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

Qfin Holdings (QFNHF) 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 (QFNHF) Financials

QFNHF

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

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 QFNHF SEC filings page.

Qfin Holdings (QFNHF) 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 QFNHF FY2025 2026-08-30

QFNHF’s cash-generative model converts earnings into free cash flow, while buybacks and leverage materially reshape shareholder economics.

Between FY2023 and FY2025, free-cash-flow margin climbed from 43.2% to 56.5% while net margin moved from 26.2% to 31.1%, a widening cash yield that outpaced accounting profitability. Operating cash flow remained close to free cash flow in both years, indicating that reported earnings are not being absorbed by heavy reinvestment; the business retains much of its operating output after capital spending.

FY2025 revenue expanded 16.8%, but operating income fell to $955M after reaching $1.03B in FY2024. That divergence points to a cost or mix shift absorbing part of the added sales, rather than clean fixed-cost absorption.

Share count fell from 284.0M in FY2024 to 243.8M in FY2025, so per-share results benefited from a smaller denominator. Leverage rose to 1.4x from 1.0x as buybacks accelerated, showing capital returns coincided with a more leveraged funding posture.

Financial Health Signals

Financial health score not available

Qfin Holdings does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

5/8

Qfin Holdings 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 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 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 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.

QFNHF 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.

QFNHF 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).

QFNHF Balance Sheet

QFNHF 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.

QFNHF Cash Flow Statement

QFNHF 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.

QFNHF 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.

QFNHF 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.

Where Qfin Holdings Ranks

Frequently Asked Questions

What is Qfin Holdings's annual revenue?

Qfin Holdings (QFNHF) 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's revenue growing?

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

Is Qfin Holdings profitable?

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

What is Qfin Holdings's EBITDA?

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

What is Qfin Holdings's gross margin?

Qfin Holdings (QFNHF) 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's operating margin?

Qfin Holdings (QFNHF) 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's net profit margin?

Qfin Holdings (QFNHF) 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's return on equity (ROE)?

Qfin Holdings (QFNHF) 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's free cash flow?

Qfin Holdings (QFNHF) 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's operating cash flow?

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

What are Qfin Holdings's total assets?

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

What are Qfin Holdings's capital expenditures?

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

Does Qfin Holdings buy back shares?

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

How many shares does Qfin Holdings have outstanding?

Qfin Holdings (QFNHF) had 244M shares outstanding as of fiscal year 2025.

What is Qfin Holdings's current ratio?

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

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

Qfin Holdings (QFNHF) 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's return on assets (ROA)?

Qfin Holdings (QFNHF) 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's Piotroski F-Score?

Qfin Holdings (QFNHF) 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's earnings high quality?

Qfin Holdings (QFNHF) 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.