Qifu Technology (QFINN) Ratios
Qifu Technology Ratios
MX:QFINN's free cash flow for Q2 2026 was $1.09B. For the 2026 fiscal year, MX:QFINN's free cash flow was increased by $0.00 and operating cash flow was $1.09B. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.47 | 0.69 | 1.31 | 104.07 | 12.15 |
| Quick Ratio | 0.47 | 0.69 | 1.31 | 275.89 | 12.15 |
| Cash Ratio | 0.19 | 0.24 | 0.12 | 47.77 | 4.69 |
| Solvency Ratio | 0.18 | 0.27 | 0.18 | 0.19 | 0.32 |
| Operating Cash Flow Ratio | 0.44 | 0.51 | 0.21 | 39.48 | 4.44 |
| Short-Term Operating Cash Flow Coverage | 4.99 | 6.82 | 8.91 | 39.48 | 14.56 |
| Net Current Asset Value | $ -21.10B | $ -11.28B | $ 20.86B | $ -5.80B | $ -2.44B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.07 | 0.03 | 0.02 | 0.01 | 0.01 |
| Debt-to-Equity Ratio | 0.16 | 0.06 | 0.04 | 0.01 | 0.03 |
| Debt-to-Capital Ratio | 0.14 | 0.05 | 0.04 | 0.01 | 0.03 |
| Long-Term Debt-to-Capital Ratio | 0.06 | 0.00 | 0.00 | 0.00 | 0.00 |
| Financial Leverage Ratio | 2.36 | 1.99 | 2.09 | 2.14 | 2.20 |
| Debt Service Coverage Ratio | 2.72 | 4.70 | 8.74 | 54.53 | 21.81 |
| Interest Coverage Ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Debt to Market Cap | 0.21 | 0.03 | 0.05 | 0.01 | 0.02 |
| Interest Debt Per Share | 28.70 | 9.38 | 5.66 | 1.41 | 2.76 |
| Net Debt to EBITDA | -0.12 | -0.38 | -0.41 | -0.78 | -0.57 |
| Profitability Margins | |||||
| Gross Profit Margin | 74.01% | 61.77% | 64.13% | 70.66% | 77.16% |
| EBIT Margin | 45.87% | 46.65% | 48.56% | 53.40% | 59.30% |
| EBITDA Margin | 46.29% | 47.08% | 49.01% | 53.87% | 59.69% |
| Operating Profit Margin | 45.87% | 43.86% | 29.82% | 27.02% | 40.79% |
| Pretax Profit Margin | 45.87% | 45.98% | 32.40% | 28.65% | 42.21% |
| Net Profit Margin | 37.25% | 36.49% | 26.31% | 24.31% | 34.76% |
| Continuous Operations Profit Margin | 37.16% | 36.40% | 26.20% | 24.20% | 34.65% |
| Net Income Per EBT | 81.20% | 79.37% | 81.20% | 84.86% | 82.33% |
| EBT Per EBIT | 100.00% | 104.83% | 108.66% | 106.04% | 103.49% |
| Return on Assets (ROA) | 10.52% | 13.01% | 9.35% | 9.97% | 17.26% |
| Return on Equity (ROE) | 24.84% | 25.90% | 19.53% | 21.35% | 38.03% |
| Return on Capital Employed (ROCE) | 23.10% | 25.14% | 41.79% | 11.13% | 21.08% |
| Return on Invested Capital (ROIC) | 17.48% | 19.01% | 22.68% | 22.55% | 17.07% |
| Return on Tangible Assets | 10.71% | 13.29% | 9.57% | 10.23% | 17.80% |
| Earnings Yield | 33.36% | 15.01% | 24.33% | 18.34% | 25.84% |
| Efficiency Ratios | |||||
| Receivables Turnover | 16.54 | 7.66 | 5.51 | 5.07 | 1.88 |
| Payables Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | -0.19 | 0.00 |
| Fixed Asset Turnover | 25.25 | 47.32 | 58.89 | 347.76 | 667.00 |
| Asset Turnover | 0.28 | 0.36 | 0.36 | 0.41 | 0.50 |
| Working Capital Turnover Ratio | -1.70 | -3.18 | 1.26 | 1.10 | 1.25 |
| Cash Conversion Cycle | 22.07 | 47.67 | 66.20 | -1865.21 | 194.31 |
| Days of Sales Outstanding | 22.07 | 47.67 | 66.20 | 71.96 | 194.31 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | -1937.16 | 0.00 |
| Days of Payables Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Cycle | 22.07 | 47.67 | 66.20 | -1865.21 | 194.31 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 83.18 | 62.70 | 43.34 | 37.89 | 37.69 |
| Free Cash Flow Per Share | 81.38 | 61.68 | 42.82 | 37.72 | 37.52 |
| Dividend Paid and CapEx Coverage Ratio | 6.85 | 6.60 | 6.94 | 5.83 | 19.39 |
| Capital Expenditure Coverage Ratio | 46.08 | 61.01 | 84.19 | 219.57 | 228.78 |
| Operating Cash Flow Coverage Ratio | 2.90 | 6.69 | 7.65 | 26.89 | 13.68 |
| Operating Cash Flow to Sales Ratio | 0.69 | 0.54 | 0.44 | 0.36 | 0.35 |
| Free Cash Flow Yield | 60.39% | 22.02% | 39.93% | 26.86% | 25.76% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 3.00 | 6.57 | 4.11 | 5.45 | 3.87 |
| Price-to-Sales (P/S) Ratio | 1.12 | 2.43 | 1.08 | 1.33 | 1.35 |
| Price-to-Book (P/B) Ratio | 0.74 | 1.73 | 0.80 | 1.16 | 1.47 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 1.66 | 4.54 | 2.50 | 3.72 | 3.88 |
| Price-to-Operating Cash Flow Ratio | 1.62 | 4.47 | 2.47 | 3.71 | 3.87 |
| Price-to-Earnings Growth (PEG) Ratio | 0.55 | 0.11 | 1.08 | -0.17 | 0.02 |
| Enterprise Value Multiple | 2.29 | 4.79 | 1.80 | 1.68 | 1.68 |
| Enterprise Value | 17.08B | 38.69B | 14.37B | 15.00B | 16.68B |
| EV to EBITDA | 2.29 | 4.79 | 1.80 | 1.68 | 1.68 |
| EV to Sales | 1.06 | 2.25 | 0.88 | 0.91 | 1.00 |
| EV to Free Cash Flow | 1.58 | 4.21 | 2.04 | 2.54 | 2.89 |
| EV to Operating Cash Flow | 1.54 | 4.14 | 2.02 | 2.53 | 2.88 |
| Tangible Book Value Per Share | 173.62 | 155.93 | 127.71 | 114.71 | 92.38 |
| Shareholders’ Equity Per Share | 180.98 | 162.34 | 133.56 | 120.59 | 98.96 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.19 | 0.21 | 0.19 | 0.16 | 0.18 |
| Revenue Per Share | 120.69 | 115.20 | 99.18 | 105.91 | 108.28 |
| Net Income Per Share | 44.95 | 42.04 | 26.09 | 25.75 | 37.63 |
| Tax Burden | 0.81 | 0.79 | 0.81 | 0.85 | 0.82 |
| Interest Burden | 1.00 | 0.99 | 0.67 | 0.54 | 0.71 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.19 | 0.13 | 0.03 | 0.02 | 0.03 |
| Stock-Based Compensation to Revenue | 0.02 | 0.01 | 0.01 | 0.01 | 0.02 |
| Income Quality | 1.85 | 1.49 | 1.67 | 1.48 | 1.00 |
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