profit from every $100 of sales.
$0$100
Qfin Holdings
$5.15-3.01% today
-77.8% in 1 year
1-year low $5.151-year high $23.29
Trading close to its lowest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
It has no yearly profit to compare the price with.
CheapExpensive
It holds more cash than debt.
No debt5 years
Money in, money out
What Qfin Holdings sold, what it kept, and what it did with the cash.
Sales went from CN¥13.9 billion in 2022 to CN¥16.1 billion in 2025, with CN¥5.99 billion of profit last year.
SalesProfit
Qfin Holdings handed back 57% of the cash it generated last year.
Buybacks CN¥4.8BCN¥1.4B
Free cash flow 2025CN¥10.8B
Bought back its own sharesCN¥4.8B
Paid as dividendsCN¥1.4B
Cash vs. debtCN¥4.7B vs. CN¥3.8B
Qfin Holdings vs. similar companies
How it compares with the largest companies in its industry.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Qfin Holdings | No profit yet | ||
 Visa | 33.4× · Expensive | ||
 Mastercard | 38.0× · Expensive | ||
 American Express | 19.7× · Fair price | ||
 Capital One Financial | 47.5× · Expensive |
AI analysis
An AI analyst reads Qfin Holdings's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of CNY | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 13,946 | 13,405 | 14,038 | 16,082 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 4,024 | 4,285 | 6,264 | 5,990 | |
| 25.00 | 26.08 | 41.28 | 44.02 | |
| – | – | – | – | |
| – | – | – | – | |
| 28.9% | 32.0% | 44.6% | 37.2% |
Balance sheet
| In millions of CNY | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 40,343 | 45,819 | 48,133 | 56,950 |
| Cash | 7,166 | 4,178 | 4,452 | 4,697 |
| Total debt | 181 | 828 | 1,397 | 3,824 |
| Total liabilities | 21,412 | 23,809 | 23,886 | 32,793 |
| 18,847 | 21,937 | 24,190 | 24,115 | |
| 161 | 164 | 152 | 136 | |
| – | – | – | – | |
| 21.4% | 19.5% | 25.9% | 24.8% |
Cash flow
| In millions of CNY | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 5,923 | 7,118 | 9,343 | 11,084 | |
| 27 | 85 | 153 | 241 | |
| 5,896 | 7,034 | 9,190 | 10,843 | |
| Dividends paid | 989 | 942 | 1,263 | 1,378 |
| 0 | 636 | 2,973 | 4,848 | |
| 200 | 186 | 168 | 378 |
Valuation
- –
- 0.2×
- –
- 0.2×
- –
- –
- –
- –
- –
- 12.0%
Profitability
- 74.4%
- 39.1%
- 37.2%
- 45.5%
- 9.8%
- 24.4%
- 25.0%
- 10.5%
- 12.6%
- –
Growth
- +4.9%
- +20.8%
- +18.0%
- –
- −5.5%
Financial health
- -0.5×
- 0.16
- 6.7%
- –
- 6.27
- 6.27
- 0.31
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 25%of 827
Top 20%of 709
Bottom 36%of 879
What analysts expect
- Average price target
- $28.15
- Range
- $27.90 – $28.40
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Mar 17, 2026 | 1.12 | 1.13 | −0.9% |
| Nov 18, 2025 | 1.52 | 1.68 | −9.5% |
| Aug 14, 2025 | 1.78 | 1.79 | −0.6% |
| May 19, 2025 | 1.74 | 1.72 | +1.2% |
| Mar 16, 2025 | 1.82 | 1.68 | +8.3% |
| Nov 19, 2024 | 1.74 | 1.39 | +25.2% |
| Aug 13, 2024 | 1.22 | 0.99 | +23.2% |
| May 19, 2024 | 1.02 | 1.00 | +2.0% |
12.0%of the share price, paid each year
On $1,000 invested$120a year at today's yield, before tax
–per share
Raised2 yearsin a row, in our data
Paid per share, each year
$0.28 in 2021 → $1.46 in 2025
How safe it looks
23.0% of its profit
Room to growStretchedMore than it earns: 12.7%
News
Qfin stock slumps after Q2 earnings disappoint, with more softness expected in Q3Seeking Alpha · Aug 25, 2026The newest story we have is from Aug 25, 2026.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
6/7Passes 6 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
77Pass
Benjamin Graham
100Pass
Philip Fisher
84Pass
Peter Lynch
68Pass
Joel Greenblatt
13No pass
Charlie Munger
83Pass
Terry Smith
79Pass
Questions about Qfin Holdings
Is Qfin Holdings a good stock to buy?
A strong, very profitable business that is not profitable yet. 6 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Qfin Holdings AI analysis
What does Qfin Holdings do?
Qfin Holdings, Inc., together with its subsidiaries, operate AI- driven credit-tech platform under the Qifu Jietiao brand in the People's Republic of China. It is in Credit Services.
Does Qfin Holdings pay a dividend?
Yes. At today's price the dividend is 12.0% a year, about 23% of its yearly profit. In 2025 it paid out $1.38 billion in dividends.
Is Qfin Holdings stock halal?
No. Qfin Holdings does not pass our halal screen: its main business, lending at interest, is not permitted. How we check
How has Qfin Holdings stock done over the past year?
Down 77.8% over the past twelve months, to $5.15. It traded between $5.15 and $23.29 and is 77.9% below its high.
Who are Qfin Holdings's competitors?
The largest listed companies in the same industry are Visa, Mastercard, American Express and Capital One Financial. The peers table on this page compares their profit, growth and price with Qfin Holdings's.
Prices: daily closes to Nov 12, 2026. Fundamentals: company reports via invest-like data.