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Qfin Holdings, Inc. logo

Qfin Holdings, Inc.

QFIN

NASDAQFinancial ServicesFinancial - Credit Services

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Latest quote

$11.58

Market data unavailable

Aug 21, 3:55 PM ET

QFIN company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

98

Deep Value

Momentum

32

Weakening

Sentiment

49

Mixed

Risk resilience

38

High Risk

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AI-generated, informational only, and not investment advice.

Company profile

Industry
Financial - Credit Services
Sector
Financial Services
Headquarters
CN

Market position

Volume
1.44M
Market cap
1.51B USD

Financials

Financial snapshot

Latest / TTM

Valuation & yield

P/E (TTM)
1.44×
P/B (TTM)
0.45×
P/S (TTM)
0.58×
Dividend yield
13.30%

Profitability & efficiency

Gross margin
73.79%
Operating margin
32.37%
Net margin
28.90%

Financial health

Debt / equity
0.09×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends87%64%41%19%Gross margin, FY2021: 77.16%Gross margin, FY2022: 70.66%Gross margin, FY2023: 64.13%Gross margin, FY2024: 61.77%Gross margin, FY2025: 81.51%Operating margin, FY2021: 40.79%Operating margin, FY2022: 27.02%Operating margin, FY2023: 29.82%Operating margin, FY2024: 43.86%Operating margin, FY2025: 33.86%Net margin, FY2021: 34.76%Net margin, FY2022: 24.31%Net margin, FY2023: 26.31%Net margin, FY2024: 36.49%Net margin, FY2025: 31.04%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 77.16%. Gross margin FY2022 70.66%. Gross margin FY2023 64.13%. Gross margin FY2024 61.77%. Gross margin FY2025 81.51%. Operating margin FY2021 40.79%. Operating margin FY2022 27.02%. Operating margin FY2023 29.82%. Operating margin FY2024 43.86%. Operating margin FY2025 33.86%. Net margin FY2021 34.76%. Net margin FY2022 24.31%. Net margin FY2023 26.31%. Net margin FY2024 36.49%. Net margin FY2025 31.04%.

Income trends

Revenue

18.68B USD+8.83%

Operating income

6.33B USD-15.98%

Net income

5.8B USD-7.43%
Income trends across reported periods20.15B USD14.28B USD8.42B USD2.56B USDRevenue, FY2021: 16.64B USDRevenue, FY2022: 16.55B USDRevenue, FY2023: 16.29B USDRevenue, FY2024: 17.17B USDRevenue, FY2025: 18.68B USDOperating income, FY2021: 6.79B USDOperating income, FY2022: 4.47B USDOperating income, FY2023: 4.86B USDOperating income, FY2024: 7.53B USDOperating income, FY2025: 6.33B USDNet income, FY2021: 5.78B USDNet income, FY2022: 4.02B USDNet income, FY2023: 4.29B USDNet income, FY2024: 6.26B USDNet income, FY2025: 5.8B USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 16.64B USD. Revenue FY2022 16.55B USD. Revenue FY2023 16.29B USD. Revenue FY2024 17.17B USD. Revenue FY2025 18.68B USD. Operating income FY2021 6.79B USD. Operating income FY2022 4.47B USD. Operating income FY2023 4.86B USD. Operating income FY2024 7.53B USD. Operating income FY2025 6.33B USD. Net income FY2021 5.78B USD. Net income FY2022 4.02B USD. Net income FY2023 4.29B USD. Net income FY2024 6.26B USD. Net income FY2025 5.8B USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue18.68B USD17.17B USD16.29B USD16.55B USD16.64B USD
Cost of goods sold3.45B USD6.56B USD5.84B USD4.86B USD3.8B USD
Gross profit15.23B USD10.6B USD10.45B USD11.7B USD12.84B USD
Selling, general, and administrative—2.18B USD2.36B USD2.62B USD2.65B USD
Operating expenses8.9B USD3.08B USD5.59B USD7.23B USD6.05B USD
Interest income8.34B USD6.87B USD5.33B USD3.67B USD2.31B USD
Depreciation and amortization68.12M USD74.89M USD73.76M USD76.98M USD65.97M USD
Operating income6.33B USD7.53B USD4.86B USD4.47B USD6.79B USD
Net income5.8B USD6.26B USD4.29B USD4.02B USD5.78B USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
60%
6 beats, 3 misses, 1 met estimate
Average EPS surprise
+5.73%
10 comparable reports
Latest EPS result
1.04
Estimate 0.96 · Beat by 8.33%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates1.891.561.220.89Q1 '25BeatQ2 '25BeatQ3 '25MissQ4 '25MissQ1 '26MissQ2 '26BeatQ3 '26EstimateQ4 '26Estimate
Q1 2025, reported Mar 16, 2025: actual 1.82, estimate 1.68, surprise +8.33%, Beat. Q2 2025, reported May 19, 2025: actual 1.74, estimate 1.72, surprise +1.16%, Beat. Q3 2025, reported Aug 14, 2025: actual 1.78, estimate 1.79, surprise -0.56%, Miss. Q4 2025, reported Nov 18, 2025: actual 1.52, estimate 1.68, surprise -9.52%, Miss. Q1 2026, reported Mar 17, 2026: actual 1.12, estimate 1.13, surprise -0.88%, Miss. Q2 2026, reported May 26, 2026: actual 1.04, estimate 0.96, surprise +8.33%, Beat. Q3 2026, reported Aug 25, 2026: actual —, estimate 0.96, surprise —, Comparison unavailable. Q4 2026, reported Nov 18, 2026: actual —, estimate 1.05, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates760.39M649.9M539.4M428.91MQ1 '25BeatQ2 '25MissQ3 '25MissQ4 '25BeatQ1 '26MissQ2 '26BeatQ3 '26EstimateQ4 '26Estimate
Q1 2025, reported Mar 16, 2025: actual 613.89M USD, estimate 581.67M USD, surprise +5.54%, Beat. Q2 2025, reported May 19, 2025: actual 557.49M USD, estimate 643.84M USD, surprise -13.41%, Miss. Q3 2025, reported Aug 14, 2025: actual 603.62M USD, estimate 693.21M USD, surprise -12.92%, Miss. Q4 2025, reported Nov 18, 2025: actual 731.15M USD, estimate 664.95M USD, surprise +9.96%, Beat. Q1 2026, reported Mar 17, 2026: actual 585.1M USD, estimate 644.39M USD, surprise -9.20%, Miss. Q2 2026, reported May 26, 2026: actual 566.58M USD, estimate 476.92M USD, surprise +18.80%, Beat. Q3 2026, reported Aug 25, 2026: actual —, estimate 562.45M USD, surprise —, Comparison unavailable. Q4 2026, reported Nov 18, 2026: actual —, estimate 458.16M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$14.17

22.42% upside
Past 12 months12-month forecastHigh $15.33Average $14.17Low $13.00

Recent analyst actions

4 institutions
JefferiesmaintainBuy
B of A SecuritiesmaintainBuy

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