Qifu Technology (QFINN) Stock Price & Analysis
QFINN Stock Chart & Stats
- Day’s Range
- N/A
- 52-Week Range
- N/A
- Previous Close
- N/A
- Volume
- N/A
- Average Volume (3M)
- N/A
- Market Cap
- MXN 12.01B
- Enterprise Value
- MXN 864.08M
- Total Cash (Recent Filing)
- MXN 10.38B
- Total Debt (Recent Filing)
- MXN 2.95B
- Price to Earnings (P/E)
- 0.8
- Beta
- N/A
- Next Earnings
- Nov 18, 2026 (Est.)
- EPS Estimate
- 7.52
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- N/A
Bulls Say, Bears Say
Bulls Say
Platform Scale
The platform’s broad lender network and large user base support durable distribution advantages in consumer credit. Scale can improve data availability, risk-model performance, partner relevance, and operating leverage, reinforcing Qifu’s position as financial institutions digitize lending.
Technology Solutions Growth
Rapid expansion in technology solutions provides a more asset-light growth avenue alongside loan facilitation. Greater adoption of credit, risk, and AI tools by institutions could diversify revenue, deepen partner relationships, and reduce dependence on capital-heavy credit income over time.
Balance Sheet And Cash
Low leverage and continued positive cash generation provide financial flexibility during industry stress. A conservative balance sheet can help Qifu maintain risk controls, fund technology investment, and absorb temporary funding or credit volatility without excessive reliance on external capital.
Bears Say
Revenue And Profit Decline
The sharp contraction in revenue and earnings indicates that current business volumes, pricing, and mix are under pressure rather than merely experiencing modest normalization. Persistent weakness would reduce internal investment capacity and make prior margin levels less sustainable over the coming quarters.
Funding And Volume Pressure
Tighter funding supply and higher partner risk aversion directly constrain loan origination, a key driver of facilitation and servicing revenue. If subdued volumes and elevated funding costs persist, Qifu may face lower operating leverage, weaker profitability, and reduced visibility into recovery timing.
Credit And Regulatory Risk
Renewed deterioration in early-stage delinquencies can increase provisioning and weaken partner economics, while collection-capacity shortages may raise recovery costs. Regulatory scrutiny of collection practices adds structural execution pressure to risk management and post-origination operations.
Qifu Technology News
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Qfin Holdings, Inc. ($QFIN) is facing a federal securities lawsuit after investors allege the company overstated its resilience while regulatory pressures were already damaging its business, culminating in a sharp
Qfin Holdings (QFIN) Faces Securities Lawsuit After ADS Price Drops Nearly 19% on Weak Results and Regulatory Fallout
Qfin Holdings, Inc. ($QFIN) is facing a federal securities lawsuit alleging the Company overstated the stability of its business while downplaying the mounting pressure from sweeping regulatory changes in China’s
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Company Description
Qifu Technology
Qifu Technology, Inc. (QFIN), known as 360 DigiTech, Inc. until its rebranding in March 2023, is a credit technology firm based in the People's Republic of China. Through its 360 Jietiao platform, the company facilitates credit-driven services by connecting borrowers with financial institutions. Its comprehensive offerings cover the entire lending lifecycle, including identifying and acquiring customers, performing initial and advanced credit screenings, conducting sophisticated risk assessments, evaluating creditworthiness, matching funds, and providing ongoing post-facilitation support. Additionally, Qifu Technology furnishes its financial partners with platform services, utilizing an intelligent credit engine, referral systems, and risk management software-as-a-service (SaaS) to streamline loan origination and subsequent management. The company specializes in various loan types, such as e-commerce, enterprise, and invoice loans, catering particularly to the needs of small and micro-enterprise owners. Serving a broad clientele that includes financial institutions, individual consumers, and SMEs, Qifu Technology was founded in 2016 and maintains its headquarters in Shanghai, China.
- Sector
- Financial
- Industry
- Financial - Credit Services
- CEO
- Yan Zheng
- Employees
- 3,557
- Website
- www.qfin.com
- Address
- Building 1, Shanghai, SH, 200331, CN
Qifu Technology (QFINN) Earnings & Revenues
QFINN Company Deck
QFINN Earnings Call
Earnings Call SentimentNegative
The call presents a mixed picture: Q2 showed operational resilience with improved short-term risk metrics, funding mix optimization (including a 90% sequential increase in ABS issuance), strong growth in the tech solutions business (loan volume +515% YoY) and continued AI and overseas progress. However, an industry liquidity shock in late June, escalating regulatory actions (particularly against collection practices), materially weaker revenue and profit (non-GAAP net profit down sharply year-over-year), elevated provisioning (new provision ratio at a historical high of 5.36%), a one-off tax expense (~RMB 500M) and renewed risk deterioration in August create significant near-term headwinds. Management is prioritizing risk control, cost discipline and capital preservation, and expects subdued origination and higher funding costs in H2. On balance, the near-term negatives (sizeable revenue/profit declines and renewed risk/funding pressure) outweigh the positive strategic progress and Q2 operational improvements.
View all MX:QFINN earnings summaries