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Mar 31, 2025
Qfin Holdings Q1 2025 Earnings Report
Qifu Technology reported strong financial results for Q1 2025 with solid revenue and earnings performance.
Key Takeaways
Qifu Technology posted robust Q1 2025 results with $646.4M in revenue and $247.6M in net income, supported by capital-light services and an expanding user base despite macroeconomic challenges.
Total revenue reached $646.4M, up from $415.3M a year ago.
Net income was $247.6M, with a non-GAAP net income of $265.4M.
Strong performance in platform services with $217.7M in revenue.
56% of loan balances were under capital-light models, driving profitability.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Qifu Technology expects Q2 2025 net income between RMB1.65B and RMB1.75B, and non-GAAP net income between RMB1.75B and RMB1.85B, indicating continued year-over-year growth.
Positive Outlook
- Year-on-year growth guidance between 24% and 31% for Q2 non-GAAP net income.
- Strong user engagement from API channels.
- Supportive funding environment with record ABS issuance.
- Improved operational efficiency via AI integration.
- Ongoing share repurchase plans backed by convertible notes proceeds.
Challenges Ahead
- Macroeconomic uncertainty may affect risk metrics.
- Potential impact from tariff-related economic pressures.
- Capital-light loan volume declined sequentially.
- Delinquency metrics fluctuated from previous best levels.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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