Qfin (ADR)
Connects financial institutions with consumers and SMEs through technology-enabled credit services.
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Profile
Connects financial institutions with consumers and small and medium-sized enterprises through credit-driven and platform services. Credit-driven work may carry risk through guarantees or lending, while platform services provide technology-enabled facilitation, marketing, referral, and risk-management services without taking credit risk.
Connects financial institutions with consumers and small and medium-sized enterprises through technology-enabled borrower acquisition, credit assessment, fund matching, and post-facilitation work. Credit-driven services can bear credit risk through guarantees or lending, while platform services provide facilitation, marketing, referral, and risk-management services without taking that risk.
Formed as a 360 Group spin-off, the group began operating independently in 2016 and later rebranded its primary interface as Qifu Jietiao. Its Intelligence Credit Engine is an open intelligent-marketing platform for financial-institution partners. The China-focused credit-tech model depends on financial-institution partners and operates amid Chinese credit cycles, regulatory change, and macroeconomic uncertainty.
Company facts
Categories
Key statistics
Year to date −53.8% · Average volume (30d) 2.1M
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Aug 26, 2026 | Morgan Stanley | Target | $27.90 | $13 | ||
| Aug 26, 2026 | Citigroup | Downgrade | Buy | Sell | ||
| Aug 26, 2026 | Jefferies | Reiterate | Buy | $15.40 | ||
| Aug 12, 2026 | Deutsche Bank | Downgrade | Hold | $13 | ||
| May 27, 2026 | Truist Financial | Target | $15.33 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Aug 25, 2026Q2 FY26 | $1.06 | $0.48 | −54.7% | $562.4M | $524.9M | −6.7% | −18.91% |
| May 26, 2026Q1 FY26 | $0.96 | $1.04 | +8.3% | $476.9M | $566.6M | +18.8% | +25.02% |
| Mar 17, 2026Q4 FY25 | $1.13 | $1.12 | −0.9% | $644.4M | $585.1M | −9.2% | −8.45% |
| Nov 18, 2025Q3 FY25 | $1.68 | $1.52 | −9.5% | $664.9M | $731.1M | +10.0% | −14.23% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $604.0M | $644.1M | $774.6M | $600.6M | $581.7M | $529.2M | |
| Gross profit | $471.3M | $507.1M | $503.3M | $470.4M | $256.2M | $409.7M | |
| Operating income | $330.4M | $323.2M | $253.0M | $120.1M | $164.7M | $169.2M | |
| Net income | $267.9M | $258.0M | $213.7M | $148.6M | $130.9M | $60.2M | |
| Diluted EPS | $1.87 | $1.88 | $1.60 | $2.29 | $2.13 | $0.97 | |
| Gross margin | 78.0% | 78.7% | 65.0% | 78.3% | 44.0% | 77.4% | |
| Operating margin | 54.7% | 50.2% | 32.7% | 20.0% | 28.3% | 32.0% |
Fiscal years (4-quarter sums)FY21 $2.13B · FY22 $2.03B · FY23 $2.22B · FY24 $2.55B · FY25 $2.62B
Revenue by product · FY25
Balance sheet, Jun 30, 2026Cash & short-term investments $1.54B · Total debt $438.3M · Total assets $7.90B · Shareholders' equity $3.68B
Dividends
Last raised to $0.78 from $0.76 in Apr 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Apr 22, 2026 | Apr 22 | May 14 | $0.78 | raised from $0.76 |
| Sep 8, 2025 | Sep 8 | Sep 30 | $0.76 | raised from $0.70 |
| Apr 23, 2025 | Apr 23 | Jun 2 | $0.70 | raised from $0.59 |
| Sep 27, 2024 | Sep 27 | Nov 1 | $0.59 | raised from $0.58 |
| Apr 12, 2024 | Apr 15 | May 24 | $0.58 | raised from $0.50 |
| Sep 21, 2023 | Sep 22 | Nov 1 | $0.50 | raised from $0.16 split-adjusted |
| Apr 10, 2023 | Apr 11 | May 19 | $0.16 | special dividend |
| Dec 9, 2022 | Dec 12 | Jan 18 | $0.15 | cut from $0.18 split-adjusted |
Ownership
Shares outstanding 130.19M · Float 111.18M · 85.4% free float
Insiders — filings are in the shares behind the receipt.
This listing is a depositary receipt and the Form 4 positions here are filed in the shares behind it, a different unit from the share count and in a ratio the filings never state, so no insider percentage is shown.
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| Aerovane Company Limited | 46.52M | 17.90% | 13D | Dec 5, 2025 |
| BlackRock, Inc. | 6.43M | 4.94% | 13F | Aug 7, 2026 |
| Aspex Management (HK) Ltd | 6.42M | 4.93% | 13F | Aug 14, 2026 |
| Fountainvest China Capital Partners GP3 Ltd. | 6.04M | 4.64% | 13F | Aug 11, 2026 |
| Triata Capital Ltd | 5.17M | 3.97% | 13F | Aug 13, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Jun 9, 2026 | Xiaohuan Chen | director | +4,000 | $14.41 |
| Mar 31, 2023 | Xiaohuan Chen | director | +60,270 | $12.51 |
| Mar 27, 2026 | Xiaohuan Chen | director | +190,330 | $12.90 |
Peers
- FinVolution Group (ADR)
Online consumer-finance platform for borrowers and financial institutions
- LexinFintech (ADR)
Personal-finance platform with loan facilitation and servicing
- Yiren Digital (ADR)
Digital lender with credit solutions and insurance services
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Qfin (ADR) | $8.78 | −0.31% | $1.15B | 1.3 | 3.0 | 0.5 | −13.0% |
| FinVolution Group (ADR) | $3.46 | +1.91% | $844.5M | 3.1 | — | 0.4 | +0.4% |
| LexinFintech (ADR) | $1.18 | +0.43% | $199.0M | 1.0 | — | 0.1 | +12.5% |
| Yiren Digital (ADR) | $1.09 | +3.81% | $91.3M | — | 1.4 | 0.1 | −32.0% |
| Median | 2.0 | 1.4 | 0.1 | +0.4% |