Qifu Technology QFIN
$5.58 +$0.12 (+2.20%)
Market closed · Nov 7, 9:10 am ET · Last extended-hours $5.50 -1.43%
Open$5.45
Prev close$5.46
Day range$5.33 – $5.63
Volume2.17M
Market cap$678.43M
P/E (TTM)1.3
Dividend yield28.39%
Fundamentals
Latest reported quarter: Q2, ended Jun 2026 · reported in CNY
RevenueCN¥2.61B-39.7% YoY
Net profitCN¥401.37M-76.8% YoY
Diluted EPSCN¥3.28-74.3% YoY
Free cash flowCN¥1.09B-58.6% YoY
Operating cash flowCN¥1.09B
Revenue, last 8 quarters
Net profit, last 8 quarters
Diluted EPS by quarter
Free cash flow by quarter
Annual revenue
Profitability & balance sheet
Net margin28.2%
Return on equity15.3%
Return on assets6.6%
Liabilities / assets53.3%
Cash & investmentsCN¥4.12B
Total debtCN¥2.94B
Net cash (debt)CN¥1.17B
Free cash flow / sales64.8%
This company reports in its own local currency, not U.S. dollars. Every figure below is labeled with its real currency, not automatically converted.
Income statement
| Line item | 2026 Q2 (CNY) |
2026 Q1 (CNY) |
2025 ANNUAL (CNY) |
2025 Q4 (CNY) |
2025 Q3 (CNY) |
|---|---|---|---|---|---|
| Total Revenue as Reported | CN¥3.57B | CN¥3.91B | CN¥19.21B | CN¥4.09B | CN¥5.21B |
| Total Operating Revenue | CN¥2.61B | CN¥3.01B | CN¥16.08B | CN¥3.41B | CN¥4.35B |
| Net Interest Income | CN¥1.87B | CN¥2.06B | CN¥8.85B | CN¥2.26B | CN¥2.42B |
| -Interest Income | CN¥1.87B | CN¥2.06B | CN¥8.85B | CN¥2.26B | CN¥2.42B |
| Non-Interest Income | CN¥741.53M | CN¥954.98M | CN¥7.23B | CN¥1.15B | CN¥1.93B |
| -Fees and Commissions | CN¥921.55M | CN¥942.15M | CN¥7.09B | CN¥999.31M | CN¥1.96B |
| -Foreign Exchange Trading Gains | CN¥15.44M | CN¥8.39M | CN¥159.57M | CN¥33.72M | CN¥15.28M |
| -Other Non-Interest Income | -CN¥175.16M | CN¥49.41M | CN¥165.08M | -CN¥24.78M | -CN¥10.25M |
| -Gain Loss on Sale of Assets | -CN¥20.31M | -CN¥44.97M | -CN¥175.69M | CN¥139.53M | -CN¥38.32M |
| Credit Losses Provision | -CN¥1.07B | -CN¥1.28B | -CN¥4.18B | -CN¥1.50B | -CN¥938.62M |
| Non-Interest Expense | CN¥530.79M | CN¥708.92M | CN¥4.80B | CN¥1.03B | CN¥1.58B |
| Selling and Admin Expenses | CN¥533.47M | CN¥614.57M | CN¥3.13B | CN¥693.35M | CN¥808.63M |
| -Selling & Marketing Expense | CN¥396.83M | CN¥455.92M | CN¥2.47B | CN¥550.55M | CN¥664.81M |
| -General & Admin Expense | CN¥136.64M | CN¥158.65M | CN¥658.98M | CN¥142.80M | CN¥143.82M |
| Other Non-Interest Expenses | -CN¥2.68M | CN¥94.35M | CN¥1.67B | CN¥337.71M | CN¥773.08M |
| Other Income (Expense) | CN¥83.18M | CN¥114.85M | CN¥270.14M | – | – |
| Special Income (Charges) | CN¥83.18M | CN¥114.85M | CN¥270.14M | – | – |
| -Gain on Extinguishment of Debt | -CN¥83.18M | -CN¥114.85M | -CN¥270.14M | – | – |
| Pretax Profit | CN¥1.09B | CN¥1.14B | CN¥7.38B | CN¥1.15B | CN¥1.83B |
| Tax | CN¥691.14M | CN¥260.72M | CN¥1.40B | CN¥136.51M | CN¥398.83M |
| Net Profit | CN¥401.37M | CN¥879.81M | CN¥5.98B | CN¥1.02B | CN¥1.43B |
| Profit from Continuing Operations | CN¥401.37M | CN¥879.81M | CN¥5.98B | CN¥1.02B | CN¥1.43B |
| Minority Interests | -CN¥4.54M | -CN¥3.52M | -CN¥14.05M | -CN¥3.45M | -CN¥3.51M |
| Net Income to Parent Company | CN¥405.91M | CN¥883.32M | CN¥5.99B | CN¥1.02B | CN¥1.44B |
| Net Income to Common Stockholders | CN¥405.91M | CN¥883.32M | CN¥5.99B | CN¥1.02B | CN¥1.44B |
| Basic EPS | CN¥3.34 | CN¥7.26 | CN¥44.96 | CN¥7.92 | CN¥10.96 |
| Diluted EPS | CN¥3.28 | CN¥7.16 | CN¥44.02 | CN¥7.82 | CN¥10.80 |
| Dividend Per Share | CN¥5.33 | CN¥0.00 | CN¥10.50 | CN¥0.00 | CN¥5.41 |
Balance sheet
| Line item | 2026 Q2 (CNY) |
2026 Q1 (CNY) |
2025 ANNUAL (CNY) |
2025 Q4 (CNY) |
2025 Q3 (CNY) |
|---|---|---|---|---|---|
| Total Assets | CN¥53.09B | CN¥54.13B | CN¥56.95B | CN¥56.95B | CN¥61.45B |
| Cash, Cash Equivalents & Federal Funds Sold | CN¥7.68B | CN¥9.60B | CN¥7.54B | CN¥7.54B | CN¥9.63B |
| -Cash and Cash Equivalents | CN¥4.12B | CN¥5.67B | CN¥4.70B | CN¥4.70B | CN¥6.52B |
| -Restricted Cash and Investments | CN¥3.56B | CN¥3.94B | CN¥2.84B | CN¥2.84B | CN¥3.10B |
| Securities Investment | CN¥2.70B | CN¥879.29M | CN¥2.85B | CN¥2.85B | CN¥4.40B |
| -Short Term Investments | CN¥2.70B | CN¥879.29M | CN¥2.85B | CN¥2.85B | CN¥4.40B |
| Net Loan | CN¥36.18B | CN¥36.70B | CN¥38.68B | CN¥38.68B | CN¥37.61B |
| -Gross Loan | CN¥36.18B | CN¥36.70B | CN¥42.31B | CN¥42.31B | CN¥37.61B |
| Receivables | CN¥1.56B | CN¥2.09B | CN¥3.54B | CN¥3.54B | CN¥4.67B |
| -Accounts Receivable | CN¥499.54M | CN¥723.64M | CN¥972.26M | CN¥972.26M | CN¥2.02B |
| -Other Receivables | CN¥1.06B | CN¥1.37B | CN¥2.57B | CN¥2.57B | CN¥2.65B |
| Net PPE | CN¥640.89M | CN¥647.94M | CN¥636.99M | CN¥636.99M | CN¥575.73M |
| Goodwill and Other Intangible Assets | CN¥1.01B | CN¥1.02B | CN¥1.02B | CN¥1.02B | CN¥1.03B |
| -Goodwill | CN¥45.17M | CN¥45.18M | CN¥45.20M | CN¥45.20M | CN¥45.22M |
| -Other Intangible Assets | CN¥965.96M | CN¥971.53M | CN¥977.25M | CN¥977.25M | CN¥982.31M |
| Prepaid Assets | CN¥257.94M | CN¥301.91M | CN¥325.70M | CN¥325.70M | CN¥321.28M |
| Deferred Assets | CN¥1.57B | CN¥1.34B | CN¥1.38B | CN¥1.38B | CN¥1.41B |
| Other Assets | CN¥1.50B | CN¥1.54B | CN¥968.35M | CN¥968.35M | CN¥1.81B |
| Total Liabilities | CN¥28.31B | CN¥29.73B | CN¥32.79B | CN¥32.79B | CN¥37.15B |
| Short-Term Debt and Capital Lease Obligation | CN¥2.18B | CN¥1.42B | CN¥2.24B | CN¥2.24B | CN¥1.49B |
| -Current Debt | CN¥2.18B | CN¥1.42B | CN¥2.22B | CN¥2.22B | CN¥1.49B |
| Payables | CN¥19.11B | CN¥19.81B | CN¥21.67B | CN¥21.67B | CN¥21.60B |
| -Total Tax Payable | CN¥1.06B | CN¥958.92M | CN¥1.09B | CN¥1.09B | CN¥793.71M |
| -Other Payable | CN¥18.05B | CN¥18.85B | CN¥20.32B | CN¥20.32B | CN¥20.73B |
| Long Term Debt and Capital Lease Obligation | CN¥760.75M | CN¥772.00M | CN¥1.58B | CN¥1.58B | CN¥4.83B |
| -Long Term Debt | CN¥760.75M | CN¥772.00M | CN¥1.58B | CN¥1.58B | CN¥4.83B |
| Non-Current Deferred Liabilities | CN¥330.93M | CN¥367.66M | CN¥1.11B | CN¥1.11B | CN¥741.56M |
| Other Liabilities | CN¥5.92B | CN¥7.37B | CN¥5.09B | CN¥5.09B | CN¥8.47B |
| Total Equity | CN¥24.78B | CN¥24.40B | CN¥24.16B | CN¥24.16B | CN¥24.30B |
| Stockholders' Equity | CN¥24.75B | CN¥24.36B | CN¥24.11B | CN¥24.11B | CN¥24.26B |
| Minority Interests | CN¥34.07M | CN¥38.61M | CN¥42.13M | CN¥42.13M | CN¥45.57M |
| -Allowance for Loans and Lease Losses | – | – | CN¥3.63B | CN¥3.63B | – |
| -Current Capital Lease Obligation | – | – | CN¥18.36M | CN¥18.36M | – |
| -Due to Related Parties | – | – | CN¥256.97M | CN¥256.97M | CN¥83.04M |
| Current Accrued Expenses | – | – | CN¥1.10B | CN¥1.10B | – |
| Capital Stock | – | – | CN¥20,000.00 | CN¥20,000.00 | – |
| -Common Stock | – | – | CN¥20,000.00 | CN¥20,000.00 | – |
| Additional Paid-In Capital | – | – | CN¥3.87B | CN¥3.87B | – |
| Retained Earnings | – | – | CN¥24.50B | CN¥24.50B | – |
| Less: Treasury Stock | – | – | CN¥4.07B | CN¥4.07B | – |
| Gains/Losses Not Affecting Retained Earnings | – | – | -CN¥195.69M | -CN¥195.69M | – |
Cash flow
| Line item | 2026 Q2 (CNY) |
2026 Q1 (CNY) |
2025 ANNUAL (CNY) |
2025 Q4 (CNY) |
2025 Q3 (CNY) |
|---|---|---|---|---|---|
| Operating Cash Flow | CN¥1.09B | CN¥2.10B | CN¥11.08B | CN¥3.15B | CN¥2.50B |
| Net cash flow from investing | -CN¥2.37B | CN¥2.41B | -CN¥13.08B | -CN¥1.01B | -CN¥645.55M |
| Financing Cash Flow | -CN¥619.88M | -CN¥2.43B | CN¥2.78B | -CN¥4.21B | -CN¥448.66M |
| Ending Cash Balance | CN¥7.68B | CN¥9.60B | CN¥7.54B | CN¥7.54B | CN¥9.63B |
| Net Change in Cash | -CN¥1.90B | CN¥2.08B | CN¥785.57M | -CN¥2.06B | CN¥1.41B |
| Beginning Cash Balance | CN¥9.60B | CN¥7.54B | CN¥6.81B | CN¥9.63B | CN¥8.21B |
| Effect of Exchange Rate Changes | -CN¥23.55M | -CN¥12.05M | -CN¥50.45M | -CN¥21.54M | CN¥5.50M |
| Free Cash Flow | CN¥1.09B | CN¥2.10B | CN¥10.84B | CN¥2.91B | CN¥2.50B |
| Net cash flow from continuing operations | – | – | CN¥11.08B | – | – |
| Net Income from Continuing Operations | – | – | CN¥5.98B | – | – |
| Gain/Loss from Continuing Operations | – | – | -CN¥254.01M | – | – |
| Depreciation & Depletion & Amortization | – | – | CN¥68.12M | – | – |
| Other Non-Cash Items | – | – | CN¥1.69B | – | – |
| Change in Working Capital | – | – | -CN¥953.86M | – | – |
| -Change in Receivables | – | – | CN¥300.66M | – | – |
| -Change in Prepaid Assets | – | – | CN¥742.01M | – | – |
| -Change in Payables and Accrued Expense | – | – | CN¥182.04M | – | – |
| -Change in Deferred Charges | – | – | -CN¥292.89M | – | – |
| -Change in Other Current Assets | – | – | CN¥22.56M | – | – |
| -Change in Other Current Liabilities | – | – | -CN¥1.68B | – | – |
| -Change in Other Working Capital | – | – | -CN¥230.58M | – | – |
| Net Cash Flow from Continuing Investing Activities | – | – | -CN¥13.08B | – | – |
| Net PPE Purchase and Sale | – | – | -CN¥240.54M | – | – |
| Net Investment Purchase and Sale | – | – | CN¥337.51M | – | – |
| Net Income from Loans | – | – | -CN¥12.97B | – | – |
| Net Other Investing Changes | – | – | -CN¥208.03M | – | – |
| Net Cash Flow from Continuing Financing Activities | – | – | CN¥2.78B | – | – |
| Net Issuance Payments of Debt | – | – | CN¥3.07B | – | – |
| Net Common Stock Issuance | – | – | -CN¥4.85B | – | – |
| Cash Dividends Paid | – | – | -CN¥1.38B | – | – |
| Net Other Financing Activities | – | – | CN¥5.94B | – | – |
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