Saturday 17 October 2026
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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. 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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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | |
|---|---|---|---|---|---|---|---|---|---|
Piotroski F-Score |
6 | 7 | 5 | 4 | 6 | 4 | 5 | — | — |
P/E ratio |
3.08 | 6.53 | 4.04 | 5.44 | 3.94 | 3.43 | 3.91 | 18.46 | 75.00 |
P/S ratio |
0.94 | 2.43 | 1.06 | 1.36 | 1.35 | 0.84 | 1.07 | 0.00 | 0.00 |
P/FCF ratio |
1.69 | 4.60 | 2.47 | 3.85 | 1.01 | 1.37 | 3.16 | 0.00 | 0.00 |
P/Operating CF |
5.45 | 14.91 | 6.94 | 11.75 | 3.88 | 2.15 | 3.30 | (88.21) | 27.07 |
P/B ratio |
0.74 | 1.72 | 0.78 | 1.19 | 1.48 | 1.21 | 1.36 | 2.59 | 0.00 |
Price to Tangible BV |
0.78 | 1.80 | 0.78 | 1.26 | 1.48 | 1.21 | 1.36 | 2.59 | 0.00 |
EV/Sales |
0.54 | 1.96 | 0.69 | 0.75 | 0.85 | 0.36 | 0.67 | 0.00 | 0.00 |
EV/EBITDA |
1.43 | 4.15 | 2.03 | 2.48 | 1.99 | 1.12 | 2.15 | 0.00 | 0.00 |
EV/Operating CF |
0.93 | 3.61 | 1.57 | 2.10 | 0.63 | 0.58 | 1.97 | 0.00 | 0.00 |
EV/FCF |
0.98 | 3.71 | 1.60 | 2.12 | 0.64 | 0.59 | 2.00 | 0.00 | 0.00 |
Quick Ratio |
2.38 | 2.36 | 1.97 | 1.99 | 1.87 | 1.54 | 1.85 | 2.22 | 1.07 |
Current Ratio |
2.43 | 2.45 | 2.00 | 2.04 | 1.96 | 1.63 | 2.02 | 2.54 | 1.09 |
Net Debt/EBITDA |
(1.04) | (1.08) | (1.22) | (2.00) | (1.15) | (1.46) | (1.04) | (1.15) | (22.38) |
Debt/Assets |
4.89% | 2.85% | 1.74% | 1.12% | 1.49% | 1.25% | 2.18% | 1.50% | 221.51% |
Debt/Equity |
0.12 | 0.06 | 0.04 | 0.02 | 0.03 | 0.03 | 0.06 | 0.02 | 15.18 |
Asset Turnover |
0.37 | 0.36 | 0.37 | 0.43 | 0.58 | 0.62 | 0.66 | 0.88 | 0.06 |
Operating CF/Net income |
1.85 | 1.49 | 1.66 | 1.47 | 1.00 | 1.52 | 1.19 | (0.15) | 0.67 |
Capex/Depreciation |
(2.66) | (2.04) | (1.15) | (0.35) | (0.38) | (0.42) | (3.34) | (2.27) | (5.45) |
Interest Coverage |
13.17 | 13.74 | 8.53 | 9.87 | 21.11 | 7.36 | 9.39 | — | — |
| 25.28% | 26.73% | 20.65% | 22.74% | 47.24% | 43.05% | 42.72% | (78.66%) | (6.37%) | |
| 11.62% | 13.16% | 9.81% | 10.51% | 20.17% | 16.09% | 18.00% | (37.69%) | (3.13%) | |
ROIC |
25.22% | 30.52% | 19.93% | 31.71% | 60.97% | 78.67% | 47.31% | 40.52% | (2.60%) |
Return on Tangible Assets |
20.13% | 24.40% | 21.29% | 23.13% | 42.39% | 41.08% | 25.39% | (42.75%) | (77.30%) |
Average Days of Receivables |
722.01 | 658.18 | 709.95 | 501.66 | 389.20 | 370.96 | 557.49 | 363.09 | 1,854.63 |
Research and Development Expense of Revenue |
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 |
16.29% | 12.67% | 14.49% | 15.83% | 15.92% | 11.32% | 35.57% | 42.53% | 126.70% |
Intangible Assets out of Total Assets |
0.02 | 0.02 | 0.00 | 0.02 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
1.97% | 0.98% | 1.14% | 1.21% | 1.53% | 2.22% | 2.72% | 13.66% | 0.00% |
Graham Net Nets |
0.93 | 0.45 | 0.93 | 0.56 | 0.42 | 0.61 | 0.65 | 0.39 | (0.27) |
Graham Number |
60.43 | 54.31 | 40.33 | 38.95 | 45.11 | 27.49 | 20.09 | 0.00 | 0.00 |
Earnings Yield |
32.49% | 15.32% | 24.75% | 18.37% | 25.38% | 29.18% | 25.59% | 5.42% | 1.33% |
Free Cash Flow Yield |
59.03% | 21.74% | 40.56% | 25.97% | 99.50% | 72.79% | 31.64% | 0.00% | 0.00% |
Revenue per Share |
20.61 | 15.78 | 14.31 | 15.36 | 16.99 | 13.97 | 9.17 | 6.38 | 0.45 |
Operating CF per Share |
11.89 | 8.59 | 6.25 | 5.49 | 5.91 | 5.48 | 2.96 | 0.41 | (0.16) |
Capex per Share |
(0.26) | (0.14) | (0.07) | (0.02) | (0.03) | (0.02) | (0.03) | (0.01) | (0.01) |
Free Cash Flow per Share |
11.64 | 8.45 | 6.18 | 5.47 | 5.89 | 5.47 | 2.93 | 0.40 | (0.17) |
Cash per Share |
11.15 | 9.38 | 6.65 | 9.80 | 8.95 | 6.97 | 3.82 | 2.89 | 1.40 |
Shareholders Equity per Share |
25.92 | 22.29 | 19.33 | 17.56 | 15.54 | 9.76 | 7.18 | 6.37 | 0.59 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
25.92 | 22.29 | 19.33 | 17.56 | 15.54 | 9.76 | 7.18 | 6.37 | 0.59 |
Free Cash Flow |
1,550.56 | 1,259.05 | 990.69 | 854.77 | 904.56 | 813.88 | 423.39 | 40.22 | (17.19) |
Working Capital |
4,164.34 | 3,467.23 | 2,802.35 | 2,515.16 | 2,136.34 | 1,301.38 | 1,412.90 | 646.97 | 30.46 |
Capital Expenditures |
(34.40) | (20.98) | (11.91) | (3.91) | (3.97) | (2.34) | (3.67) | (1.24) | (1.03) |
Net Current Asset Value |
2,386.45 | 2,588.49 | 2,251.77 | 1,839.24 | 1,485.87 | 1,068.17 | 913.93 | 644.68 | 30.46 |
EV/EBIT |
1.43 | 4.15 | 2.03 | 2.49 | 1.99 | 1.12 | 1.92 | 0.00 | 0.00 |
Capex to Sales |
0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.02 |
Price to Operating Income |
2.69 | 5.54 | 3.54 | 5.04 | 3.31 | 3.02 | 3.39 | 0.00 | 0.00 |
| Other line items | |||||||||
Depreciation/Fixed assets |
0.14 | 0.21 | 0.32 | 1.62 | 2.65 | 1.86 | 0.45 | 0.55 | 0.22 |
Cash ROIC |
29.04% | 25.66% | 23.15% | 19.68% | 23.55% | 32.07% | 25.64% | 4.21% | (1.58%) |
Accounts Receivable Turnover |
0.57 | 0.54 | 0.59 | 0.79 | 1.07 | 1.01 | 0.99 | 1.48 | 0.10 |
Accounts Payable Turnover |
0.34 | 0.33 | 0.35 | 0.55 | 0.84 | 0.44 | 0.46 | 1.74 | 0.33 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
1,206.47 | 1,030.37 | 1,227.08 | 938.01 | 373.49 | 710.96 | 1,490.40 | 150.38 | 1,439.87 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Receivables |
4,836.52 | 4,351.68 | 3,880.74 | 3,041.14 | 2,448.13 | 2,067.74 | 1,333.09 | 436.03 | 436.03 |
Average Payables |
1,270.36 | 1,190.65 | 1,071.92 | 622.99 | 419.71 | 556.61 | 339.56 | 60.93 | 60.93 |
Average Assets |
7,368.93 | 6,523.78 | 6,151.31 | 5,553.44 | 4,497.59 | 3,330.71 | 1,996.44 | 734.93 | 773.50 |
Average Common Equity |
3,388.06 | 3,210.87 | 2,922.40 | 2,566.30 | 1,920.43 | 1,244.69 | 841.07 | 352.15 | 380.00 |
Columns are period end dates