← Qfin Holdings, Inc. QFIN
Market Price
$12.28
Market Cap
$1.52B
P/E Ratio
3.90
Revenue (FY 2025)
↑16.8% YoY
$2.75B
3-Yr CAGR: 4.6%
Net Income
↓-4.4% YoY
$5.99B
Net Margin: 218.1%
Free Cash Flow
↑19.3% YoY
$1.34B
FCF Yield: 88.55%
EPS (Diluted)
↑11.3% YoY
$3.15
Basic: $3.21
Return on Equity
Efficiency
173.7%
ROA: 10.5%
⚡ Elevated ROE due to low book equity from buybacks
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (QFIN)
All monetary values in millions ($M)| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2017 | $788.1M | — | $652.0M | $164.9M | — | $0.83 | — | $-111.0M | $-118.1M | — |
| FY 2018 | $646.8M | -17.9% | $540.8M | $173.6M | +5.3% | $-1.37 | -265.1% | $41.5M | $32.9M | +127.9% |
| FY 2019 | $1,324.3M | +104.8% | $1,168.7M | $2,501.3M | +1,341.2% | $1.19 | +186.9% | $427.1M | $401.5M | +1,119.7% |
| FY 2020 | $2,078.8M | +57.0% | $1,833.5M | $3,495.7M | +39.8% | $1.75 | +47.1% | $816.2M | $800.9M | +99.5% |
| FY 2021 | $2,610.5M | +25.6% | $2,257.1M | $5,781.7M | +65.4% | $2.82 | +61.1% | $908.5M | $883.2M | +10.3% |
| FY 2022 | $2,400.1M | -8.1% | $2,056.0M | $4,024.2M | -30.4% | $1.81 | -35.8% | $858.7M | $831.7M | -5.8% |
| FY 2023 | $2,294.4M | -4.4% | $1,919.8M | $4,285.3M | +6.5% | $1.84 | +1.7% | $1,002.6M | $918.0M | +10.4% |
| FY 2024 | $2,351.7M | +2.5% | $1,954.3M | $6,264.3M | +46.2% | $2.83 | +53.8% | $1,280.0M | $1,126.9M | +22.7% |
| FY 2025 | $2,746.3M | +16.8% | $2,317.0M | $5,989.7M | -4.4% | $3.15 | +11.3% | $1,585.0M | $1,344.4M | +19.3% |
Valuation
Market Price
$12.28
Market Cap
$1.52B
Enterprise Value
$4.67B
P/E Ratio
3.90
P/B Ratio
0.43
FCF Yield
88.55%
Dividend Yield
N/A
Shares Outstanding
Profitability & Margins
Gross Margin
84.37%
Operating Margin
34.77%
Net Margin
218.10%
Return on Equity (ROE)
173.70%
Return on Assets (ROA)
10.52%
Asset Turnover
0.05x
Revenue 3-Yr CAGR
4.59%
Financial Health & Liquidity
Current Ratio
0.04
Cash Ratio
0.23
Debt / Equity
1.109
Debt / Assets
0.067
Cash & Equivalents
$671.64M
Total Debt
$3.82B
Book Value / Share
$28.32
Cash Flow Efficiency
Operating Cash Flow
$1.58B
Capital Expenditures (CapEx)
$240.54M
Free Cash Flow
$1.34B
OCF / Revenue
57.71%
FCF / Revenue
48.95%
FCF 3-Yr CAGR
17.36%
Per Share Metrics
EPS (Diluted)
$3.15
EPS (Basic)
$3.21
Dividends / Share
N/A
Book Value / Share
$28.32
EPS YoY Growth
11.31%
Balance Sheet (FY 2025)
Total Assets
$56.95B
Total Liabilities
$32.79B
Stockholders' Equity
$3.45B
Current Assets
$110.54M
Current Liabilities
$2.91B