What is Qfin Holdings, Inc.'s earnings per share (EPS)?

Qfin Holdings, Inc. (QFIN) reported diluted earnings per share of $3.15 for fiscal year 2025. This represents a 11.3% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Qfin Holdings, Inc. (QFIN) Financials

QFIN

FY2025 annual

Revenue $2.7B +16.8% YoY

Net Income $854.5M -0.2% YoY

EPS (Diluted) $3.15 +11.3% YoY

Free Cash Flow $1.6B +23.2% YoY

Market Cap $753.8M as of Oct 10, 2026

Price / Sales 0.3x on $2.7B revenue, FY2025

Price / Earnings 0.9x on $854.5M net income, FY2025

Price / Book 0.2x on $3.4B equity, Q4 FY2025

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 10, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period FY2025, ended Dec 31, 2025 Reported Apr 27, 2026 Currency USD FYE December

Newest figures come from the 10-K for FY2025, filed Apr 27, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the QFIN SEC filings page.

Qfin Holdings, Inc. (QFIN) reported $2.7B in revenue for fiscal year 2025, up 16.8% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 8 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI QFIN FY2025 2026-10-03

Revenue expanded in FY2025, but operating profitability weakened; cash generation stayed unusually high while liabilities funded much of asset growth.

The key shift is earnings mix: revenue rose 16.8% from FY2024 while gross margin improved slightly, yet operating margin contracted materially in FY2025. That combination points to pressure after cost of revenue—within operating costs or other operating items—rather than weaker gross economics.

Operating cash flow reached $1.58B against net income of $855M, so reported cash generation substantially exceeded accounting earnings. Free cash flow of $1.55B was close to operating cash flow because capital expenditures were only $34M, showing that limited reported reinvestment absorbed the cash output.

Liabilities expanded much faster than equity in FY2025, lifting debt-to-equity to 1.4x from 1.0x; the current ratio remained broadly stable, so the financing shift was not accompanied by weaker reported short-term coverage. Share count fell 14.1% alongside $693M of buybacks, helping per-share earnings rise even though net income was nearly unchanged.

Financial Health Signals

Financial Health Score 75/100

Scored against operating companies for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Qfin Holdings, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Profitability

Qfin Holdings, Inc. has an operating margin of 34.8%, meaning the company retains $35 of operating profit per $100 of revenue. This strong profitability earns a score of 91/100, reflecting efficient cost management and pricing power. This is down from 43.9% the prior year.

Growth

Qfin Holdings, Inc.'s revenue surged 16.8% year-over-year to $2.7B, reflecting rapid business expansion. This strong growth earns a score of 64/100.

Leverage

Qfin Holdings, Inc. has a moderate D/E ratio of 1.36. This balance of debt and equity financing earns a leverage score of 40/100.

Liquidity

With a current ratio of 2.43, Qfin Holdings, Inc. holds $2.43 in current assets for every $1 of short-term obligations. This comfortable liquidity earns a score of 69/100.

Cash Flow

Qfin Holdings, Inc. converts 56.5% of revenue into free cash flow ($1.6B). This strong cash generation earns a score of 99/100.

Returns

Qfin Holdings, Inc. earns a strong 24.8% return on equity (ROE), meaning it generates $25 of profit for every $100 of shareholders' equity. This efficient capital use earns a returns score of 84/100. This is down from 25.8% the prior year.

Altman Z-Score Grey Zone

2.04

Qfin Holdings, Inc. scores 2.04, placing it in the grey zone between 1.81 and 2.99. This signals moderate financial risk that warrants monitoring.

Distress-screening estimate for non-financial companies. Not computed for banks or insurers, where the Altman model does not apply.

Piotroski F-Score Partial

5/8

Qfin Holdings, Inc. passes 5 of 8 computable financial strength tests (1 of the nine could not be computed from available data). 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, 1 of 2 efficiency signals pass.

Earnings Quality Cash-Backed

1.85x

For every $1 of reported earnings, Qfin Holdings, Inc. generates $1.85 in operating cash flow ($1.6B OCF vs $854.5M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

None of these metrics is reported for Q4 2025.

Cash & Balance Sheet

Cash & Debt

$671.6M

YoY+10.1%

QoQ+10.1%

Qfin Holdings, Inc. held $671.6M in cash as of Q4 2025; long-term debt is not reported for that period.

Shares Outstanding

244M

YoY-14.1%

QoQ-14.1%

Qfin Holdings, Inc. had 244M shares outstanding in Q4 2025. This represents a decrease of 14.1% from the same quarter a year earlier. Against the prior quarter it is down 14.1%.

Free Cash Flow

Not reported for Q4 2025.

Dividends Per Share

Not reported for Q4 2025.

Margins & Returns

None of these metrics is reported for Q4 2025.

Capital Allocation

None of these metrics is reported for Q4 2025.

QFIN Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

QFIN quarterly income statement

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K
Revenue	$2.7B+16.8%	$2.4B+2.5%	$2.3B-4.4%	$2.4B-8.1%	$2.6B+25.6%	$2.1B+57.0%	$1.3B+104.8%	$646.8M
Cost of Revenue	$429.3M+8.0%	$397.4M+6.1%	$374.6M+8.9%	$344.1M-2.6%	$353.4M+44.1%	$245.3M+57.6%	$155.6M+46.8%	$106.0M
Gross Profit	$2.3B+18.6%	$2.0B+1.8%	$1.9B-6.6%	$2.1B-8.9%	$2.3B+23.1%	$1.8B+56.9%	$1.2B+116.1%	$540.8M
SG&A Expenses	$94.2M+53.0%	$61.6M+3.8%	$59.3M-0.9%	$59.9M-31.6%	$87.5M+25.1%	$69.9M+13.6%	$61.5M-25.7%	$82.8M
Operating Income	$955.0M-7.4%	$1.0B+50.8%	$684.1M+5.5%	$648.4M-39.1%	$1.1B+83.3%	$580.9M+39.8%	$415.6M+73.8%	$239.2M
EBITDA	$964.7M-7.4%	$1.0B+50.0%	$694.5M+5.3%	$659.6M-38.7%	$1.1B+83.4%	$586.4M+40.7%	$416.7M+73.8%	$239.7M
Interest Expense	N/A	N/A	N/A	N/A	$19.8M+67.5%	$11.8M+297.4%	-$6.0M	N/A
Income Tax	$200.3M-11.1%	$225.3M+58.5%	$142.1M+33.0%	$106.8M-45.9%	$197.4M+119.8%	$89.8M+34.2%	$66.9M-1.3%	$67.8M
Net Income	$854.5M-0.2%	$856.0M+42.4%	$601.2M+3.5%	$580.8M-35.8%	$904.6M+68.8%	$535.7M+49.1%	$359.3M+107.0%	$173.6M
EPS (Basic)	$3.21+11.5%	$2.88+53.2%	$1.88+0.5%	$1.87-36.6%	$2.95+63.9%	$1.80+45.2%	$1.24+190.5%	-$1.37
EPS (Diluted)	$3.15+11.3%	$2.83+53.8%	$1.84+1.7%	$1.81-35.8%	$2.82+61.1%	$1.75+47.1%	$1.19+186.9%	-$1.37
Diluted Shares (Avg)	272M-10.3%	303M-7.6%	329M+2.0%	322M+0.2%	321M+4.8%	307M+1.9%	301M+48.4%	203M

Metric	Q4'2510-K	Q4'2410-K	Q4'2310-K	Q4'2210-K	Q3'2210-Q	Q2'2210-Q	Q4'2110-K	Q4'2010-K
EPS (Basic)	N/A	N/A	N/A	$0.45	N/A	N/A	N/A	N/A
EPS (Diluted)	N/A	N/A	N/A	$0.43	N/A	N/A	N/A	N/A

Not reported in any period shown, so not listed: Revenue, Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA, Interest Expense, Income Tax, Net Income, Diluted Shares (Avg).

QFIN Balance Sheet

QFIN quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K
Total Assets	$8.1B+23.5%	$6.6B+2.2%	$6.5B+10.3%	$5.8B+11.3%	$5.3B+40.7%	$3.7B+27.8%	$2.9B+173.5%	$1.1B
Current Assets	$7.1B+20.7%	$5.9B+4.6%	$5.6B+13.4%	$4.9B+13.5%	$4.4B+29.9%	$3.4B+19.7%	$2.8B+162.3%	$1.1B
Cash & Equivalents	$671.6M+10.1%	$610.0M+3.7%	$588.4M-43.4%	$1.0B+8.2%	$959.8M+41.7%	$677.2M+123.6%	$302.8M+44.0%	$210.3M
Short-Term Investments	$407.9M-12.3%	$465.0M+21906.0%	$2.1M-74.4%	$8.3M	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$6.5M+11.2%	$5.8M+0.1%	$5.8M	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$4.7B+43.3%	$3.3B-2.4%	$3.4B+8.0%	$3.1B+8.2%	$2.9B+25.6%	$2.3B+21.0%	$1.9B+346.1%	$423.2M
Current Liabilities	$2.9B+21.6%	$2.4B-14.6%	$2.8B+15.4%	$2.4B+9.4%	$2.2B+8.2%	$2.1B+47.7%	$1.4B+229.9%	$420.9M
Non-Current Liabilities	$1.8B+102.3%	$878.7M+59.6%	$550.6M-18.5%	$675.9M+3.9%	$650.5M+178.9%	$233.2M-53.3%	$499.0M+21669.8%	$2.3M
Total Equity	$3.4B+4.1%	$3.3B+7.3%	$3.1B+13.1%	$2.7B+14.5%	$2.4B+64.2%	$1.5B+40.2%	$1.0B+60.4%	$645.8M
Retained Earnings	$3.5B+22.1%	$2.9B+25.1%	$2.3B+23.7%	$1.9B+22.7%	$1.5B+138.6%	$634.1M+113.1%	$297.5M+575.4%	-$62.6M

Metric	Q4'2510-K	Q4'2410-K	Q4'2310-K	Q4'2210-K	Q3'2210-Q	Q2'2210-Q	Q4'2110-K	Q4'2010-K
Total Assets	$8.1B+23.5%	$6.6B+2.2%	$6.5B+10.3%	$5.8B+11.3%	$5.6B	$5.6B	$5.3B+40.7%	$3.7B+27.8%
Current Assets	$7.1B+20.7%	$5.9B+4.6%	$5.6B+13.4%	$4.9B+13.5%	$4.7B	$4.6B	$4.4B+29.9%	$3.4B+19.7%
Cash & Equivalents	$671.6M+10.1%	$610.0M+3.7%	$588.4M-43.4%	$1.0B+8.2%	$1.0B	$1.0B	$959.8M+41.7%	$677.2M+123.6%
Short-Term Investments	$407.9M-12.3%	$465.0M+21906.0%	$2.1M-74.4%	$8.3M	$4.2M	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$6.5M+11.2%	$5.8M+0.1%	$5.8M	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$4.7B+43.3%	$3.3B-2.4%	$3.4B+8.0%	$3.1B+8.2%	$3.1B	$3.1B	$2.9B+25.6%	$2.3B+21.0%
Current Liabilities	$2.9B+21.6%	$2.4B-14.6%	$2.8B+15.4%	$2.4B+9.4%	$2.5B	$2.5B	$2.2B+8.2%	$2.1B+47.7%
Non-Current Liabilities	$1.8B+102.3%	$878.7M+59.6%	$550.6M-18.5%	$675.9M+3.9%	$566.5M	$570.6M	$650.5M+178.9%	$233.2M-53.3%
Total Equity	$3.4B+4.1%	$3.3B+7.3%	$3.1B+13.1%	$2.7B+14.5%	$2.5B	$2.5B	$2.4B+64.2%	$1.5B+40.2%
Retained Earnings	$3.5B+22.1%	$2.9B+25.1%	$2.3B+23.7%	$1.9B+22.7%	$1.7B	$1.7B	$1.5B+138.6%	$634.1M+113.1%

Not reported in any period shown, so not listed: Inventory, Accounts Receivable, Long-Term Debt.

QFIN Cash Flow Statement

QFIN quarterly cash flow statement

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K
Operating Cash Flow	$1.6B+23.8%	$1.3B+27.7%	$1.0B+16.8%	$858.7M-5.5%	$908.5M+11.3%	$816.2M+91.1%	$427.1M+929.8%	$41.5M
Depreciation & Amortization	$9.7M-5.1%	$10.3M-1.2%	$10.4M-6.9%	$11.2M+7.8%	$10.4M+87.3%	$5.5M+403.4%	$1.1M+100.7%	$547K
Stock-Based Compensation	$54.1M+135.6%	$23.0M-12.2%	$26.1M-9.7%	$29.0M-27.3%	$39.8M-13.7%	$46.2M+28.3%	$36.0M-59.3%	$88.3M
Capital Expenditures	$34.4M+63.9%	$21.0M+76.2%	$11.9M+204.5%	$3.9M-1.5%	$4.0M+69.6%	$2.3M-36.2%	$3.7M+195.1%	$1.2M
Free Cash Flow	$1.6B+23.2%	$1.3B+27.1%	$990.7M+15.9%	$854.8M-5.5%	$904.6M+11.1%	$813.9M+92.2%	$423.4M+952.6%	$40.2M
Investing Cash Flow	-$1.9B-70.8%	-$1.1B+30.2%	-$1.6B-47.2%	-$1.1B-12.1%	-$951.6M-795.5%	$136.8M+110.8%	-$1.3B-2770.8%	$47.7M
Financing Cash Flow	$398.1M+237.4%	-$289.7M-292.9%	$150.2M-67.7%	$464.5M+30.8%	$355.2M+170.6%	-$503.1M-145.4%	$1.1B+1564.1%	$66.5M
Share Buybacks	$693.3M+70.2%	$407.3M+354.6%	$89.6M	N/A	N/A	N/A	N/A	N/A

Metric	Q4'2510-K	Q4'2410-K	Q4'2310-K	Q4'2210-K	Q3'2210-Q	Q2'2210-Q	Q4'2110-K	Q4'2010-K
Operating Cash Flow	N/A	N/A	N/A	$278.1M	$201.7M	N/A	N/A	N/A
Depreciation & Amortization	N/A	N/A	N/A	$3.0M	$2.3M	N/A	N/A	N/A
Capital Expenditures	N/A	N/A	N/A	$2.1M	$1.2M	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	$276.0M	$200.5M	N/A	N/A	N/A
Investing Cash Flow	N/A	N/A	N/A	-$268.6M	-$395.6M	N/A	N/A	N/A
Financing Cash Flow	N/A	N/A	N/A	$41.4M	$105.3M	N/A	N/A	N/A

Not reported in any period shown, so not listed: Stock-Based Compensation, Dividends Paid, Share Buybacks.

QFIN Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

QFIN quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K
Gross Margin	84.4%+1.3pp	83.1%-0.6pp	83.7%-2.0pp	85.7%-0.8pp	86.5%-1.7pp	88.2%0.0pp	88.3%+4.6pp	83.6%
Operating Margin	34.8%-9.1pp	43.9%+14.0pp	29.8%+2.8pp	27.0%-13.8pp	40.8%+12.8pp	27.9%-3.4pp	31.4%-5.6pp	37.0%
Net Margin	31.1%-5.3pp	36.4%+10.2pp	26.2%+2.0pp	24.2%-10.4pp	34.6%+8.9pp	25.8%-1.4pp	27.1%+0.3pp	26.8%
Return on Equity	24.8%-1.0pp	25.8%+6.4pp	19.5%-1.8pp	21.3%-16.7pp	37.9%+1.0pp	36.9%+2.2pp	34.7%+7.8pp	26.9%
Return on Assets	10.5%-2.5pp	13.0%+3.7pp	9.3%-0.6pp	9.9%-7.3pp	17.2%+2.9pp	14.3%+2.0pp	12.3%-3.9pp	16.2%
Current Ratio	2.430.0x	2.45+0.4x	2.000.0x	2.04+0.1x	1.96+0.3x	1.63-0.4x	2.02-0.5x	2.54
Debt-to-Equity	1.36+0.4x	0.99-0.1x	1.09-0.1x	1.14-0.1x	1.20-0.4x	1.57-0.2x	1.82+1.2x	0.66
Asset Turnover	0.340.0x	0.360.0x	0.36-0.1x	0.41-0.1x	0.50-0.1x	0.56+0.1x	0.45-0.2x	0.61
FCF Margin	56.5%+2.9pp	53.5%+10.4pp	43.2%+7.6pp	35.6%+1.0pp	34.6%-4.5pp	39.1%+7.2pp	32.0%+25.8pp	6.2%

Metric	Q4'2510-K	Q4'2410-K	Q4'2310-K	Q4'2210-K	Q3'2210-Q	Q2'2210-Q	Q4'2110-K	Q4'2010-K
Current Ratio	2.430.0x	2.45+0.4x	2.000.0x	2.04+0.1x	1.85	1.83	1.96+0.3x	1.63-0.4x
Debt-to-Equity	1.36+0.4x	0.99-0.1x	1.09-0.1x	1.14-0.1x	1.23	1.21	1.20-0.4x	1.57-0.2x

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Net Margin, Return on Equity, Return on Assets, Asset Turnover, FCF Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Qfin Holdings, Inc. QFIN	FY2025	$2.7B	$854.5M	31.1%	$753.8M	75/100
Enova International, Inc. ENVA	FY2025	$3.2B	$308.4M	9.8%	$4.4B	47/100
Nelnet, Inc. NNI	FY2025	$851.5M	$428.5M	50.3%	$4.5B	23/100
Bread Financial Holdings, Inc. BFH	FY2025	$3.8B	$518.0M	13.5%	$3.9B	10/100
Upstart Holdings, Inc. UPST	FY2025	$1.0B	$53.6M	5.1%	$2.3B	26/100
Sezzle Inc. SEZL	FY2025	$450.3M	$133.1M	29.6%	$4.3B	77/100

Where Qfin Holdings, Inc. Ranks

Frequently Asked Questions

What is Qfin Holdings, Inc.'s annual revenue?

Qfin Holdings, Inc. (QFIN) reported $2.7B in total revenue for fiscal year 2025. This represents a 16.8% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Qfin Holdings, Inc.'s revenue growing?

Qfin Holdings, Inc. (QFIN) revenue grew by 16.8% year-over-year, from $2.4B to $2.7B in fiscal year 2025.

Is Qfin Holdings, Inc. profitable?

Yes, Qfin Holdings, Inc. (QFIN) reported a net income of $854.5M in fiscal year 2025, with a net profit margin of 31.1%.

What is Qfin Holdings, Inc.'s EBITDA?

Qfin Holdings, Inc. (QFIN) had EBITDA of $964.7M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

What is Qfin Holdings, Inc.'s gross margin?

Qfin Holdings, Inc. (QFIN) had a gross margin of 84.4% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.

What is Qfin Holdings, Inc.'s operating margin?

Qfin Holdings, Inc. (QFIN) had an operating margin of 34.8% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.

What is Qfin Holdings, Inc.'s net profit margin?

Qfin Holdings, Inc. (QFIN) had a net profit margin of 31.1% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Qfin Holdings, Inc.'s return on equity (ROE)?

Qfin Holdings, Inc. (QFIN) has a return on equity of 24.8% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Qfin Holdings, Inc.'s free cash flow?

Qfin Holdings, Inc. (QFIN) generated $1.6B in free cash flow during fiscal year 2025. This represents a 23.2% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Qfin Holdings, Inc.'s operating cash flow?

Qfin Holdings, Inc. (QFIN) generated $1.6B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Qfin Holdings, Inc.'s total assets?

Qfin Holdings, Inc. (QFIN) had $8.1B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Qfin Holdings, Inc.'s capital expenditures?

Qfin Holdings, Inc. (QFIN) invested $34.4M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Qfin Holdings, Inc. buy back shares?

Yes, Qfin Holdings, Inc. (QFIN) spent $693.3M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Qfin Holdings, Inc. have outstanding?

Qfin Holdings, Inc. (QFIN) had 244M shares outstanding as of fiscal year 2025.

What is Qfin Holdings, Inc.'s current ratio?

Qfin Holdings, Inc. (QFIN) had a current ratio of 2.43 as of fiscal year 2025, which is generally considered healthy.

What is Qfin Holdings, Inc.'s debt-to-equity ratio?

Qfin Holdings, Inc. (QFIN) had a debt-to-equity ratio of 1.36 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Qfin Holdings, Inc.'s return on assets (ROA)?

Qfin Holdings, Inc. (QFIN) had a return on assets of 10.5% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Qfin Holdings, Inc.'s P/E ratio?

Qfin Holdings, Inc. (QFIN) trades at 0.9x earnings, its market capitalization divided by net income of $854.5M net income, FY2025. The market capitalization is $753.8M as of Oct 10, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Qfin Holdings, Inc.'s price-to-sales ratio?

Qfin Holdings, Inc. (QFIN) trades at 0.3x sales, its market capitalization divided by revenue of $2.7B revenue, FY2025. The market capitalization is $753.8M as of Oct 10, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Qfin Holdings, Inc.'s Altman Z-Score?

Qfin Holdings, Inc. (QFIN) has an Altman Z-Score of 2.04, placing it in the Grey Zone (moderate risk). The Z-Score combines five financial ratios (working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets) to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.

What is Qfin Holdings, Inc.'s Piotroski F-Score?

Qfin Holdings, Inc. (QFIN) has a Piotroski F-Score of 5 out of 8 computable signals; 1 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Qfin Holdings, Inc.'s earnings high quality?

Qfin Holdings, Inc. (QFIN) has an earnings quality ratio of 1.85x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Qfin Holdings, Inc.?

Qfin Holdings, Inc. (QFIN) scores 75 out of 100 on our Financial Health Score, indicating strong standing within its operating companies peer group. The score is a 0-100 composite of six dimensions (Profitability, Growth, Leverage, Liquidity, Cash Flow, Returns), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.