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Jun 30, 2025
Qfin Holdings Q2 2025 Earnings Report
Qifu Technology reported higher revenue and net income in Q2 2025, driven by growth in both credit-driven and platform services.
Key Takeaways
Qifu Technology generated $728.1M in revenue and $241.6M in net income during Q2 2025. Non-GAAP EPS reached $1.90. The company declared a $0.76 per ADS dividend and continued buybacks under its $450M repurchase program.
Revenue increased to $728.1M from $573.7M in Q2 2024.
Net income reached $241.6M with a 33.2% margin.
Non-GAAP EPS was $1.90 vs. $1.26 a year ago.
Declared semi-annual dividend of $0.76 per ADS.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Qifu expects Q3 2025 net income between $212M and $240M and non-GAAP net income between $223M and $251M, reflecting a cautious outlook amid macroeconomic headwinds.
Positive Outlook
- Strong revenue growth in both business segments
- Record ABS issuance with lower blended funding costs
- Dividend raised to $0.76 per ADS
- Share repurchases totaling $277M YTD
- Non-GAAP net margin improved to 35.4%
Challenges Ahead
- Operating margin declined YoY
- Capital-light loan volume decreased sequentially
- Macroeconomic uncertainty continues to impact risk metrics
- Higher provisions for contingent liabilities
- Day-1 delinquency rate elevated at 5.1%
Historical Earnings Impact
Analyze how earnings announcements historically affect stock price performance
Avg. Return Before/After Earnings
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