Stock Fundamentals

Company Information

Company Name
360 Finance Inc
Sector
Financial Services
Industry
Credit Services
Exchange
NASDAQ
ISIN: US88557W1018
CIK: 0001741530
CUSIP: 88557W101
Currency: USD
Full Time Employees: 3,527
Phone: 86 21 5835 7668
Fiscal Year End: December
IPO Date: Dec 14, 2018
Description:

Qfin Holdings, Inc., together with its subsidiaries, operate AI- driven credit-tech platform under the Qifu Jietiao brand in the People's Republic of China. The company provides credit-driven services that match borrowers with financial institutions to conduct borrower acquisition, credit assessment, fund matching, and post-facilitation services; and platform services, including loan facilitation and post-facilitation services to financial institution partners under an intelligence credit engine, referral services, and other technology solutions. It serves financial institutions, consumers, and small and micro-enterprises. The company was formerly known as Qifu Technology, Inc. and changed its name to Qfin Holdings, Inc. in July 2025. Qfin Holdings, Inc. was founded in 2016 and is headquartered in Shanghai, the People's Republic of China.

Address:

Lujiazui Finance Plaza, Shanghai, China, 200122

Directors & Officers

Name Title Year Born
Mr. Haisheng Wu CEO & Director 1983
Mr. Zuoli Xu CFA CFO & Director 1969
Mr. Zhiqiang He Senior Vice President 1983
Mr. Yan Zheng Chief Risk Officer 1988
Ms. Karen Ji Senior Director of Capital Markets NA

Institutional Holders

Holder Name Shares Date Reported % Out Value % Change
Aspex Management (HK) Ltd 6.42M Dec 31, 2025 4.93% $2.50 -1.45%
Krane Funds Advisors LLC 6.34M Sep 30, 2025 4.87% $4.55 25.07%
FountainVest China Capital Partners GP3 Ltd. 6.04M Dec 31, 2025 4.64% $8.37 0.00%
BlackRock Inc 5.83M Sep 30, 2025 4.48% $0.00 12.79%
Acadian Asset Management LLC 4.90M Sep 30, 2025 3.77% $0.25 425.75%
Vanguard Group Inc 4.57M Dec 31, 2025 3.51% $0.00 -0.15%
Morgan Stanley - Brokerage Accounts 4.50M Sep 30, 2025 3.45% $0.01 7.96%
Greenwoods Asset Management Hong Kong Ltd. 3.30M Dec 31, 2025 2.53% $1.57 0.00%
Triata Capital Limited 3.13M Dec 31, 2025 2.40% $7.30 188.32%
State Street Corp 2.24M Sep 30, 2025 1.72% $0.00 -12.08%
Dimensional Fund Advisors, Inc. 1.99M Dec 31, 2025 1.53% $0.01 9.75%
Swedbank AB 1.66M Dec 31, 2025 1.28% $0.03 0.00%
NORGES BANK 1.58M Dec 31, 2025 1.21% $0.00 58.29%
D. E. Shaw & Co LP 1.57M Dec 31, 2025 1.21% $0.02 0.00%
UBS Group AG 1.51M Sep 30, 2025 1.16% $0.01 -22.36%
Citigroup Inc 1.50M Sep 30, 2025 1.15% $0.02 4.43%
Causeway Capital Management LLC 1.31M Dec 31, 2025 1.00% $0.35 1.19%
Geode Capital Management, LLC 1.20M Sep 30, 2025 0.92% $0.00 53.92%
VOLORIDGE INVESTMENT MANAGEMENT, LLC 1.16M Dec 31, 2025 0.89% $0.08 124.06%
Yunqi Capital Ltd 1.07M Sep 30, 2025 0.82% $18.04 4.59%

Shares Statistics

Shares Outstanding: 130.19M
Shares Float: 200.82M
% Insiders: 257.30%
% Institutions: 6,744.00%
Short % Float: 3.39%

🏆 Top 10 Institutional Holders

Rank Holder Name Shares Held % of Shares Change Date Reported
1 Aspex Management (HK) Ltd 6.42M 4.93% ▼ 1.45% Dec 31, 2025
2 Krane Funds Advisors LLC 6.34M 4.87% ▲ 25.07% Sep 30, 2025
3 FountainVest China Capital Partners GP3 Ltd. 6.04M 4.64% ▲ 0.00% Dec 31, 2025
4 BlackRock Inc 5.83M 4.48% ▲ 12.79% Sep 30, 2025
5 Acadian Asset Management LLC 4.90M 3.77% ▲ 425.75% Sep 30, 2025
6 Vanguard Group Inc 4.57M 3.51% ▼ 0.15% Dec 31, 2025
7 Morgan Stanley - Brokerage Accounts 4.50M 3.45% ▲ 7.96% Sep 30, 2025
8 Greenwoods Asset Management Hong Kong Ltd. 3.30M 2.53% ▲ 0.00% Dec 31, 2025
9 Triata Capital Limited 3.13M 2.40% ▲ 188.32% Dec 31, 2025
10 State Street Corp 2.24M 1.72% ▼ 12.08% Sep 30, 2025

Valuation Metrics

Enterprise Value: $-349.87M
Trailing P/E: 1.94
Forward P/E: 3.27

Financial Highlights

Market Cap: $1.91B
EBITDA: $9.42B
P/E Ratio: $1.94
Book Value: $27.12
Dividend/Share: $10.69
Dividend Yield: 10.55%
Earnings/Share: $7.15
Profit Margin: 35.15%
Operating Margin: 47.51%
ROA (TTM): 10.77%
ROE (TTM): 29.12%
Revenue (TTM): $19.59B
Revenue/Share (TTM): $143.25
Earnings Growth (YOY): -11.30%
Revenue Growth (YOY): 19.10%

Stock Price History

1 Year Price History

2 Years Price History

5 Years Price History

10 Years Price History

Download Financials (Excel)

Financial Charts

Revenue & Net Income (Yearly)

Revenue & Net Income (Quarterly)

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Yearly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Earnings Per Share (EPS) History

Financial Ratios

Earnings History

Balance Sheet (Yearly)

Financial Ratios

Date Current Ratio Debt/Equity Debt/Assets Interest Coverage Debt/EBITDA
2024-12-31 2.45x 0.06x 0.50x N/A 0.17x
2023-12-31 1.31x 0.04x 0.52x N/A 0.10x
2022-12-31 104.07x 0.01x 0.53x 57.95x 0.02x
2021-12-31 12.15x 0.03x 0.55x 676.86x 0.04x
2020-12-31 22.56x 0.02x 0.61x 90.88x 0.02x
2019-12-31 15.07x 0.03x 0.65x 71.15x 0.07x
2018-12-31 17.71x 0.00x 0.40x 23.17x 0.01x
2017-12-31 30.49x 1.02x 0.76x 14.76x 3.49x
2016-12-31 9.70x -3.53x 1.24x N/A -1.13x

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