Qfin CFO awarded 55,212 stock options

Qfin Holdings, Inc. director and Chief Financial Officer Zuoli Xu received grants of employee stock options as part of compensation.

Rhea-AI Filing Summary

Qfin Holdings, Inc. director and Chief Financial Officer Zuoli Xu received grants of employee stock options as part of compensation. The awards cover a total of 55,212 underlying Class A Ordinary Shares at an exercise price of $0.00001 per share. The options were vested on 20 May 2026, carry no market purchase or sale of shares, and have expiration dates in 2034 and 2035. Following these awards, Xu holds these options directly rather than through an intermediary entity.

Insider Trade Summary

Grant/Award: 55,212 shares

Grant/Award 2 txns

Insider Zuoli Xu

Role Chief Financial Officer

Type	Security	Shares	Price	Value
Grant/Award	Stock Option (right to buy)	53,952	$0.00	$0.00
Grant/Award	Stock Option (right to buy)	1,260	$0.00	$0.00

Holdings After Transaction: Stock Option (right to buy) — 109,164 contracts (Direct)

Footnotes (2)

1. F1. The exercise price of the employee share options is US$0.00001.
2. F2. The employee share options were vested on 20 May 2026.

Key Figures

Total underlying shares: 55,212 shares First option grant size: 1,260 options Second option grant size: 53,952 options +5 more

8 metrics

Total underlying shares 55,212 shares Underlying Class A Ordinary Shares covered by the reported options

First option grant size 1,260 options Stock Option (right to buy) granted on 20 May 2026

Second option grant size 53,952 options Stock Option (right to buy) granted on 20 May 2026

Exercise price $0.00001/share Exercise price of the employee share options per footnote

First grant expiration 19 November 2034 Expiration date of one stock option grant

Second grant expiration 19 May 2035 Expiration date of the other stock option grant

Options after smaller grant 55,212 options Total stock options held following the 1,260-option grant

Options after larger grant 53,952 options Total stock options held following the 53,952-option grant entry

Key Terms

Stock Option (right to buy), employee share options, exercise price, Class A Ordinary Shares

4 terms

Stock Option (right to buy) financial

"security_title: Stock Option (right to buy)"

employee share options financial

"The employee share options were vested on 20 May 2026."

exercise price financial

"The exercise price of the employee share options is US$0.00001."

The exercise price is the fixed amount at which you can buy or sell an asset, like a stock, when using an options contract. It matters because it helps determine whether exercising the option will be profitable or not, depending on the current market price. Think of it as the set price you agree on today to buy or sell later.

Class A Ordinary Shares financial

"underlying_security_title: Class A Ordinary Shares"

Class A ordinary shares are a type of ownership stake in a company that typically grants voting rights to shareholders, allowing them to have a say in important company decisions. They often come with priority in receiving dividends or profits, making them attractive to investors seeking influence and potential income. These shares help distinguish different levels of ownership and rights within a company's stock structure.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider transaction did QFIN CFO Zuoli Xu report on this Form 4?

Zuoli Xu reported grants of employee stock options linked to Class A Ordinary Shares. These awards are compensation-related acquisitions, not open-market trades, and increase his derivative exposure to Qfin Holdings without any cash outlay at grant.

How many Qfin Holdings (QFIN) shares are covered by the new stock options?

The options relate to 55,212 Class A Ordinary Shares in total. One grant covers 1,260 shares and another covers 53,952 shares, giving the CFO additional potential equity exposure if the options are exercised in the future.

What is the exercise price of the QFIN employee share options granted to the CFO?

The employee share options have an exercise price of $0.00001 per share. This nominal strike price means the CFO can acquire the underlying Class A Ordinary Shares at a very low cost whenever he chooses to exercise within the option term.

When do the newly granted Qfin Holdings (QFIN) stock options expire?

The options have long-dated expiration terms. One grant expires on 19 November 2034, and the other expires on 19 May 2035. These distant dates give the CFO extended time to decide whether and when to exercise.

Were the QFIN stock option grants to the CFO immediately vested?

Yes. A footnote states the employee share options were vested on 20 May 2026. Because they are vested, the CFO can exercise them at any time before their respective expiration dates, subject to applicable company policies and regulations.

Did the QFIN Form 4 show any open-market buying or selling of shares?

No. The Form 4 only reports stock option grants classified as derivative awards. There are no open-market purchases or sales of Qfin Holdings Class A Ordinary Shares disclosed, so there is no direct trade signal from this filing.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 05/22/2026 - 07:01 AM EDT Learn about SEC filing dates

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Zuoli Xu

(Last) (First) (Middle)

BUILDING 1, NO. 98 QINGYIJIANG ROAD

PUTUO DISTRICT

(Street)

SHANGHAI 200333

(City) (State) (Zip)

CHINA

(Country)

2. Issuer Name and Ticker or Trading Symbol
Qfin Holdings, Inc. [ QFIN ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Chief Financial Officer

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
05/20/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Stock Option (right to buy)	(1)	05/20/2026(2)		A		53,952		(2)	11/19/2034	Class A Ordinary Shares	53,952	$0	53,952	D
Stock Option (right to buy)	(1)	05/20/2026(2)		A		1,260		(2)	05/19/2035	Class A Ordinary Shares	1,260	$0	55,212	D

Explanation of Responses:

1. The exercise price of the employee share options is US$0.00001.

2. The employee share options were vested on 20 May 2026.

	Zuoli Xu	05/22/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)