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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%
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%) (below 0%: weak)
Next Y EPS Growth (4.71%) (below 0%: weak)
Next Y revenue growth (28.72%) (below 0%: weak)
Next 5Y EPS Growth (18.36%) (below 0%: weak)

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.

Target Price Range

Analyst price targets

Recommendation Rating

2.3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
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

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
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.

Source: company filings (standardised) and stockrow calculations.

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

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stockrow.com/QFIN · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com