Qfin Holdings Inc
ir.qfin.comWhat Do They Do?
Provides technology that helps financial institutions find and assess borrowers, match loans and manage repayments, while connecting consumers and small businesses seeking credit through the Qifu Jietiao app.
20-F for FY2025, filed Apr 27, 2026Established in 2016, we are a leading AI-empowered Credit-Tech platform in China. Leveraging our sophisticated machine learning models and…View ↗
We match underserved and unserved users with credit demand to a diversified pool of financial institutions with credit to supply, through…View ↗
Under the credit-driven services category, we match prospective borrowers with financial institutions and empower financial institutions in…View ↗
Our core product offered to users in Mainland China is an affordable, digital revolving line of credit allowing multiple loan drawdowns…View ↗
Who Are Their Customers?
Financial institutions buy its technology and loan-matching services; consumers and small businesses use its app to apply for credit. It reaches users through channel partners that direct them to the app.
20-F for FY2025, filed Apr 27, 2026Established in 2016, we are a leading AI-empowered Credit-Tech platform in China. Leveraging our sophisticated machine learning models and…View ↗
Our core product offered to users in Mainland China is an affordable, digital revolving line of credit allowing multiple loan drawdowns…View ↗
Through cooperating with channel partners to direct users with credit needs to its app, the Group provides services through its…View ↗
How Are They Changing?
Overseas expansion
The earlier report describes a China-focused platform and expansion into small-business credit; the latest report adds exploration of selected overseas markets to serve underserved groups.
20-F for FY2022, filed Apr 27, 2023 20-F for FY2025, filed Apr 27, 2026Established in 2016, we are a Credit-Tech platform in China that provides a comprehensive suite of technology services to assist financial…View ↗
Established in 2016, we are a leading AI-empowered Credit-Tech platform in China. Leveraging our sophisticated machine learning models and…View ↗
Technology services
The earlier platform-services lineup included risk-management software; the latest report says it stopped basic software services and focuses on end-to-end technology services for financial institutions.
20-F for FY2022, filed Apr 27, 2023 20-F for FY2025, filed Apr 27, 2026Our platform services include loan facilitation and post-facilitation services through our capital-light model, intelligent marketing…View ↗
In 2020, we began to offer financial institutions on-premise deployed, basic risk management SaaS solutions, or RM SaaS solutions. Since…View ↗
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