|
FY2025
12 months to Dec 31, 2025
|
FY2024
12 months to Dec 31, 2024
|
FY2023
12 months to Dec 31, 2023
|
FY2022
12 months to Dec 31, 2022
|
FY2021
12 months to Dec 31, 2021
|
|
|---|---|---|---|---|---|
| Net revenue | |||||
| Credit driven services | |||||
| Loan facilitation and servicing fees-capital heavy | |||||
| Financing income | |||||
| Revenue from releasing of guarantee liabilities | |||||
| Other services fees | |||||
| Total credit driven services | |||||
| Platform services | |||||
| Loan facilitation and servicing fees-capital light | |||||
| Referral services fees | |||||
| Other Services Risk Free Model | |||||
| Total platform services | |||||
| Total net revenue | |||||
| Operating costs and expenses: | |||||
| Facilitation, origination and servicing (including costs charged by related parties of RMB118,849, RMB116,511 and RMB123,968 for the years ended December 31, 2023, 2024 and 2025, respectively) | |||||
| Funding costs | |||||
| Sales and marketing (including expenses charged by related parties of RMB223,627, RMB103,786 and RMB156,020 for the years ended December 31, 2023, 2024 and 2025, respectively) | |||||
| General and administrative (including expenses charged by related parties of RMB13,610, RMB13,110 and RMB12,263 for the years ended December 31, 2023, 2024 and 2025, respectively) | |||||
| Provision for loans receivable | |||||
| Provision for financial assets receivable (including provision generated from related parties of RMB633, RMB(200) and RMB(1,150) for the years ended December 31, 2023, 2024 and 2025, respectively) | |||||
| Provision for accounts receivable and contract assets (including provision generated from related parties of RMB(10,197), RMB1,861 and RMB(1,523) for the years ended December 31, 2023, 2024 and 2025, respectively) | |||||
| Provision for contingent liabilities | |||||
| Total operating costs and expenses | |||||
| Income from operations | |||||
| Interest income, net | |||||
| Foreign exchange gain | |||||
| Fair value change of derivatives | |||||
| Gain on debt extinguishment | |||||
| Investment loss | |||||
| Other income, net | |||||
| Income before income tax expense | |||||
| Income tax expense | |||||
| Net income | |||||
| Net loss attributable to non-controlling interests | |||||
| Net income attributable to ordinary shareholders of the Company | |||||
| Net income per ordinary share attributable to ordinary shareholders of Qfin Holdings, Inc. | |||||
| Basic (Per share) | |||||
| ADS | |||||
| Total basic (Per share) | |||||
| Diluted (Per share) | |||||
| ADS | |||||
| Total diluted (Per share) | |||||
| Weighted average shares used in calculating net income per ordinary share | |||||
| Basic (in shares) | |||||
| Diluted (in shares) | |||||
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