QFINNasdaqFinance ServicesFiscal year ends December 31Also trades as QFNHF
Qfin Holdings, Inc.
Financials through fiscal 2025, year ended Dec 31, 2025Last filing: 20-F on Apr 27, 2026
$5.58−0.09 (-1.59%)
Close on Oct 19, 2026
Qfin statistics
Financials through Dec 31, 2025, price-based ratios appear once a share price is available, median of Finance Services companies for comparison
Valuation
| Measure | Qfin | Industry median |
|---|---|---|
| Market Cap | CN¥4.55B | CN¥467.50M |
| Enterprise Value | -CN¥2.95B | CN¥3.60M |
| PE Ratio | 0.85 | 0.97 |
| PS Ratio | 0.24 | 0.35 |
| PB Ratio | 0.19 | 0.18 |
| P/TBV Ratio | 0.19 | 0.18 |
| P/FCF Ratio | 0.42 | 1.01 |
| P/OCF Ratio | 0.41 | 0.99 |
Enterprise value
| Measure | Qfin | Industry median |
|---|---|---|
| EV / Sales | -0.15 | 0.02 |
| EV / EBITDA | -0.44 | 0.13 |
| EV / EBIT | -0.44 | |
| EV / FCF | -0.27 | -0.27 |
Income (trailing twelve months)
| Measure | Qfin | Industry median |
|---|---|---|
| Revenue | CN¥19.21B | CN¥134.31M |
| Gross Profit | CN¥16.20B | CN¥109.02M |
| Operating Income | CN¥6.68B | -CN¥85.75M |
| Pretax Income | CN¥7.38B | CN¥739.30M |
| EBITDA | CN¥6.75B | CN¥11.27M |
| EPS (Diluted) | 22.01 CNY | 1.92 CNY |
Margins
| Measure | Qfin | Industry median |
|---|---|---|
| Gross Margin | 84.4% | 73.6% |
| Operating Margin | 34.8% | -47.7% |
| Pretax Margin | 38.4% | 22.9% |
| EBITDA Margin | 35.1% | 8.39% |
| FCF Margin | 56.5% | 56.5% |
Returns
| Measure | Qfin | Industry median |
|---|---|---|
| Return on Invested Capital (ROIC) | 32.9% | -1.07% |
| Return on Capital Employed (ROCE) | 18.3% |
Growth
| Measure | Qfin | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 11.9% | 1.18% |
| EPS Growth (YoY) | 6.64% | 11.8% |
| FCF Growth (YoY) | 18.0% | -6.77% |
| Revenue Growth (3Y CAGR) | 5.08% | 3.01% |
| Revenue Growth (5Y CAGR) | 7.20% | 7.20% |
| EPS Growth (3Y CAGR) | 20.8% | 15.5% |
| EPS Growth (5Y CAGR) | 14.1% |
Balance sheet
| Measure | Qfin | Industry median |
|---|---|---|
| Cash & Short-Term Investments | CN¥7.55B | CN¥1.57B |
| Net Cash (Debt) | CN¥7.55B | CN¥851.82M |
| Net Cash Per Share | 30.96 CNY | 1.76 CNY |
| Equity (Book Value) | CN¥24.11B | CN¥7.84B |
| Book Value Per Share | 98.90 CNY | 16.71 CNY |
| Tangible Book Value | CN¥24.06B | CN¥7.80B |
| Working Capital | CN¥29.12B | CN¥8.64B |
Financial position
| Measure | Qfin | Industry median |
|---|---|---|
| Current Ratio | 2.43 | 1.89 |
| Quick Ratio | 0.37 | 0.22 |
Cash flow (trailing twelve months)
| Measure | Qfin | Industry median |
|---|---|---|
| Operating Cash Flow | CN¥11.08B | CN¥703.62M |
| Capital Expenditures | -CN¥240.54M | -CN¥84.19M |
| Free Cash Flow | CN¥10.84B | CN¥677.88M |
| FCF Per Share | 44.47 CNY | 3.08 CNY |
Efficiency
| Measure | Qfin | Industry median |
|---|---|---|
| Asset Turnover | 0.37 | 0.18 |
| Revenue Per Employee | CN¥192.05K | CN¥821.00K |
| Employee Count | 100,000 | 643 |
Dividends and yields
| Measure | Qfin | Industry median |
|---|---|---|
| FCF Yield | 238.2% | 99.3% |
| Buyback Yield | 106.5% | 10.8% |
| Shareholder Yield | 106.5% | 10.8% |
Shares
| Measure | Qfin | Industry median |
|---|---|---|
| Shares Outstanding | 243,824,000 | 469,036,000 |
| Shares Change (YoY) | -10.3% | 1.06% |
| Float | 196,923,000 | 194,899,000 |
| Shares Held by Insiders | 19.2% | 40.2% |
| Shares Held by Institutions | 30.8% | 0.72% |
Taxes
| Measure | Qfin | Industry median |
|---|---|---|
| Income Tax | CN¥1.40B | CN¥173.99M |
| Effective Tax Rate | 19.0% | 18.0% |
Scores
| Measure | Qfin | Industry median |
|---|---|---|
| Graham Number | 221.31 CNY | 33.14 CNY |
| Graham Upside | 1085.4% | 905.6% |
| Altman Z-Score | 2.02 | 1.36 |
| Beneish M-Score | -0.75 |
Calculated by StockData from Qfin's SEC filings. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.