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Earnings transcript
Read the complete earnings call transcript.
QFIN
Qfin Holdings, Inc.
$12.99
0.01
(0.08%)
| Exchange: | NASDAQ |
| Market Cap: | 1.691B |
| Shares Outstanding: | 99.174M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Financial – Credit Services | |||||
| CEO: | Haisheng Wu | |||||
| Full Time Employees: | 3527 | |||||
| Address: |
| |||||
| Website: | https://www.360shuke.com |
Qifu Technology, Inc., together with its subsidiaries, operates credit-tech platform under the 360 Jietiao brand in the People’s Republic of China. The company provides credit-driven services that matches borrowers with financial institutions to conduct customer acquisition, initial and credit screening, advanced risk assessment, credit assessment, fund matching, and other post-facilitation services; and platform services, including loan facilitation and post-facilitation services to financial institution partners under intelligence credit engine, referral services, and risk management software-as-a-service. It offers e-commerce loans, enterprise loans, and invoice loans to SME owners. It serves financial institutions, consumers, and small- and micro-enterprises. The company was formerly known as 360 DigiTech, Inc. and changed its name to Qifu Technology, Inc. in March 2023. Qifu Technology, Inc. was founded in 2016 and is headquartered in Shanghai, the People’s Republic of China.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 16,290,027 | 17,165,656 | 18,681,820 |
| Gross Profit | 10,447,534 | 10,603,837 | 15,227,689 |
| EBITDA | 7,984,536 | 8,080,736 | 7,175,173 |
| Operating Income | 4,856,964 | 7,528,570 | 6,325,562 |
| Net Income | 4,285,336 | 6,264,314 | 5,799,172 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 45,818,572 | 48,132,618 | 56,986,060 |
| Total Liabilities | 23,808,715 | 23,886,399 | 32,813,634 |
| Total Stockholders Equity | 21,937,483 | 24,190,043 | 24,172,426 |
| Total Debt | 827,729 | 1,397,197 | 2,223,436 |
| Cash and Cash Equivalents | 4,177,890 | 4,452,416 | 7,545,720 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2022 | 2023 | 2024 |
|---|---|---|---|
| Operating Cash Flow | 5,922,515 | 7,118,350 | 9,343,311 |
| Capital Expenditure | -25,307 | -84,554 | 0 |
| Free Cash Flow | 5,897,208 | 7,033,796 | 9,343,311 |
| Net Income | 5,764,513 | 4,268,577 | 6,248,116 |
| Net Change in Cash | 1,752,416 | -2,953,366 | -753,197 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 12,080,436.975 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 16,399,534.356 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 14,148,494.433 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 5,993,265.285 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 8,136,026.880 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 7,019,256.067 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 1,793,042.625 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 2,847,885.372 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 2,320,463.999 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 1,423,251.892 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 1,932,104.638 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 1,666,899.262 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 34.740 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 41.850 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 26.350 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 6 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 6 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeSWOT Analysis
Strengths (preview)
- Robust Financial Performance: Qifu Technology reported strong financial results in Q4 and full year 2024, with notable growth in revenue and net income as highlighted in the earnings call transcript. Key metrics such as roeTTM and netProfitMarginTTM likely reflect solid profitability compared to industry benchmarks.
- Operational Efficiency: The earnings call emphasized effective cost management and operational improvements, contributing to a healthy freeCashFlowYieldTTM. Positive trends in operatingCashFlow and freeCashFlow from the cash flow statements further support the company’s ability to generate cash efficiently.
- Market Positioning: As part of the financial technology sector (sectorName), Qifu Technology benefits from a strong industry position, potentially reflected in competitive priceToEarningsRatioTTM or priceToSalesRatioTTM metrics, indicating investor confidence in its business model.
- Dividend Appeal: A consistent dividendYieldTTM and history of netDividendsPaid (from cash flow statements) make QFIN attractive to income-focused investors, providing a steady return amidst market volatility.
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At what price to buy it? -
Intrinsic Value Calculator
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about QFIN valuation
Is Qfin Holdings, Inc. (QFIN) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Qfin Holdings, Inc. (QFIN) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is QFIN a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether QFIN trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is QFIN’s P/E ratio?
You can see QFIN’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for QFIN?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is QFIN a good long-term investment?
Whether QFIN fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
QFIN
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Daily snapshot
0.08
Trading Metrics:
| Open: | 12.73 | Previous Close: | 12.98 | |
| Day Low: | 12.7 | Day High: | 13.22 | |
| Year Low: | 12.29 | Year High: | 47 | |
| Price Avg 50: | 14.69 | Price Avg 200: | 24.86 | |
| Volume: | 869283 | Average Volume: | 1.558M |
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Login — it's freeQFIN full analysis
Welcome to MARKETSNAP’s SWOT analysis for Qifu Technology, also known by its ticker QFIN. If you’re not familiar with this name, let me give you the quick rundown. Qifu Technology is a player in the financial technology space, operating primarily in the consumer finance industry within the broader financial sector. Based in China, they’ve carved out a niche by leveraging tech to provide credit solutions and financial services, aiming to bridge gaps in the market for underserved consumers. With a…
