Qfin Holdings, Inc. financials

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Qfin Holdings, Inc. reports to SEC EDGAR in CNY (it files a 20-F/40-F as a foreign private issuer), so every monetary figure below is in CNY as filed, not US dollars.
QFIN CIK 0001741530

Source: EDGAR filings · Built 2026-06-19T01:28:02Z

Key metrics by reporting period

Up to six most-recent periods side-by-side. Rows are the curated key lines — revenue, margins, cash, debt, equity, cash-flow totals, plus the derived and valuation metrics we compute on top. For every tag a filer reported in one period, use the single-filing drilldown below.

Derived Metrics

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Free Cash Flow 10.84B 9.19B 7.03B 5.90B 5.76B 5.31B
EBITDA 6.75B 7.60B 4.93B 4.55B 6.85B 3.83B
Working Capital 29.12B 25.31B 19.90B 17.35B 13.61B 8.49B
Net Debt -2.06B -4.17B -4.05B -7.10B -6.08B -4.37B
Gross Margin 84.37% 83.10% 83.67% 85.66% 86.46% 88.20%
Operating Margin 34.77% 43.86% 29.82% 27.02% 40.79% 27.94%
Net Margin 31.11% 36.40% 26.20% 24.20% 34.65% 25.77%
Return on Equity (ROE) 24.78% 25.83% 19.46% 21.25% 37.91% 36.87%
Return on Assets (ROA) 10.49% 12.98% 9.32% 9.93% 17.20% 14.33%
Current Ratio 2.43× 2.45× 2.00× 2.04× 1.96× 1.63×
Debt-to-Equity 0.11× 0.01× 0.01× 0.00× 0.00× 0.00×
Effective Tax Rate 18.99% 20.83% 19.12% 15.54% 17.92% 14.36%
Cash Conversion Ratio 1.85× 1.50× 1.67× 1.48× 1.00× 1.52×
Accruals Ratio -0.09× -0.06× -0.06× -0.05× -0.00× -0.07×
SBC % of Revenue 1.97% 0.98% 1.14% 1.21% 1.53% 2.22%
CapEx Coverage 46.08× 61.01× 84.19× 219.57× 228.78× 348.73×
Free Cash Flow Per Share ¥39.84 ¥30.29 ¥21.41 ¥18.31 ¥17.94 ¥17.32

Income Statement

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Revenue from Contract with Customer, Excluding Assessed Tax 2.75B 2.35B 2.29B 2.40B 2.61B 2.08B
Cost of Goods and Services Sold 429.27M 397.39M 374.64M 344.12M 353.41M 245.30M
Operating Income (Loss) 955.00M 1.03B 684.09M 648.41M 1.06B 580.87M
Income Tax Expense (Benefit) 200.27M 225.27M 142.10M 106.83M 197.44M 89.81M
Earnings Per Share, Basic $3.21 $2.88 $1.88 $1.87 $2.95 $1.80
Weighted Average Number of Shares Outstanding, Basic 266.50M 298.01M 320.75M 312.59M 307.27M 298.22M
Earnings Per Share, Diluted $3.15 $2.83 $1.84 $1.81 $2.82 $1.75
Weighted Average Number of Shares Outstanding, Diluted 272.17M 303.45M 328.51M 322.02M 321.40M 306.67M

Balance Sheet

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Cash and Cash Equivalents, at Carrying Value 671.64M 609.98M 588.44M 1.04B 959.79M 677.15M
Assets, Current 7.08B 5.86B 5.61B 4.94B 4.36B 3.35B
Assets 8.14B 6.59B 6.45B 5.85B 5.26B 3.74B
Long-term Debt — 247.46M 90.62M 17.85M — —
Liabilities, Current 2.91B 2.39B 2.80B 2.43B 2.22B 2.05B
Liabilities 4.69B 3.27B 3.35B 3.10B 2.87B 2.28B
Stockholders' Equity Attributable to Parent 3.45B 3.31B 3.09B 2.73B 2.39B 1.45B
Common Stock, Shares, Outstanding 243.82M 283.98M 315.23M 322.79M 310.49M 304.45M

Cash Flow Statement

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Net Cash Provided by (Used in) Operating Activities 1.58B 1.28B 1.00B 858.68M 908.53M 816.22M
Net Cash Provided by (Used in) Investing Activities -1.87B -1.10B -1.57B -1.07B -951.63M 136.82M
Payments for Repurchase of Common Stock 693.27M 407.33M 89.60M — — —
Net Cash Provided by (Used in) Financing Activities 398.09M -289.68M 150.21M 464.55M 355.23M -503.05M

Raw XBRL tagging for a single filing

Every us-gaap and custom concept the filer tagged for one fiscal period, grouped by statement. Start here when a number in the trend table above surprises you and you want to see the exact tag behind it. Derived and valuation rows are omitted here because they already appear in the trend table.

Most recent filing shown by default.

Compare filings side-by-side

Diff any two filings with deltas and added / removed tags.

Immaterial rows are USD line items under 1% of the period's revenue — the noise floor below which a single tag rarely moves the investment thesis. Revenue is read from the filer's top-line concept (Revenues / RevenueFromContractWithCustomerExcludingAssessedTax, with a fallback chain). Non-USD rows, rows without a numeric value, and every row on a filing with no identifiable revenue anchor stay visible. Flip the switch off to see every tag the filer reported for the period.

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Methodology

All facts on this page come straight from SEC EDGAR XBRL company-facts filings (QFIN CIK 0001741530), grouped by financial statement using FASB's base us-gaap presentation taxonomy. Filers may re-parent concepts onto different statements in their own extension taxonomy, so a handful of rows can show up under a different statement than on the actual 10-K / 10-Q; custom concepts and any we couldn't map fall into Other. Hover a cell to see the fully-qualified concept name and the filer's description.

For the full methodology — statement grouping, the Other bucket, derived metrics, and fact tooltips — see the methodology reference for the statement grouping, the "Other" bucket, derived metrics, and fact tooltips.

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