Qfin (ADR) (QFIN)
Connects financial institutions with consumers and SMEs through technology-enabled credit services.
$7.63
vs last close−0.24 (−3.05%)
In millions of USD, except per-share figures · converted from CNY at the latest rate
| In millions | Q3 FY23Sep 2023 | Q4 FY23Dec 2023 | Q1 FY24Mar 2024 | Q2 FY24Jun 2024 | Q3 FY24Sep 2024 | Q4 FY24Dec 2024 | Q1 FY25Mar 2025 | Q2 FY25Jun 2025 | Q3 FY25Sep 2025 | Q4 FY25Dec 2025 | Q1 FY26Mar 2026 | Q2 FY26Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 639 | 671 | 620 | 621 | 652 | 669 | 606 | 646 | 777 | 509 | 583 | 531 |
| Cost of revenue | 208 | 251 | 274 | 269 | 208 | 227 | 133 | 137 | 272 | 223 | 326 | 120 |
| Gross profit | 431 | 420 | 345 | 352 | 444 | 442 | 473 | 509 | 505 | 286 | 257 | 411 |
| 223 | 228 | 142 | 56 | 102 | 160 | 141 | 184 | 251 | 114 | 92 | 241 | |
| 93 | 98 | 78 | 69 | 76 | 101 | 118 | 125 | 121 | 103 | 92 | 80 | |
| Selling & marketing | 79 | 82 | 62 | 55 | 63 | 78 | 88 | 99 | 99 | 82 | 68 | 59 |
| General & administrative | 14 | 16 | 16 | 14 | 14 | 23 | 29 | 26 | 21 | 21 | 24 | 20 |
| Other expenses | 130 | 130 | 64 | −13 | 26 | 58 | 24 | 59 | 130 | 10 | 0 | 162 |
| Operating income | 207 | 191 | 204 | 296 | 342 | 282 | 331 | 324 | 254 | 172 | 165 | 170 |
| 13 | 8 | 24 | 14 | 10 | 6 | 0 | 0 | 20 | 0 | 5 | −7 | |
| Interest income | 212 | 229 | 237 | 259 | 270 | 260 | 281 | 340 | 360 | 325 | 0 | 278 |
| Interest expense | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 19 | 0 |
| Other non-operating income | −124 | −117 | −47 | 32 | −10 | −46 | 0 | 0 | −115 | 0 | 24 | 7 |
| Income before tax | 221 | 199 | 228 | 310 | 352 | 288 | 331 | 324 | 273 | 172 | 170 | 163 |
| Income tax expense | 51 | 33 | 55 | 104 | 83 | 3 | 63 | 66 | 60 | 20 | 39 | 103 |
| Net income from continuing operations | 170 | 165 | 173 | 205 | 268 | 285 | 268 | 258 | 214 | 152 | 131 | 60 |
| Net income | 170 | 166 | 174 | 206 | 269 | 286 | 269 | 259 | 214 | 152 | 131 | 60 |
| EPS, basic | $1.07 | $1.03 | $1.12 | $1.37 | $1.81 | $2.04 | $1.91 | $1.93 | $1.63 | $2.34 | $2.17 | $0.99 |
| EPS, diluted | $1.05 | $1.00 | $1.10 | $1.33 | $1.78 | $2.00 | $1.87 | $1.88 | $1.61 | $2.30 | $2.14 | $0.98 |
| Weighted average shares, basic | 160 | 158 | 156 | 152 | 145 | 143 | 140 | 133 | 131 | 129 | 140 | 140 |
| Weighted average shares, diluted | 165 | 162 | 159 | 155 | 148 | 145 | 143 | 136 | 133 | 131 | 143 | 143 |
| EBITDA | 334 | 311 | 254 | 267 | 354 | 331 | 331 | 324 | 372 | 172 | 141 | 163 |
| Depreciation & amortization | 3 | 3 | 3 | 3 | 3 | 3 | 0 | 0 | 3 | 0 | 0 | 0 |
| EBIT | 331 | 308 | 251 | 264 | 352 | 329 | 331 | 324 | 369 | 172 | 141 | 163 |