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Sep 30, 2025
Qfin Holdings Q3 2025 Earnings Report
Qifu Technology reported solid third-quarter results, supported by resilient earnings and strong operating cash flow.
Key Takeaways
Qifu Technology delivered $731.2M in revenue and $201.2M in net income for Q3 2025. While income was down from the prior quarter, cash from operations remained strong and the business maintained healthy margins.
Generated $731.2M in total revenue during the quarter.
Reported net income of $201.2M and non-GAAP net income of $211.9M.
EPS came in at $1.52, with non-GAAP EPS at $1.60.
Strong cash flow from operations totaled $351.4M.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Qifu expects net income between RMB 0.92B and 1.12B in Q4, with a YoY decline of 39% to 49%, reflecting macro and regulatory challenges.
Positive Outlook
- Company expects to maintain a resilient baseline business.
- Continued focus on optimizing business mix under the capital-light model.
- Blended funding cost remained historically low.
- Issued nearly RMB 18.9B in ABS YTD, up over 40% YoY.
- Signs of stabilization in new loan risk performance.
Challenges Ahead
- Guided net income down 39–49% YoY for Q4 2025.
- Ongoing macroeconomic headwinds remain a concern.
- Liquidity issues in high-risk segments affecting borrowers.
- Regulatory uncertainties impacting planning.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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