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Qifu Technology (QFIN)
NASDAQ:QFIN
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QFIN
Qifu Technology
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Qifu Technology (QFIN) Ratios

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Qifu Technology Ratios

QFIN's free cash flow for Q2 2026 was ¥0.77. For the 2026 fiscal year, QFIN's free cash flow was decreased by ¥ and operating cash flow was ¥0.31. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 5.47 0.47 0.69 1.31 104.07
Quick Ratio
 5.47 0.47 0.69 1.31 275.89
Cash Ratio
 3.52 0.19 0.24 0.12 47.77
Solvency Ratio
 0.13 0.18 0.27 0.18 0.19
Operating Cash Flow Ratio
 4.01 0.44 0.51 0.21 39.48
Short-Term Operating Cash Flow Coverage
 4.01 4.99 6.82 8.91 39.48
Net Current Asset Value
¥ -16.38B¥ -21.10B¥ -11.28B¥ 20.86B¥ -5.80B
Leverage Ratios
Debt-to-Assets Ratio
 0.06 0.07 0.03 0.02 <0.01
Debt-to-Equity Ratio
 0.12 0.16 0.06 0.04 0.01
Debt-to-Capital Ratio
 0.11 0.14 0.05 0.04 0.01
Long-Term Debt-to-Capital Ratio
 0.03 0.06 0.00 <0.01 <0.01
Financial Leverage Ratio
 2.15 2.36 1.99 2.09 2.14
Debt Service Coverage Ratio
 1.81 2.72 4.70 8.74 54.53
Interest Coverage Ratio
 39.73 0.00 0.00 0.00 0.00
Debt to Market Cap
 0.52 0.21 0.03 0.05 <0.01
Interest Debt Per Share
 21.88 28.70 9.38 5.66 1.41
Net Debt to EBITDA
 -0.83 -0.12 -0.38 -0.41 -0.78
Profitability Margins
Gross Profit Margin
60.77%74.01%61.77%64.13%70.66%
EBIT Margin
35.20%45.87%46.65%48.56%53.40%
EBITDA Margin
35.32%46.29%47.08%49.01%53.87%
Operating Profit Margin
31.70%45.87%43.86%29.82%27.02%
Pretax Profit Margin
32.42%45.87%45.98%32.40%28.65%
Net Profit Margin
23.26%37.25%36.49%26.31%24.31%
Continuous Operations Profit Margin
23.19%37.16%36.40%26.20%24.20%
Net Income Per EBT
71.73%81.20%79.37%81.20%84.86%
EBT Per EBIT
102.29%100.00%104.83%108.66%106.04%
Return on Assets (ROA)
7.04%10.52%13.01%9.35%9.97%
Return on Equity (ROE)
15.36%24.84%25.90%19.53%21.35%
Return on Capital Employed (ROCE)
10.01%23.10%25.14%41.79%11.13%
Return on Invested Capital (ROIC)
6.86%17.48%19.01%22.68%22.55%
Return on Tangible Assets
7.18%10.71%13.29%9.57%10.23%
Earnings Yield
61.52%33.36%15.01%24.33%18.34%
Efficiency Ratios
Receivables Turnover
 33.30 16.54 7.66 5.51 5.07
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 -0.19
Fixed Asset Turnover
 25.08 25.25 47.32 58.89 347.76
Asset Turnover
 0.30 0.28 0.36 0.36 0.41
Working Capital Turnover Ratio
 854.12 -1.70 -3.18 1.26 1.10
Cash Conversion Cycle
 10.96 22.07 47.67 66.20 -1.87K
Days of Sales Outstanding
 10.96 22.07 47.67 66.20 71.96
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 -1.94K
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 0.00
Operating Cycle
 10.96 22.07 47.67 66.20 -1.87K
Cash Flow Ratios
Operating Cash Flow Per Share
 62.39 83.18 62.70 43.34 37.89
Free Cash Flow Per Share
 40.46 81.38 61.68 42.82 37.72
CapEx Per Share
 21.93 1.81 1.03 0.51 0.17
Free Cash Flow to Operating Cash Flow
 0.65 0.98 0.98 0.99 1.00
Dividend Paid and CapEx Coverage Ratio
 2.85 6.85 6.60 6.94 5.83
Capital Expenditure Coverage Ratio
 2.85 46.08 61.01 84.19 219.57
Operating Cash Flow Coverage Ratio
 2.98 2.90 6.69 7.65 26.89
Operating Cash Flow to Sales Ratio
 0.55 0.69 0.54 0.44 0.36
Free Cash Flow Yield
100.89%60.39%22.02%39.93%26.86%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 0.91 3.00 6.57 4.11 5.45
Price-to-Sales (P/S) Ratio
 0.35 1.12 2.43 1.08 1.33
Price-to-Book (P/B) Ratio
 0.25 0.74 1.73 0.80 1.16
Price-to-Free Cash Flow (P/FCF) Ratio
 0.99 1.66 4.54 2.50 3.72
Price-to-Operating Cash Flow Ratio
 0.69 1.62 4.47 2.47 3.71
Price-to-Earnings Growth (PEG) Ratio
 -0.13 0.55 0.11 1.08 -0.17
Price-to-Fair Value
 0.25 0.74 1.73 0.80 1.16
Enterprise Value Multiple
 0.16 2.29 4.79 1.80 1.68
Enterprise Value
 896.02M 17.08B 38.69B 14.37B 15.00B
EV to EBITDA
 0.16 2.29 4.79 1.80 1.68
EV to Sales
 0.06 1.06 2.25 0.88 0.91
EV to Free Cash Flow
 0.16 1.58 4.21 2.04 2.54
EV to Operating Cash Flow
 0.10 1.54 4.14 2.02 2.53
Tangible Book Value Per Share
 169.29 173.62 155.93 127.71 114.71
Shareholders’ Equity Per Share
 176.25 180.98 162.34 133.56 120.59
Tax and Other Ratios
Effective Tax Rate
 0.28 0.19 0.21 0.19 0.16
Revenue Per Share
 114.47 120.69 115.20 99.18 105.91
Net Income Per Share
 26.62 44.95 42.04 26.09 25.75
Tax Burden
 0.72 0.81 0.79 0.81 0.85
Interest Burden
 0.92 1.00 0.99 0.67 0.54
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.16 0.19 0.13 0.03 0.02
Stock-Based Compensation to Revenue
 <0.01 0.02 <0.01 0.01 0.01
Income Quality
 2.35 1.85 1.49 1.67 1.48
Currency in CNY