Qifu Technology/$QFIN
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About Qifu Technology
Qfin Holdings Inc Formerly Qifu Technology Inc is a Credit-Tech platform in China. It provides credit services more accessible and personalized to consumers and SMEs through Credit-Tech services to financial institutions, whereby it deploys its technology solutions to help financial institutions identify the diversified needs of consumers and SMEs, effectively access prospective borrowers that are creditworthy through multi-channels, enhance credit assessment on prospective borrowers, and manage credit risks and improve collection strategies and efficiency, among others.
Ticker
$QFIN
Sector
Primary listing
Employees
3,527
Headquarters
Website
Qifu Technology Metrics
BasicAdvanced
$3B
3.14
$7.11
0.51
$1.44
6.73%
Price and volume
Market cap
$3B
Beta
0.51
52-week high
$48.94
52-week low
$20.45
Average daily volume
2M
Dividend rate
$1.44
Financial strength
Current ratio
3.477
Quick ratio
0.804
Long term debt to equity
22.335
Total debt to equity
28.405
Dividend payout ratio (TTM)
17.41%
Profitability
EBITDA (TTM)
1,305.972
Gross margin (TTM)
65.97%
Net profit margin (TTM)
38.67%
Operating margin (TTM)
49.16%
Effective tax rate (TTM)
16.62%
Revenue per employee (TTM)
$747,240
Management effectiveness
Return on assets (TTM)
10.80%
Return on equity (TTM)
30.97%
Valuation
Price to earnings (TTM)
3.135
Price to revenue (TTM)
1.187
Price to book
0.12
Price to tangible book (TTM)
0.13
Price to free cash flow (TTM)
2.081
Free cash flow yield (TTM)
48.05%
Free cash flow per share (TTM)
10.705
Dividend yield (TTM)
6.46%
Forward dividend yield
6.73%
Growth
Revenue change (TTM)
9.77%
Earnings per share change (TTM)
68.82%
3-year revenue growth (CAGR)
2.27%
3-year earnings per share growth (CAGR)
17.20%
3-year dividend per share growth (CAGR)
67.69%
What the Analysts think about Qifu Technology
Analyst ratings (Buy, Hold, Sell) for Qifu Technology stock.
Bulls say / Bears say
In Q2 2025, Qfin’s total net revenue increased 25.38% year-on-year to RMB 5.22 billion and net income rose 25.60% to RMB 1.73 billion, demonstrating solid demand and strong profitability (Google Finance)
As of June 30, 2025, Qfin had established partnerships with 165 financial institutions and connected 275.8 million consumers—up 11.4% year-on-year—highlighting continued platform growth (GLOBE NEWSWIRE)
Qifu Technology was recognized as the “Most Honored Company” in the 2025 Extel Asia Best Managed Teams rankings for the second year running, winning top honors for Best CEO, CFO, and Investor Relations, which underscores its leadership in governance and investor relations (PR Newswire)
Management’s outlook for Q3 2025 forecasts net income of RMB 1.52 billion to RMB 1.72 billion, indicating a year-on-year decline of 2% to 13% and suggesting short-term pressure on profitability (NASDAQ)
Chinese banks are struggling to boost consumer lending amid weak demand and rising defaults, which signals that Qfin’s loan origination volumes could also face challenges due to deteriorating credit appetite (Reuters)
The share of loan volume in Qfin’s higher-margin capital-light model dropped to 41.4% in Q2 from 49.3% in Q1, reflecting a move toward capital-heavy lending that may reduce fee-based margins (GLOBE NEWSWIRE)
Data summarised monthly by Lightyear AI. Last updated on 4 Nov 2025.
Qifu Technology Financial Performance
Revenues and expenses
Qifu Technology Earnings Performance
Company profitability
Qifu Technology News
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FAQs
What’s the current market cap for Qifu Technology stock?
Qifu Technology (QFIN) has a market cap of $3B as of November 08, 2025.
What is the P/E ratio for Qifu Technology stock?
The price to earnings (P/E) ratio for Qifu Technology (QFIN) stock is 3.14 as of November 08, 2025.
Does Qifu Technology stock pay dividends?
Yes, the Qifu Technology (QFIN) stock pays dividends to shareholders. As of November 08, 2025, the dividend rate is $1.44 and the yield is 6.73%. Qifu Technology has a payout ratio of 17.41% on a trailing twelve-month basis.
When is the next Qifu Technology dividend payment date?
The next Qifu Technology (QFIN) dividend payment date is unconfirmed.
What is the beta indicator for Qifu Technology?
Qifu Technology (QFIN) has a beta rating of 0.51. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.