Qfin Holdings Inc ADR Dossier
Financial Snapshot
Revenue, profitability, returns, debt, and capital allocation
Revenue $2.7B+16.8% YoYTTM through 31 Dec 2025
Net Income $854.5M-0.2% YoYTTM through 31 Dec 2025
Free Cash Flow $1.6BTTM through 31 Dec 2025
Margins
| Current | |
|---|---|
| Operating Margin | 34.8% |
| Net Margin | 31.1% |
Returns
24.8%ROE
10.5%ROA
Balance Sheet Health
Current Ratio2.43x
Cash & Equivalents$671.6M
Quality Metrics
Altman Z-Score2.06
Piotroski F-Score4 / 9
FCF Margin56.5%
Earnings-Beat Rate50.0%
Multi-Year Trend
RevenueFY2025: $19.2B
Diluted EPS$3.15TTMFY2025: $3.15
Dividend
$0.78Per share, FY202610.14%Yield+22.7%5-yr growth
Capital Allocation
Capex Intensity1.3%
Segment Performance
| Segment | Revenue | YoY | Outlook |
|---|---|---|---|
| Credit Driven Services | |||
| Platform Services |
Financials converted at 6.9961 from RMB.
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