Qfin Holdings, Inc. (NASDAQ:QFIN)
Insiders filed in the last 90 days, but none of those trades qualified for scoring — round-trip buys and filings whose price is far off the market are excluded.
Keeps a healthy share of every dollar it sells.
- Revenue
- $16.08B
- Net income
- $3.74B
- Net margin
- 23.3%
Little or no net debt.
- Total debt
- $2.95B
- Cash
- $7.68B
- Net debt / EBITDA
- -0.83x
Comfortably covers what is due within a year.
- Current assets
- $11.94B
- Current liabilities
- $2.18B
- Current ratio
- 5.47
The business funds itself from operations.
- Operating cash flow
- $8.76B
- Free cash flow
- $5.68B
- FCF margin
- 35.3%
Not funding itself by issuing shares.
- Shares outstanding
- 140.5M
- Share growth (1y)
- 5.7%
Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.
QFIN Income Statement
| Fiscal Period | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
|---|---|---|---|---|---|---|
| Period Ending | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 |
| Revenue | 3.56 B | 3.91 B | 3.41 B | 5.21 B | 4.33 B | 4.06 B |
| Revenue Growth (YoY) | -17.84 % | -3.69 % | -23.94 % | 19.12 % | 4.05 % | -2.26 % |
| Cost of Revenue | 802.84 M | 2.19 B | 1.50 B | 1.82 B | 920.38 M | 891.63 M |
| Gross Profit | 2.75 B | 1.72 B | 1.91 B | 3.38 B | 3.41 B | 3.17 B |
| SG&A Expense | 533.47 M | 614.57 M | 693.35 M | 808.63 M | 838.56 M | 787.98 M |
| R&D Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Expenses | 1.62 B | 614.57 M | 760.92 M | 1.68 B | 1.24 B | 947.32 M |
| Operating Income | 1.14 B | 1.11 B | 1.15 B | 1.70 B | 2.17 B | 2.22 B |
| Pretax Income | 1.09 B | 1.14 B | 1.15 B | 1.83 B | 2.17 B | 2.22 B |
| Tax Provision | 689.19 M | 260.72 M | 136.51 M | 398.83 M | 441.52 M | 423.63 M |
| Net Income | 404.77 M | 879.81 M | 1.02 B | 1.44 B | 1.73 B | 1.80 B |
| EPS (Basic) | 6.66 | 14.52 | 15.66 | 10.90 | 12.90 | 12.78 |
| EPS (Diluted) | 6.56 | 14.32 | 15.38 | 10.76 | 12.61 | 12.56 |
| Shares Outstanding | 140.48 M | 140.48 M | 128.78 M | 130.97 M | 132.92 M | 140.48 M |
Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.