What is QFIN HOLDINGS INC A's earnings per share (EPS)?

QFIN HOLDINGS INC A (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 INC A (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 (20-F/6-K) Latest period FY2025, ended Dec 31, 2025 Reported Apr 27, 2026 Currency USD FYE December

Newest figures come from the 20-F 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 INC A (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 2026-10-03

The business converts earnings into cash efficiently, but FY2025 growth came with weaker margins and greater reliance on liabilities.

Revenue growth reached 16.8% in FY2025 while gross margin stayed broadly stable and operating margin compressed, indicating pressure emerged below production costs rather than from the core gross spread. Meanwhile, operating cash flow rose 23.8% while net income was nearly flat, so cash improvement outpaced accounting-profit improvement.

Free cash flow captured 97.8% of operating cash flow while capex was just $34M, meaning reported cash generation required little recorded reinvestment. This makes cash conversion look stronger than earnings growth alone would suggest, although the available figures do not identify the specific source of that cash increase.

Liabilities expanded 43.3% while equity grew only 4.1%, so the larger asset base was funded disproportionately through liabilities. The higher leverage coincided with $693M of buybacks and a 14.1% decline in diluted shares, showing capital returned to shareholders even as liabilities took a larger financing role.

Financial Health Signals

Financial health score not available

QFIN HOLDINGS INC A 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 INC A 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 operating efficiency signals passes.

Earnings Quality Cash-Backed

1.85x

For every $1 of reported earnings, QFIN HOLDINGS INC A 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

Revenue

$2.7B

YoY+16.8%

5Y CAGR+5.7%

QFIN HOLDINGS INC A generated $2.7B in revenue in fiscal year 2025. This represents an increase of 16.8% from the prior year.

EBITDA

$964.7M

YoY-7.4%

5Y CAGR+10.5%

QFIN HOLDINGS INC A's EBITDA was $964.7M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 7.4% from the prior year.

Net Income

$854.5M

YoY-0.2%

5Y CAGR+9.8%

QFIN HOLDINGS INC A reported $854.5M in net income in fiscal year 2025. This represents a decrease of 0.2% from the prior year.

EPS (Diluted)

$3.15

YoY+11.3%

5Y CAGR+12.5%

QFIN HOLDINGS INC A earned $3.15 per diluted share (EPS) in fiscal year 2025. This represents an increase of 11.3% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$1.6B

YoY+23.2%

5Y CAGR+13.8%

QFIN HOLDINGS INC A generated $1.6B in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 23.2% from the prior year.

Cash & Debt

$671.6M

YoY+10.1%

5Y CAGR-0.2%

QFIN HOLDINGS INC A held $671.6M in cash as of fiscal year 2025; no long-term debt figure is on record for that period.

Shares Outstanding

244M

YoY-14.1%

5Y CAGR-4.3%

QFIN HOLDINGS INC A had 244M shares outstanding in fiscal year 2025. This represents a decrease of 14.1% from the prior year.

Dividends Per Share

Not reported for fiscal year 2025.

Margins & Returns

Gross Margin

84.4%

YoY+1.3pp

5Y change-3.8pp

QFIN HOLDINGS INC A's gross margin was 84.4% in fiscal year 2025, indicating the percentage of revenue retained after direct costs. This is up 1.3 percentage points from the prior year.

Operating Margin

34.8%

YoY-9.1pp

5Y change+6.8pp

QFIN HOLDINGS INC A's operating margin was 34.8% in fiscal year 2025, reflecting core business profitability. This is down 9.1 percentage points from the prior year.

Net Margin

31.1%

YoY-5.3pp

5Y change+5.3pp

QFIN HOLDINGS INC A's net profit margin was 31.1% in fiscal year 2025, showing the share of revenue converted to profit. This is down 5.3 percentage points from the prior year.

Return on Equity

24.8%

YoY-1.0pp

5Y change-12.1pp

QFIN HOLDINGS INC A's ROE was 24.8% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 1.0 percentage points from the prior year.

Capital Allocation

Share Buybacks

$693.3M

YoY+70.2%

QFIN HOLDINGS INC A spent $693.3M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 70.2% from the prior year.

Capital Expenditures

$34.4M

YoY+63.9%

5Y CAGR+71.2%

QFIN HOLDINGS INC A invested $34.4M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 63.9% from the prior year.

R&D Spending

Not reported for fiscal year 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 annual income statement

Metric	FY2520-F	FY2420-F	FY2320-F	FY2220-F	FY2120-F	FY2020-F	FY1920-F	FY1820-F
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%	$11.8Mn/m	-$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%	$1.24n/m	-$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%	$1.19n/m	-$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	Q4'2520-F	Q4'2420-F	Q4'2320-F	Q4'2220-F	Q3'226-K	Q2'226-K	Q4'2120-F	Q4'2020-F
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: R&D Expenses.

QFNHF Balance Sheet

QFNHF annual balance sheet

Metric	FY2520-F	FY2420-F	FY2320-F	FY2220-F	FY2120-F	FY2020-F	FY1920-F	FY1820-F
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%	$8.3Mn/m	$0n/m	$0n/m	$0n/m	$0
Long-Term Investments	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$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%	$297.5Mn/m	-$62.6M

Metric	Q4'2520-F	Q4'2420-F	Q4'2320-F	Q4'2220-F	Q3'226-K	Q2'226-K	Q4'2120-F	Q4'2020-F
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%	$8.3Mn/m	$4.2M	$0	$0n/m	$0n/m
Long-Term Investments	$0n/m	$0n/m	$0n/m	$0n/m	$0	$0	$0n/m	$0n/m
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 annual cash flow statement

Metric	FY2520-F	FY2420-F	FY2320-F	FY2220-F	FY2120-F	FY2020-F	FY1920-F	FY1820-F
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	-$1.9Bn/m	-$1.1Bn/m	-$1.6Bn/m	-$1.1Bn/m	-$951.6M-795.5%	$136.8Mn/m	-$1.3B-2770.8%	$47.7M
Financing Cash Flow	$398.1Mn/m	-$289.7M-292.9%	$150.2M-67.7%	$464.5M+30.8%	$355.2Mn/m	-$503.1M-145.4%	$1.1B+1564.1%	$66.5M
Dividends Paid	$197.1M+13.9%	$173.0M+30.4%	$132.6M-7.5%	$143.3M	N/A	N/A	N/A	N/A
Share Buybacks	$693.3M+70.2%	$407.3M+354.6%	$89.6M	N/A	N/A	N/A	N/A	N/A

Metric	Q4'2520-F	Q4'2420-F	Q4'2320-F	Q4'2220-F	Q3'226-K	Q2'226-K	Q4'2120-F	Q4'2020-F
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
Dividends Paid	N/A	N/A	N/A	$33.1M	$27.9M	N/A	N/A	N/A

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 annual financial ratios

Metric	FY2520-F	FY2420-F	FY2320-F	FY2220-F	FY2120-F	FY2020-F	FY1920-F	FY1820-F
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
Liabilities-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	Q4'2520-F	Q4'2420-F	Q4'2320-F	Q4'2220-F	Q3'226-K	Q2'226-K	Q4'2120-F	Q4'2020-F
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
Liabilities-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: Debt-to-Equity.

Where QFIN HOLDINGS INC A Ranks

Frequently Asked Questions

What is QFIN HOLDINGS INC A's annual revenue?

QFIN HOLDINGS INC A (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 INC A's revenue growing?

QFIN HOLDINGS INC A (QFNHF) revenue grew by 16.8% year-over-year, from $2.4B to $2.7B in fiscal year 2025.

Is QFIN HOLDINGS INC A profitable?

Yes, QFIN HOLDINGS INC A (QFNHF) reported a net income of $854.5M in fiscal year 2025, with a net profit margin of 31.1%.

What is QFIN HOLDINGS INC A's EBITDA?

QFIN HOLDINGS INC A (QFNHF) had EBITDA of $964.7M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

What is QFIN HOLDINGS INC A's gross margin?

QFIN HOLDINGS INC A (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 INC A's operating margin?

QFIN HOLDINGS INC A (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 INC A's net profit margin?

QFIN HOLDINGS INC A (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 INC A's return on equity (ROE)?

QFIN HOLDINGS INC A (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 INC A's free cash flow?

QFIN HOLDINGS INC A (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 INC A's operating cash flow?

QFIN HOLDINGS INC A (QFNHF) generated $1.6B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are QFIN HOLDINGS INC A's total assets?

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

What are QFIN HOLDINGS INC A's capital expenditures?

QFIN HOLDINGS INC A (QFNHF) invested $34.4M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does QFIN HOLDINGS INC A buy back shares?

Yes, QFIN HOLDINGS INC A (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 INC A have outstanding?

QFIN HOLDINGS INC A (QFNHF) had 244M shares outstanding as of fiscal year 2025.

What is QFIN HOLDINGS INC A's current ratio?

QFIN HOLDINGS INC A (QFNHF) had a current ratio of 2.43 as of fiscal year 2025, which is generally considered healthy.

What is QFIN HOLDINGS INC A's liabilities-to-equity ratio?

QFIN HOLDINGS INC A (QFNHF) had a liabilities-to-equity ratio of 1.36 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity. No debt-to-equity ratio is shown for fiscal year 2025, because the filing data we hold for that year carries no long-term debt figure.

What is QFIN HOLDINGS INC A's return on assets (ROA)?

QFIN HOLDINGS INC A (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 INC A's Piotroski F-Score?

QFIN HOLDINGS INC A (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 INC A's earnings high quality?

QFIN HOLDINGS INC A (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.