Symbols

QFIN

Qfing·NASDAQ

--(--)

QFIN fundamentals

QFIN Q4 2025 Earnings

Qfing (QFIN) released its earnings on Mar 18, 2026: revenue was 584.88M (YoY -4.72%), missed estimates; EPS was 1.1175 (YoY -38.38%), missed estimates.

Revenue / YoY

584.88M

-4.72%

EPS / YoY

1.1175

-38.38%

Report date

Mar 18, 2026

QFIN Earnings Call Summary for Q4,2025

Revenue Resilience Despite Decline: Q4 loan facilitation volume down 21.8% YoY, but full-year net income stable at RMB 6.35 billion. Technology Solutions business grew 448% YoY.
Risk Management Success: FPD 30 improved 18% QoQ, C-M2 ratio peaked at 0.97% in Q4 but declined 8.2% MoM in January. Collection efficiency boosted by PBOC policy.
Funding Cost Optimization: ABS issuance costs fell 20 bps QoQ to historical low; full-year ABS issuance up 40.8% YoY.
Shareholder Returns: 2025 returned RMB 880 million via dividends and buybacks; 2026 dividend policy to remain progressive.
Global Expansion Ambitions: Targeting Europe, Latin America, and Southeast Asia with 200+ overseas staff by end-2026.

Earnings

EPS

Revenue

Revenue & Expenses

QFIN has released its 2025 Q4 earnings report, with revenue of 585.25M, reflecting a YoY change of -4.69%, and net profit of 145.30M, showing a YoY change of -44.55%. The Sankey diagram below clearly presents QFIN's revenue sources and cost distribution.

Key Indicators

Qfing (QFIN) key financial stats and ratios, covering profitability, financial health, and leverage.

Income Statement

Qfing (QFIN)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.

Trend

Breakdown

Balance Sheet

Qfing (QFIN)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.

Trend

Breakdown

Cash Flow

Qfing (QFIN)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.

Trend

Breakdown