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Qfin (QFIN) Financials

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$13.26 +0.05 (+0.34%)
As of 11:14 AM Eastern
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Annual Income Statements for Qfin

Annual Income Statements for Qfin

This table shows Qfin's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 25 -277 359 538 907 583 604 858 857
Consolidated Net Income / (Loss)		 25 174 359 538 905 581 601 856 855
Net Income / (Loss) Continuing Operations		 25 174 359 538 905 581 601 856 855
Total Pre-Tax Income 		33 242 426 628 1,102 688 743 1,081 1,055
Total Operating Income		 32 239 415 583 1,065 648 684 1,031 955
Total Gross Profit		 102 550 1,168 1,840 2,257 2,056 1,920 1,954 2,317
Total Revenue		 121 647 1,324 2,086 2,610 2,400 2,294 2,352 2,746
Operating Revenue		 121 647 1,324 2,086 2,610 2,400 2,294 2,352 2,746
Total Cost of Revenue		 19 97 156 246 353 344 375 397 429
Operating Cost of Revenue		 19 97 156 246 353 344 375 397 429
Total Operating Expenses		 70 311 753 1,257 1,192 1,408 1,236 923 1,362
Selling, General & Admin Expense		 7.04 82 61 70 87 60 59 62 94
Marketing Expense		 53 192 409 166 328 320 273 236 353
Other Operating Expenses / (Income)		 9.87 37 282 1,021 777 1,028 903 625 915
Total Other Income / (Expense), net		 0.38 2.21 11 45 37 39 59 50 100
Interest Expense		 -0.37 -1.46 5.99 - - - 0.00 0.00 -39
Interest & Investment Income		 - - 0.00 12 21 24 26 32 40
Other Income / (Expense), net		 0.00 0.75 17 33 16 16 33 17 21
Income Tax Expense		 7.39 68 67 90 197 107 142 225 200
Net Income / (Loss) Attributable to Noncontrolling Interest		 0.00 0.00 -0.04 -0.14 -2.70 -2.70 -2.36 -2.22 -2.01
Basic Earnings per Share		 $0.83 ($9.39) $8.66 $11.72 $18.82 $1.87 $1.88 $2.88 $3.21
Weighted Average Basic Shares Outstanding		 198.35M 202.75M 288.83M 298.22M 307.27M 312.59M 320.75M 298.01M 266.50M
Diluted Earnings per Share		 $0.83 ($9.39) $8.31 $11.40 $17.99 $1.81 $1.84 $2.83 $3.15
Weighted Average Diluted Shares Outstanding		 198.35M 202.75M 300.94M 306.67M 321.40M 322.02M 328.51M 303.45M 272.17M
Weighted Average Basic & Diluted Shares Outstanding		 - 575.31M 586.84M 608.91M 620.97M 322.79M 315.23M 283.98M 243.82M

Quarterly Income Statements for Qfin

No quarterly income statements for Qfin are available.

Annual Cash Flow Statements for Qfin

This table details how cash moves in and out of Qfin's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 146 154 262 452 312 254 -416 -103 105
Net Cash From Operating Activities		 -17 41 427 819 909 859 1,003 1,280 1,585
Net Cash From Continuing Operating Activities		 -17 41 427 819 909 859 1,003 1,280 1,585
Net Income / (Loss) Continuing Operations		 25 174 359 538 905 581 601 856 855
Consolidated Net Income / (Loss)		 25 174 359 538 905 581 601 856 855
Depreciation Expense		 0.20 0.55 1.10 5.55 10 11 10 10 9.74
Amortization Expense		 - - - - - - 0.00 0.00 3.18
Non-Cash Adjustments To Reconcile Net Income		 -12 -56 136 997 470 992 837 723 732
Changes in Operating Assets and Liabilities, net		 -30 -77 -69 -721 -477 -725 -446 -309 -15
Net Cash From Investing Activities		 -185 48 -1,272 137 -952 -1,067 -1,570 -1,095 -1,871
Net Cash From Continuing Investing Activities		 -185 48 -1,272 137 -952 -1,067 -1,570 -1,095 -1,871
Purchase of Property, Plant & Equipment		 -1.09 -1.24 -3.67 -2.35 -3.97 -3.91 -12 -21 -34
Acquisitions		 - - - 0.00 -0.23 -0.85 0.00 0.00 0.00
Purchase of Investments		 - - 0.00 0.00 -7.85 -8.26 -35 -636 -1,447
Sale and/or Maturity of Investments		 - - - 0.00 0.00 2.59 43 179 1,495
Other Investing Activities, net		 -184 49 -1,268 140 -940 -1,056 -1,566 -618 -1,885
Net Cash From Financing Activities		 348 67 1,107 -505 355 465 150 -290 398
Net Cash From Continuing Financing Activities		 348 67 1,107 -505 355 465 150 -290 398
Repayment of Debt		 -23 -180 -258 -31 -24 -93 -25 -181 -564
Repurchase of Common Equity		 0.00 -3.65 - - 0.00 -2.29 -92 -407 -693
Payment of Dividends		 - 0.00 0.00 -0.15 0.00 -143 -133 -173 -197
Issuance of Debt		 124 73 287 29 57 52 116 259 971
Other Financing Activities, net		 246 -73 1,079 -503 322 615 283 212 882
Effect of Exchange Rate Changes		 0.00 -1.90 0.25 0.34 -0.54 -2.64 1.35 1.65 -7.21
Cash Interest Paid		 0.00 0.00 9.44 0.88 2.16 1.57 1.81 2.55 4.89
Cash Income Taxes Paid		 -0.07 -8.49 -80 -114 -190 -131 -120 -173 -230

Quarterly Cash Flow Statements for Qfin

No quarterly cash flow statements for Qfin are available.

Annual Balance Sheets for Qfin

This table presents Qfin's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 476 1,070 2,923 3,751 5,258 5,849 6,453 6,594 8,144
Total Current Assets		 463 1,069 2,800 3,365 4,356 4,944 5,605 5,861 7,076
Cash & Equivalents		 72 210 303 680 960 1,039 588 610 672
Restricted Cash		 75 83 248 362 415 485 476 322 407
Short-Term Investments		 - - - - 0.00 8.26 2.11 465 408
Note & Lease Receivable		 224 118 1,327 1,154 1,545 2,225 3,465 3,660 4,959
Accounts Receivable		 66 505 678 946 1,215 906 771 517 352
Prepaid Expenses		 5.20 132 228 202 198 113 76 223 157
Other Current Assets		 20 21 17 20 24 168 226 63 121
Plant, Property, & Equipment, net		 0.92 1.00 2.46 2.98 3.91 6.90 33 50 91
Total Noncurrent Assets		 12 0.12 120 383 898 899 816 660 947
Noncurrent Note & Lease Receivables		 - 0.00 8.51 113 565 555 492 348 572
Goodwill		 - - - - - 0.00 5.80 5.81 6.46
Intangible Assets		 0.04 0.12 0.50 0.52 0.78 0.68 1.89 1.62 1.53
Noncurrent Deferred & Refundable Income Taxes		 12 0.00 100 215 131 148 150 165 197
Other Noncurrent Operating Assets		 - 0.00 11 55 202 195 165 140 169
Total Liabilities & Shareholders' Equity		 476 1,070 2,923 3,751 5,258 5,849 6,453 6,594 8,144
Total Liabilities		 363 423 1,887 2,293 2,870 3,104 3,353 3,272 4,689
Total Current Liabilities		 363 421 1,388 2,059 2,219 2,429 2,803 2,394 2,911
Short-Term Debt		 - 0.00 29 29 62 22 112 188 318
Accrued Expenses		 15 76 104 125 354 291 284 342 420
Current Deferred & Payable Income Tax Liabilities		 18 63 152 189 98 96 105 143 155
Other Taxes Payable		 4.81 24 38 39 38 26 23 15 1.33
Other Current Liabilities		 129 247 1,058 1,666 1,633 1,994 2,279 1,707 2,018
Total Noncurrent Liabilities		 0.00 2.29 499 234 650 676 551 879 1,778
Long-Term Debt		 - - - - - - - 0.00 226
Noncurrent Deferred & Payable Income Tax Liabilities		 - 2.29 0.00 5.82 19 15 32 60 46
Other Noncurrent Operating Liabilities		 0.00 0.00 499 228 631 661 519 819 1,506
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 113 646 1,036 1,458 2,388 2,745 3,100 3,322 3,454
Total Preferred & Common Equity		 113 646 1,036 1,458 2,386 2,733 3,090 3,314 3,448
Total Common Equity		 113 646 1,036 1,458 2,386 2,733 3,090 3,314 3,448
Common Stock		 0.00 708 735 833 890 884 853 595 554
Retained Earnings		 22 -63 297 636 1,513 1,856 2,295 2,870 3,504
Treasury Stock		 - - - - - 0.00 -54 -153 -581
Accumulated Other Comprehensive Income / (Loss)		 0.00 0.54 3.58 -11 -17 -7.51 -4.88 1.63 -28
Noncontrolling Interest		 - 0.00 0.18 0.08 2.00 12 10 7.70 6.02

Quarterly Balance Sheets for Qfin

No quarterly balance sheets for Qfin are available.

Annual Metrics And Ratios for Qfin

This table displays calculated financial ratios and metrics derived from Qfin's official financial filings.

Metric 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 - - - - - - - - 243,823,900.00
DEI Adjusted Shares Outstanding		 - - - - - - - - 243,823,900.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - 3.51
Growth Metrics		 - - - - - - - - -
Revenue Growth		 0.00% 435.21% 104.51% 57.60% 25.13% -8.06% -4.40% 2.50% 16.78%
EBITDA Growth		 0.00% 640.04% 79.97% 43.49% 75.55% -38.11% 7.72% 45.61% -6.59%
EBIT Growth		 0.00% 642.94% 79.93% 42.57% 75.45% -38.55% 7.97% 46.29% -6.91%
NOPAT Growth		 0.00% 588.20% 103.49% 42.56% 75.09% -37.35% 1.03% 47.57% -5.25%
Net Income Growth		 0.00% 586.58% 106.77% 49.71% 68.24% -35.80% 3.52% 42.38% -0.17%
EPS Growth		 0.00% -1,231.33% 188.50% 37.18% 57.81% -89.93% 1.34% 53.96% 11.31%
Operating Cash Flow Growth		 0.00% 343.71% 928.61% 91.90% 10.91% -5.49% 16.76% 27.67% 23.82%
Free Cash Flow Firm Growth		 0.00% 0.00% 188.09% 199.66% -57.12% 59.75% -192.08% 337.30% -56.51%
Invested Capital Growth		 0.00% 1,135.53% 45.48% -13.39% 141.67% 14.74% 73.87% -1.57% 18.85%
Revenue Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EBITDA Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EBIT Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
NOPAT Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Net Income Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EPS Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Cash Flow Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Invested Capital Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Profitability Metrics		 - - - - - - - - -
Gross Margin		 84.54% 85.02% 88.25% 88.20% 86.46% 85.66% 83.67% 83.10% 84.37%
EBITDA Margin		 26.89% 37.18% 32.72% 29.79% 41.79% 28.13% 31.70% 45.03% 36.02%
Operating Margin		 26.72% 36.98% 31.38% 27.94% 40.79% 27.02% 29.82% 43.86% 34.77%
EBIT Margin		 26.72% 37.10% 32.64% 29.52% 41.40% 27.67% 31.25% 44.60% 35.55%
Profit (Net Income) Margin		 20.92% 26.83% 27.13% 25.77% 34.65% 24.20% 26.20% 36.40% 31.11%
Tax Burden Percent		 77.39% 71.90% 84.30% 85.64% 82.08% 84.46% 80.88% 79.17% 81.01%
Interest Burden Percent		 101.15% 100.61% 98.61% 101.93% 101.98% 103.55% 103.68% 103.10% 108.04%
Effective Tax Rate		 22.61% 28.10% 15.70% 14.36% 17.92% 15.54% 19.12% 20.83% 18.99%
Return on Invested Capital (ROIC)		 0.00% 107.87% 80.78% 104.13% 114.97% 47.42% 32.74% 38.35% 33.85%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 107.15% 78.59% 99.13% 112.35% 45.08% 28.86% 34.71% 26.52%
Return on Net Nonoperating Assets (RNNOA)		 0.00% -62.10% -38.08% -61.02% -67.93% -24.79% -12.17% -11.70% -8.63%
Return on Equity (ROE)		 22.46% 45.77% 42.70% 43.11% 47.04% 22.63% 20.57% 26.66% 25.22%
Cash Return on Invested Capital (CROIC)		 0.00% -60.93% 43.73% 118.48% 32.04% 33.70% -21.20% 39.94% 16.62%
Operating Return on Assets (OROA)		 6.80% 31.08% 21.64% 18.46% 23.99% 11.96% 11.66% 16.08% 13.25%
Return on Assets (ROA)		 5.32% 22.48% 17.99% 16.11% 20.08% 10.46% 9.77% 13.12% 11.60%
Return on Common Equity (ROCE)		 22.46% 45.77% 42.69% 43.11% 47.01% 22.57% 20.49% 26.58% 25.17%
Return on Equity Simple (ROE_SIMPLE)		 22.46% 26.88% 34.68% 36.87% 37.91% 21.25% 19.46% 25.83% 0.00%
Net Operating Profit after Tax (NOPAT)		 25 172 350 499 874 548 553 817 774
NOPAT Margin		 20.68% 26.59% 26.46% 23.93% 33.48% 22.82% 24.12% 34.72% 28.17%
Net Nonoperating Expense Percent (NNEP)		 0.20% 0.72% 2.19% 5.00% 2.62% 2.34% 3.89% 3.65% 7.33%
Return On Investment Capital (ROIC_SIMPLE)		 - - - - - 19.80% 17.22% 23.27% 19.35%
Cost of Revenue to Revenue		 15.46% 14.98% 11.75% 11.80% 13.54% 14.34% 16.33% 16.90% 15.63%
SG&A Expenses to Revenue		 5.82% 12.61% 4.64% 3.36% 3.35% 2.49% 2.58% 2.62% 3.43%
R&D to Revenue		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Expenses to Revenue		 57.82% 48.04% 56.87% 60.26% 45.67% 58.65% 53.86% 39.24% 49.59%
Earnings before Interest and Taxes (EBIT)		 32 240 432 616 1,081 664 717 1,049 976
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 33 241 433 621 1,091 675 727 1,059 989
Valuation Ratios		 - - - - - - - - -
Price to Book Value (P/BV)		 0.45 0.06 2.37 2.07 2.59 2.11 0.79 1.83 0.75
Price to Tangible Book Value (P/TBV)		 0.45 0.06 2.37 2.07 2.59 2.11 0.79 1.83 0.75
Price to Revenue (P/Rev)		 0.42 0.06 1.85 1.45 2.37 2.40 1.06 2.57 0.94
Price to Earnings (P/E)		 2.02 0.00 6.83 5.61 6.81 9.88 4.02 7.05 3.01
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 1.38% 4.42% 5.45% 3.07% 8.03%
Earnings Yield		 49.46% 0.00% 14.65% 17.82% 14.69% 10.13% 24.87% 14.19% 33.17%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.00 3.76 4.51 4.52 3.45 0.69 2.30 0.66
Enterprise Value to Revenue (EV/Rev)		 0.00 0.00 1.46 0.96 1.86 1.78 0.65 2.06 0.60
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 4.46 3.23 4.46 6.31 2.04 4.58 1.66
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 4.47 3.26 4.50 6.42 2.07 4.62 1.69
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 5.51 4.02 5.57 7.78 2.68 5.94 2.13
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 4.52 2.45 5.35 4.97 1.48 3.79 1.04
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 10.18 3.53 19.97 10.96 0.00 5.70 4.33
Leverage & Solvency		 - - - - - - - - -
Debt to Equity		 0.00 0.00 0.03 0.02 0.03 0.01 0.04 0.06 0.16
Long-Term Debt to Equity		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.07
Financial Leverage		 -1.30 -0.58 -0.48 -0.62 -0.60 -0.55 -0.42 -0.34 -0.33
Leverage Ratio		 4.22 2.04 2.37 2.68 2.34 2.16 2.10 2.03 2.18
Compound Leverage Factor		 4.27 2.05 2.34 2.73 2.39 2.24 2.18 2.09 2.35
Debt to Total Capital		 0.00% 0.00% 2.70% 1.93% 2.55% 0.79% 3.50% 5.35% 13.61%
Short-Term Debt to Total Capital		 0.00% 0.00% 2.70% 1.93% 2.55% 0.79% 3.50% 5.35% 7.95%
Long-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 5.66%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.02% 0.01% 0.08% 0.44% 0.32% 0.22% 0.15%
Common Equity to Total Capital		 100.00% 100.00% 97.29% 98.06% 97.37% 98.77% 96.18% 94.43% 86.24%
Debt to EBITDA		 0.00 0.00 0.07 0.05 0.06 0.03 0.15 0.18 0.55
Net Debt to EBITDA		 0.00 0.00 -1.21 -1.63 -1.20 -2.24 -1.31 -1.14 -0.95
Long-Term Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.23
Debt to NOPAT		 0.00 0.00 0.08 0.06 0.07 0.04 0.20 0.23 0.70
Net Debt to NOPAT		 0.00 0.00 -1.49 -2.03 -1.50 -2.76 -1.72 -1.48 -1.22
Long-Term Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.29
Altman Z-Score		 0.88 2.05 2.44 2.54 3.36 2.86 2.18 3.23 2.28
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.01% 0.01% 0.05% 0.28% 0.38% 0.28% 0.20%
Liquidity Ratios		 - - - - - - - - -
Current Ratio		 1.28 2.54 2.02 1.63 1.96 2.04 2.00 2.45 2.43
Quick Ratio		 1.00 1.98 1.66 1.35 1.68 1.72 1.72 2.19 2.20
Cash Flow Metrics		 - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 0.00 -215 190 568 244 389 -358 850 380
Operating Cash Flow to CapEx		 -1,561.04% 3,334.30% 11,632.66% 34,873.04% 22,877.86% 21,957.20% 8,418.70% 6,100.76% 4,607.82%
Free Cash Flow to Firm to Interest Expense		 0.00 0.00 31.66 0.00 0.00 0.00 0.00 0.00 0.00
Operating Cash Flow to Interest Expense		 0.00 0.00 71.28 0.00 0.00 0.00 0.00 0.00 0.00
Operating Cash Flow Less CapEx to Interest Expense		 0.00 0.00 70.67 0.00 0.00 0.00 0.00 0.00 0.00
Efficiency Ratios		 - - - - - - - - -
Asset Turnover		 0.25 0.84 0.66 0.63 0.58 0.43 0.37 0.36 0.37
Accounts Receivable Turnover		 1.82 2.27 2.24 2.57 2.42 2.26 2.74 3.65 6.32
Inventory Turnover		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover		 131.49 674.40 765.88 767.74 757.60 443.83 116.27 57.17 39.01
Accounts Payable Turnover		 0.09 0.93 15.99 25.92 15.85 0.00 0.00 0.00 0.00
Days Sales Outstanding (DSO)		 200.21 161.09 163.13 142.12 151.08 161.22 133.39 100.02 57.77
Days Inventory Outstanding (DIO)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Days Payable Outstanding (DPO)		 3,847.03 392.46 22.82 14.08 23.03 0.00 0.00 0.00 0.00
Cash Conversion Cycle (CCC)		 -3,646.82 -231.37 140.30 128.04 128.05 161.22 133.39 100.02 57.77
Capital & Investment Metrics		 - - - - - - - - -
Invested Capital		 -34 353 514 445 1,076 1,234 2,146 2,112 2,482
Invested Capital Turnover		 -3.55 4.06 3.05 4.35 3.43 2.08 1.36 1.10 1.20
Increase / (Decrease) in Invested Capital		 0.00 387 161 -69 631 159 912 -34 394
Enterprise Value (EV)		 -96 -251 1,931 2,006 4,865 4,263 1,483 4,847 1,646
Market Capitalization		 51 42 2,452 3,019 6,175 5,762 2,427 6,049 2,582
Book Value per Share		 $0.57 $3.19 $1.80 $2.48 $3.92 $4.40 $9.57 $10.51 $12.14
Tangible Book Value per Share		 $0.57 $3.19 $1.80 $2.48 $3.92 $4.40 $9.55 $10.49 $12.11
Total Capital		 113 646 1,065 1,487 2,450 2,767 3,213 3,509 3,999
Total Debt		 0.00 0.00 29 29 62 22 112 188 544
Total Long-Term Debt		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 226
Net Debt		 -147 -293 -522 -1,013 -1,312 -1,511 -954 -1,210 -942
Capital Expenditures (CapEx)		 1.09 1.24 3.67 2.35 3.97 3.91 12 21 34
Debt-free, Cash-free Net Working Capital (DFCFNWC)		 -47 354 890 293 824 1,004 1,848 2,258 2,996
Debt-free Net Working Capital (DFNWC)		 100 647 1,441 1,335 2,199 2,537 2,915 3,655 4,482
Net Working Capital (NWC)		 100 647 1,412 1,306 2,136 2,515 2,802 3,467 4,164
Net Nonoperating Expense (NNE)		 -0.29 -1.59 -8.92 -38 -30 -33 -48 -39 -81
Net Nonoperating Obligations (NNO)		 -147 -293 -522 -1,013 -1,312 -1,511 -954 -1,210 -972
Total Depreciation and Amortization (D&A)		 0.20 0.55 1.10 5.55 10 11 10 10 13
Debt-free, Cash-free Net Working Capital to Revenue		 -38.58% 54.75% 67.25% 14.04% 31.57% 41.85% 80.55% 96.00% 109.09%
Debt-free Net Working Capital to Revenue		 82.77% 100.03% 108.86% 63.98% 84.23% 105.70% 127.04% 155.42% 163.21%
Net Working Capital to Revenue		 82.77% 100.03% 106.69% 62.60% 81.84% 104.79% 122.14% 147.44% 151.64%
Earnings Adjustments		 - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.00 ($1.37) $8.66 $11.72 $18.82 $12.87 $13.36 $2.88 $3.21
Adjusted Weighted Average Basic Shares Outstanding		 0.00 202.75M 288.83M 298.22M 307.27M 312.59M 320.75M 298.01M 266.50M
Adjusted Diluted Earnings per Share		 $0.00 ($1.37) $8.31 $11.40 $17.99 $12.50 $13.04 $2.83 $3.15
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 202.75M 586.84M 306.67M 321.40M 322.02M 328.51M 303.45M 272.17M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 575.31M 586.84M 608.91M 620.97M 322.79M 315.23M 283.98M 243.82M
Normalized Net Operating Profit after Tax (NOPAT)		 25 172 350 499 874 548 553 817 774
Normalized NOPAT Margin		 20.68% 26.59% 26.46% 23.93% 33.48% 22.82% 24.12% 34.72% 28.17%
Pre Tax Income Margin		 27.03% 37.32% 32.18% 30.09% 42.21% 28.65% 32.40% 45.98% 38.41%
Debt Service Ratios		 - - - - - - - - -
EBIT to Interest Expense		 0.00 0.00 72.15 0.00 0.00 0.00 0.00 0.00 0.00
NOPAT to Interest Expense		 0.00 0.00 58.48 0.00 0.00 0.00 0.00 0.00 0.00
EBIT Less CapEx to Interest Expense		 0.00 0.00 71.53 0.00 0.00 0.00 0.00 0.00 0.00
NOPAT Less CapEx to Interest Expense		 0.00 0.00 57.87 0.00 0.00 0.00 0.00 0.00 0.00
Payout Ratios		 - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.03% 0.00% 24.68% 22.06% 20.21% 23.06%
Augmented Payout Ratio		 0.00% 2.10% 0.00% 0.03% 0.00% 25.07% 37.34% 67.80% 104.19%

Quarterly Metrics And Ratios for Qfin

No quarterly metrics and ratios for Qfin are available.


Financials Breakdown Chart

Frequently Asked Questions About Qfin's Financials

When does Qfin's financial year end?

According to the most recent income statement we have on file, Qfin's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

How has Qfin's net income changed over the last 8 years?

Qfin's net income appears to be on an upward trend, with a most recent value of $854.51 million in 2025, rising from $25.30 million in 2017. The previous period was $855.99 million in 2024. See Qfin's forecast for analyst expectations on what’s next for the company.

What is Qfin's operating income?
Qfin's total operating income in 2025 was $955.00 million, based on the following breakdown:
  • Total Gross Profit: $2.32 billion
  • Total Operating Expenses: $1.36 billion
How has Qfin's revenue changed over the last 8 years?

Over the last 8 years, Qfin's total revenue changed from $120.94 million in 2017 to $2.75 billion in 2025, a change of 2,170.8%.

How much debt does Qfin have?

Qfin's total liabilities were at $4.69 billion at the end of 2025, a 43.3% increase from 2024, and a 1,192.1% increase since 2017.

How much cash does Qfin have?

In the past 8 years, Qfin's cash and equivalents has ranged from $71.90 million in 2017 to $1.04 billion in 2022, and is currently $671.64 million as of their latest financial filing in 2025.

How has Qfin's book value per share changed over the last 8 years?

Over the last 8 years, Qfin's book value per share changed from 0.57 in 2017 to 12.14 in 2025, a change of 2,037.9%.


Related Companies

Financial statements for NASDAQ:QFIN last updated on 5/2/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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