	0.69	1.96	0.54
EV/EBITDA Full definition →	0.00	0.00	2.15	1.12	1.99	2.48	2.03	4.15	1.43
EV/Operating CF Full definition →	0.00	0.00	1.97	0.58	0.63	2.10	1.57	3.61	0.93
EV/FCF Full definition →	0.00	0.00	2.00	0.59	0.64	2.12	1.60	3.71	0.98
Quick Ratio Full definition →	1.07	2.22	1.85	1.54	1.87	1.99	1.97	2.36	2.38
Current Ratio Full definition →	1.09	2.54	2.02	1.63	1.96	2.04	2.00	2.45	2.43
Net Debt/EBITDA Full definition →	(22.38)	(1.15)	(1.04)	(1.46)	(1.15)	(2.00)	(1.22)	(1.08)	(1.04)
Debt/Assets Full definition →	221.51%	1.50%	2.18%	1.25%	1.49%	1.12%	1.74%	2.85%	4.89%
Debt/Equity Full definition →	15.18	0.02	0.06	0.03	0.03	0.02	0.04	0.06	0.12
Asset Turnover Full definition →	0.06	0.88	0.66	0.62	0.58	0.43	0.37	0.36	0.37
Operating CF/Net income Full definition →	0.67	(0.15)	1.19	1.52	1.00	1.47	1.66	1.49	1.85
Capex/Depreciation Full definition →	(5.45)	(2.27)	(3.34)	(0.42)	(0.38)	(0.35)	(1.15)	(2.04)	(2.66)
Interest Coverage Full definition →	—	—	9.39	7.36	21.11	9.87	8.53	13.74	13.17
ROE Full definition →	(6.37%)	(78.66%)	42.72%	43.05%	47.24%	22.74%	20.65%	26.73%	25.28%
ROA Full definition →	(3.13%)	(37.69%)	18.00%	16.09%	20.17%	10.51%	9.81%	13.16%	11.62%
ROIC Full definition →	(2.60%)	40.52%	47.31%	78.67%	60.97%	31.71%	19.93%	30.52%	25.22%
Return on Tangible Assets Full definition →	(77.30%)	(42.75%)	25.39%	41.08%	42.39%	23.13%	21.29%	24.40%	20.13%
Average Days of Receivables Full definition →	1,854.63	363.09	557.49	370.96	389.20	501.66	709.95	658.18	722.01
Research and Development Expense of Revenue Full definition →	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Selling, General and Administrative Expense of Revenue Full definition →	126.70%	42.53%	35.57%	11.32%	15.92%	15.83%	14.49%	12.67%	16.29%
Intangible Assets out of Total Assets Full definition →	0.00	0.00	0.00	0.00	0.00	0.02	0.00	0.02	0.02
Share Based Compensation of Revenue Full definition →	0.00%	13.66%	2.72%	2.22%	1.53%	1.21%	1.14%	0.98%	1.97%
Graham Net Nets Full definition →	(0.27)	0.39	0.65	0.61	0.42	0.56	0.93	0.45	0.93
Graham Number Full definition →	0.00	0.00	20.09	27.49	45.11	38.95	40.33	54.31	60.43
Earnings Yield Full definition →	1.33%	5.42%	25.59%	29.18%	25.38%	18.37%	24.75%	15.32%	32.49%
Free Cash Flow Yield Full definition →	0.00%	0.00%	31.64%	72.79%	99.50%	25.97%	40.56%	21.74%	59.03%
Revenue per Share Full definition →	0.45	6.38	9.17	13.97	16.99	15.36	14.31	15.78	20.61
Operating CF per Share Full definition →	(0.16)	0.41	2.96	5.48	5.91	5.49	6.25	8.59	11.89
Capex per Share Full definition →	(0.01)	(0.01)	(0.03)	(0.02)	(0.03)	(0.02)	(0.07)	(0.14)	(0.26)
Free Cash Flow per Share Full definition →	(0.17)	0.40	2.93	5.47	5.89	5.47	6.18	8.45	11.64
Cash per Share Full definition →	1.40	2.89	3.82	6.97	8.95	9.80	6.65	9.38	11.15
Shareholders Equity per Share Full definition →	0.59	6.37	7.18	9.76	15.54	17.56	19.33	22.29	25.92
Interest Debt per Share Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Book value per Share Full definition →	0.59	6.37	7.18	9.76	15.54	17.56	19.33	22.29	25.92
Free Cash Flow Full definition →	(17.19)	40.22	423.39	813.88	904.56	854.77	990.69	1,259.05	1,550.56
Working Capital Full definition →	30.46	646.97	1,412.90	1,301.38	2,136.34	2,515.16	2,802.35	3,467.23	4,164.34
Capital Expenditures Full definition →	(1.03)	(1.24)	(3.67)	(2.34)	(3.97)	(3.91)	(11.91)	(20.98)	(34.40)
Net Current Asset Value Full definition →	30.46	644.68	913.93	1,068.17	1,485.87	1,839.24	2,251.77	2,588.49	2,386.45
EV/EBIT Full definition →	0.00	0.00	1.92	1.12	1.99	2.49	2.03	4.15	1.43
Capex to Sales Full definition →	0.02	0.00	0.00	0.00	0.00	0.00	0.01	0.01	0.01
Price to Operating Income Full definition →	0.00	0.00	3.39	3.02	3.31	5.04	3.54	5.54	2.69
Other line items
Depreciation/Fixed assets Full definition →	0.22	0.55	0.45	1.86	2.65	1.62	0.32	0.21	0.14
Cash ROIC Full definition →	(1.58%)	4.21%	25.64%	32.07%	23.55%	19.68%	23.15%	25.66%	29.04%
Accounts Receivable Turnover Full definition →	0.10	1.48	0.99	1.01	1.07	0.79	0.59	0.54	0.57
Accounts Payable Turnover Full definition →	0.33	1.74	0.46	0.44	0.84	0.55	0.35	0.33	0.34
Inventory Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Days of Payables Full definition →	1,439.87	150.38	1,490.40	710.96	373.49	938.01	1,227.08	1,030.37	1,206.47
Days of Inventory on Hand Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Receivables Full definition →	436.03	436.03	1,333.09	2,067.74	2,448.13	3,041.14	3,880.74	4,351.68	4,836.52
Average Payables Full definition →	60.93	60.93	339.56	556.61	419.71	622.99	1,071.92	1,190.65	1,270.36
Average Assets Full definition →	773.50	734.93	1,996.44	3,330.71	4,497.59	5,553.44	6,151.31	6,523.78	7,368.93
Average Common Equity Full definition →	380.00	352.15	841.07	1,244.69	1,920.43	2,566.30	2,922.40	3,210.87	3,388.06

Show all line items

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