Qfin Holdings, Inc. (QFIN) Financial Statements — Income, Balance Sheet, Cash Flow

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Financial Statements — QFIN

Balance Sheet

(in billions CNY)

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Cash & Equivalents	4.70	4.45	0.59	7.17	0.96	4.42	0.30
Total Current Assets	49.48	42.78	5.61	34.10	4.36	21.88	2.80
Net Loans & Leases	1.72	1.72	3.12	3.67	4.40	4.21	1.97
Total Assets	56.95	48.13	6.45	5.85	33.50	24.39	2.92
Total Current Liabilities	2.91	17.47	2.80	16.75	14.14	2.05	9.67
Long-term Debt	--	0.25	0.09	0.02	--	--	--
Total Liabilities	4.69	23.89	23.81	21.41	18.29	14.91	13.14
Retained Earnings	3.50	20.95	16.30	1.86	9.64	4.14	0.30
Total Stockholder Equity	3.45	24.19	21.94	18.85	2.39	1.45	1.04

Income Statement

(in billions CNY) (except per-share rows)

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Net Interest Income	--	--	--	--	0.13	0.01	(0.04)
Provision for Credit Losses	3.63	2.77	2.15	0.23	0.97	0.70	0.49
Pretax Income	7.38	7.89	0.74	0.69	1.10	0.63	2.97
Tax Provision	1.40	1.64	1.01	0.11	1.26	0.59	0.47
Net Income	5.98	6.25	0.60	0.58	0.90	3.50	0.36
Basic EPS	22.48	2.88	1.88	12.87	18.82	1.80	8.66
Diluted EPS	22.01	20.64	1.84	12.50	2.82	1.75	1.19

Cash Flow Statement

(in billions CNY)

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Operating Cash Flow	1.58	9.34	7.12	5.92	5.79	5.33	2.97
Capital Expenditures	0.03	0.15	0.01	0.03	0.03	0.02	0.03
Free Cash Flow*	1.55	9.19	7.11	5.90	5.76	5.31	2.95
Investing Cash Flow	(1.87)	(7.99)	(1.57)	(7.36)	(0.95)	0.14	(8.86)
Financing Cash Flow	2.78	(2.11)	0.15	0.46	0.36	(3.28)	1.11

* Derived from reported values

Dividends Per Share

(USD)

Metric	FY 2022	FY 2021
Dividends Per Share	0.11	0.13