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Qfin Holdings, Inc.

QFIN

$7.62 ▼ -0.25 (-3.24%) at close

9 Visible periods

29 Metrics

Peer-ranked Benchmarks

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Health

Excellent

Bullish

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Analytical Summary

Qfin Holdings, Inc. shows strong fundamentals with top-quartile Return on Common Equity (%) and Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $2.0B

Dividend Yield —

Revenue Growth 16.8% ↗

Op. Margin 34.8% ↘

ROIC 22.4% ↘

FCF / Share $5.95 ↗

Trailing P/E 2.4x

Price / Book 0.5x

FCF Yield 78.1%

Debt / Equity —

info Valuation on last close. End-of-day price, Sep 23, 2026.

9-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$2.75B

↑ +16.8% —

Net Income Profit after all expenses

$854.51M

— -0.2% —

Operating Margin Operating profit as % of sales

34.8%

↓ -20.7% 90th

FCF / Share Free cash flow per share

$5.95

↑ +38.5% —

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Financial Health ↓

Cash Quality ↑

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗	FY 2018 Dec 31, 2018 20-F ↗	FY 2017 Apr 27, 2018 20-F ↗
Revenue Growth YoY (%)	16.8% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+180%)	2.5% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-58%)	-4.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-173%)	-8.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-234%)	25.6% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+326%)	57.0% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+849%)	104.8% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1646%)	—	—
EPS Growth YoY (%)	11.5% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	53.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	0.5% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	-36.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	63.9% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	45.2% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	—	—
Net Income Growth YoY (%)	-0.2% Weak ↓ Weak Declining Year-over-year change in net income	42.4% Excellent ↑ Excellent Improving Year-over-year change in net income	3.5% Caution ↓ Caution Declining Year-over-year change in net income	-35.8% Weak ↓ Weak Declining Year-over-year change in net income	68.8% Excellent ↓ Excellent Declining Year-over-year change in net income	49.1% Excellent Excellent Year-over-year change in net income	107.0% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%)	38.5% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	37.4% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	13.8% Fair ↓ Fair Declining Year-over-year change in free cash flow	-7.1% Weak ↓ Weak Declining Year-over-year change in free cash flow	8.0% Fair ↓ Fair Declining Year-over-year change in free cash flow	85.1% Excellent Excellent Year-over-year change in free cash flow	622.9% Excellent Excellent Year-over-year change in free cash flow	—	—
Revenue CAGR 3Y (%)	4.6% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	-3.4% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	3.3% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	21.9% Excellent Excellent Compound annual revenue growth over 3 years	59.2% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	5.7% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	12.2% Excellent Excellent Compound annual revenue growth over 5 years	28.8% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	19.7% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-0.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	1.5% Caution Caution Compound annual EPS growth over 3 years	14.7% Good Good Compound annual EPS growth over 3 years	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗	FY 2018 Dec 31, 2018 20-F ↗	FY 2017 Apr 27, 2018 20-F ↗
Operating Margin (%) (%)	34.8% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+39%)	43.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+75%)	29.8% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+19%)	27.0% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+8%)	40.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+63%)	27.9% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+12%)	31.4% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+26%)	37.0% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+48%)	—
Effective Tax Rate (%) (%)	19.0% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.8% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.1% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.5% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.9% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	14.4% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.7% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.1% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	31.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+41%)	36.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+65%)	26.2% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+19%)	24.2% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+10%)	34.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+58%)	25.8% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+17%)	27.1% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+23%)	26.8% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+22%)	—
FCF Margin (%) (%)	57.7% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	54.4% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	43.7% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	35.8% Excellent → Excellent Stable Free cash flow as a percentage of revenue Optimal: > 10%	34.8% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	39.3% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	32.2% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	6.4% Caution Caution Free cash flow as a percentage of revenue Optimal: > 10%	—
FCF / Net Income (x)	1.85x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	1.50x Good ↑ Good Improving Free cash flow relative to reported net income Optimal: > 1x	1.67x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	1.48x Good ↑ Good Improving Free cash flow relative to reported net income Optimal: > 1x	1.00x Fair → Fair Stable Free cash flow relative to reported net income Optimal: > 1x	1.52x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	1.19x Fair Fair Free cash flow relative to reported net income Optimal: > 1x	0.24x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	—

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗	FY 2018 Dec 31, 2018 20-F ↗	FY 2017 Apr 27, 2018 20-F ↗
Return on Invested Capital (%)	22.4% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	24.6% Excellent → Excellent Stable Return earned on debt + equity capital invested Optimal: > 10%	17.9% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	20.0% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	36.6% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	34.2% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	33.8% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	26.6% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	—
Return on Capital (%) (%)	11.7% Good ↓ Good Declining Operating profit relative to total assets Optimal: > 10%	15.6% Excellent ↑ Excellent Improving Operating profit relative to total assets Optimal: > 10%	10.6% Good ↓ Good Declining Operating profit relative to total assets Optimal: > 10%	11.1% Good ↓ Good Declining Operating profit relative to total assets Optimal: > 10%	20.3% Excellent ↑ Excellent Improving Operating profit relative to total assets Optimal: > 10%	15.5% Excellent ↓ Excellent Declining Operating profit relative to total assets Optimal: > 10%	14.2% Good Good Operating profit relative to total assets Optimal: > 10%	22.4% Excellent Excellent Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	24.8% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+106%)	25.8% Excellent → Excellent Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+115%)	19.5% Good ↓ Good Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+62%)	21.3% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+77%)	37.9% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+216%)	36.9% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+207%)	34.7% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+189%)	26.9% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+124%)	—

⚖️ Is the balance sheet risky? 2 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗	FY 2018 Dec 31, 2018 20-F ↗	FY 2017 Apr 27, 2018 20-F ↗
Interest Coverage (x)	195.38x Excellent ↓ Excellent Declining Operating income divided by interest expense Optimal: > 5x	405.11x Excellent ↓ Excellent Declining Operating income divided by interest expense Optimal: > 5x	377.53x Excellent ↓ Excellent Declining Operating income divided by interest expense Optimal: > 5x	411.69x Excellent → Excellent Stable Operating income divided by interest expense Optimal: > 5x	493.24x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	661.58x Excellent Excellent Operating income divided by interest expense Optimal: > 5x	43.99x Excellent Excellent Operating income divided by interest expense Optimal: > 5x	—	—
Net Debt (USD)	$-671.64M	$-609.98M	$-588.44M	$-1.04B	$-959.79M	$-677.15M	$-302.81M	$-210.28M	—

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗	FY 2018 Dec 31, 2018 20-F ↗	FY 2017 Apr 27, 2018 20-F ↗
Revenue per Share (USD)	$10.31	$7.89	$7.15	$7.68	$8.50	$6.97	$4.59	$3.19	—
Basic EPS, GAAP (USD)	$3.21	$2.88	$1.88	$1.87	$2.95	$1.80	$1.24	$-1.37	—
Free Cash Flow per Share (USD)	$5.95	$4.30	$3.13	$2.75	$2.96	$2.74	$1.48	$0.20	—
Book Value per Share (USD)	$14.14	$11.67	$9.80	$8.47	$7.68	$4.77	$3.53	$2.25	—
Tangible Book Value per Share (USD)	$14.11	$11.64	$9.78	$8.46	$7.68	$4.77	$3.53	$2.24	—
Basic Weighted Avg Shares (shares)	266.50M	298.01M	320.75M	312.59M	307.27M	298.22M	288.83M	202.75M	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗	FY 2018 Dec 31, 2018 20-F ↗	FY 2017 Apr 27, 2018 20-F ↗
Working Capital (USD)	$4.16B	$3.47B	$2.80B	$2.52B	$2.14B	$1.30B	$1.41B	$646.97M	—
Total Equity (USD)	$3.45B	$3.31B	$3.09B	$2.73B	$2.39B	$1.45B	$1.04B	$645.80M	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗	FY 2018 Dec 31, 2018 20-F ↗	FY 2017 Apr 27, 2018 20-F ↗
Sales/Revenue/Turnover (USD)	$2.75B	$2.35B	$2.29B	$2.40B	$2.61B	$2.08B	$1.32B	$646.79M	—
Depreciation Expense (USD)	$9.74M	$10.26M	$10.39M	$11.16M	$10.35M	$5.53M	$1.10M	$547.00K	$3.41M
Net Income, GAAP (USD)	$854.51M	$855.99M	$601.22M	$580.75M	$904.58M	$535.74M	$359.29M	$173.56M	—
Operating Cash Flow (USD)	$1.58B	$1.28B	$1.00B	$858.68M	$908.53M	$816.22M	$427.06M	$41.47M	—

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Synced yesterday 9 years · 9 quarters

Qfin Holdings, Inc.

Analytical Summary

9-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

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