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360 Finance Inc (QFIN) Financial History

20 years of revenue, earnings, cash-flow and balance-sheet history from public filings.

FINANCIAL SERVICES · CREDIT SERVICES · DATA UPDATED 2026-09-17

360 Finance Inc (QFIN) operates in the CREDIT SERVICES industry and is headquartered in Shanghai, China with about 3,557 employees. Its market capitalization is roughly $984 million. In the fiscal year ended 2025-12-31, QFIN reported CNY 16.1B in revenue and CNY 6.0B in net income.

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.

Interactive charts & full statements → Open the QFIN valuation workbench →

QFIN Revenue & Earnings History — Annual Income Statement

Income statement	TTM → 2026-06-30	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31
Total Revenue	CNY 16.1B	CNY 16.1B	CNY 17.2B	CNY 16.3B	CNY 16.6B	CNY 16.6B	CNY 13.6B	CNY 7.2B	CNY 3.7B	CNY 654M	CNY 4M
Gross Profit	CNY 9.8B	CNY 11.9B	CNY 10.6B	CNY 10.4B	CNY 11.7B	CNY 12.8B	CNY 10.4B	CNY 6.2B	CNY 3.5B	CNY 590M	(CNY 28M)
Gross Margin %	60.8%	74.0%	61.8%	64.1%	70.7%	77.2%	76.4%	87.1%	93.2%	90.2%	-694.8%
Operating Income (EBIT)	CNY 5.1B	CNY 7.4B	CNY 7.5B	CNY 4.9B	CNY 4.5B	CNY 6.8B	CNY 3.8B	CNY 3.0B	CNY 1.7B	CNY 213M	(CNY 69M)
Operating Margin %	31.7%	45.9%	43.9%	29.8%	27.0%	40.8%	27.9%	41.4%	44.6%	32.6%	-1727.6%
Net Income	CNY 3.7B	CNY 6.0B	CNY 6.3B	CNY 4.3B	CNY 4.0B	CNY 5.8B	CNY 3.5B	CNY 2.5B	CNY 1.2B	CNY 165M	(CNY 50M)
Net Margin %	23.3%	37.2%	36.5%	26.3%	24.3%	34.8%	25.8%	34.9%	32.0%	25.2%	-1249.5%
EBITDA	CNY 5.7B	CNY 7.4B	CNY 8.1B	CNY 8.0B	CNY 8.9B	CNY 9.9B	CNY 8.6B	CNY 3.0B	CNY 1.7B	CNY 214M	(CNY 68M)
Earnings Per Share (EPS)	CNY 27.61	CNY 44.01	CNY 41.29	CNY 26.09	CNY 24.99	CNY 35.98	CNY 22.80	CNY 16.63	CNY 11.77	CNY 1.15	CNY -0.25
Shares Outstanding (M)	143M	136M	152M	164M	161M	161M	153M	150M	101M	144M	198M

CNY; CNYM / CNYB as marked (reporting currency). Newest period first. Source: public company filings (via Yahoo Finance aggregation).

QFIN Quarterly Revenue & Earnings — Last 8 Quarters

Quarterly income statement	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30
Total Revenue	CNY 3.6B	CNY 3.9B	CNY 3.4B	CNY 5.2B	CNY 4.3B	CNY 4.1B	CNY 4.5B	CNY 4.4B
Gross Profit	CNY 2.8B	CNY 1.7B	CNY 1.9B	CNY 3.4B	CNY 3.4B	CNY 3.2B	CNY 3.0B	CNY 3.0B
Gross Margin %	77.4%	44.0%	56.1%	65.0%	78.7%	78.0%	66.0%	68.0%
Operating Income (EBIT)	CNY 1.1B	CNY 1.1B	CNY 1.2B	CNY 1.7B	CNY 2.2B	CNY 2.2B	CNY 1.9B	CNY 2.3B
Operating Margin %	32.0%	28.3%	33.8%	32.7%	50.2%	54.7%	42.2%	52.4%
Net Income	CNY 405M	CNY 880M	CNY 1.0B	CNY 1.4B	CNY 1.7B	CNY 1.8B	CNY 1.9B	CNY 1.8B
Net Margin %	11.4%	22.5%	29.9%	27.6%	40.1%	44.4%	42.8%	41.2%
EBITDA	CNY 1.1B	CNY 945M	CNY 1.2B	CNY 2.5B	CNY 2.2B	CNY 2.2B	CNY 2.2B	CNY 2.4B
Earnings Per Share (EPS)	CNY 2.84	CNY 6.17	CNY 7.81	CNY 10.79	CNY 10.74	CNY 12.62	CNY 13.24	CNY 12.17
Shares Outstanding (M)	143M	143M	131M	133M	161M	143M	145M	148M

CNY; CNYM / CNYB as marked (reporting currency). Newest period first. Source: public company filings (via Yahoo Finance aggregation).

QFIN Free Cash Flow History

Cash flow	TTM → 2026-06-30	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31
Cash from Operations (CFO)	CNY 8.8B	CNY 11.1B	CNY 9.3B	CNY 7.1B	CNY 5.9B	CNY 5.8B	CNY 5.3B	CNY 3.0B	CNY 285M	(CNY 111M)	(CNY 164M)
Capital Expenditures (CapEx)	CNY 6.2B	CNY 241M	CNY 153M	CNY 85M	CNY 25M	CNY 25M	CNY 15M	CNY 26M	CNY 9M	CNY 7M	CNY 6M
Free Cash Flow (FCF)	CNY 2.6B	CNY 10.8B	CNY 9.2B	CNY 7.0B	CNY 5.9B	CNY 5.8B	CNY 5.3B	CNY 2.9B	CNY 277M	(CNY 118M)	(CNY 170M)
FCF Margin %	16.2%	67.4%	53.5%	43.2%	35.6%	34.6%	39.1%	41.1%	7.4%	-18.1%	-4274.9%
Dividends Paid	—	CNY 1.4B	CNY 1.3B	CNY 942M	CNY 277M	CNY 0M	CNY 0M	CNY 3.1B	CNY 3.1B	CNY 0M	CNY 0M

CNY; CNYM / CNYB as marked (reporting currency). Newest period first. Source: public company filings (via Yahoo Finance aggregation).

QFIN Quarterly Free Cash Flow — Last 8 Quarters

Quarterly cash flow	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30
Cash from Operations (CFO)	CNY 1.1B	CNY 2.1B	CNY 3.1B	CNY 2.5B	CNY 2.6B	CNY 2.8B	CNY 3.1B	CNY 2.4B
Capital Expenditures (CapEx)	CNY 0M	CNY 3.1B	CNY 3.1B	CNY 0M	CNY 0M	CNY 0M	CNY 153M	CNY 0M
Free Cash Flow (FCF)	CNY 1.1B	(CNY 983M)	CNY 0M	CNY 2.5B	CNY 2.6B	CNY 2.8B	CNY 2.9B	CNY 2.4B
FCF Margin %	30.5%	-25.1%	0.0%	48.0%	60.6%	69.1%	64.7%	54.3%
Dividends Paid	—	—	—	—	—	—	CNY 1.3B	—

CNY; CNYM / CNYB as marked (reporting currency). Newest period first. Source: public company filings (via Yahoo Finance aggregation).

QFIN Balance Sheet History

Balance sheet	2026-06-30	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31
Total Assets	CNY 53.1B	CNY 57.0B	CNY 48.1B	CNY 45.8B	CNY 40.3B	CNY 33.5B	CNY 24.4B	CNY 20.4B	CNY 7.3B	CNY 3.1B	CNY 90M
Cash & Cash Equivalents	CNY 7.7B	CNY 4.7B	CNY 4.5B	CNY 4.2B	CNY 7.2B	CNY 6.1B	CNY 4.4B	CNY 2.1B	CNY 1.4B	CNY 469M	CNY 6M
Total Liabilities	CNY 28.3B	CNY 32.8B	CNY 23.9B	CNY 23.8B	CNY 21.4B	CNY 18.3B	CNY 14.9B	CNY 13.1B	CNY 2.9B	CNY 2.4B	CNY 111M
Total Debt (Short + Long-Term)	CNY 2.9B	CNY 3.8B	CNY 1.4B	CNY 828M	CNY 181M	CNY 423M	CNY 215M	CNY 221M	CNY 14M	CNY 749M	CNY 77M
Total Shareholders' Equity	CNY 24.8B	CNY 24.1B	CNY 24.2B	CNY 21.9B	CNY 18.8B	CNY 15.2B	CNY 9.5B	CNY 7.2B	CNY 4.4B	CNY 734M	(CNY 22M)

CNY; CNYM / CNYB as marked (reporting currency). Newest period first. Source: public company filings (via Yahoo Finance aggregation).

Quarterly statements, profitability ratios, price history, insider activity and institutional holders are in the interactive QFIN viewer.

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