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

Fold the line items

Columns are period end dates

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