Qifu Technology Projects FY25 Net Income to Decrease by 2% or Increase by 1%
Company's Risk Management Focus: The company prioritizes risk control amid ongoing macroeconomic uncertainties and plans to adopt a cautious approach in its business planning for the upcoming quarters.
Fourth Quarter 2025 Projections: For Q4 2025, the company anticipates a net income between RMB0.92 billion and RMB1.12 billion, with a non-GAAP net income of RMB1.0 billion to RMB1.2 billion, indicating a year-on-year decline of 39% to 49%.
Full Year 2025 Income Expectations: The company expects a full-year net income between RMB5.88 billion and RMB6.08 billion, and a non-GAAP net income between RMB6.28 billion and RMB6.48 billion, reflecting a slight year-on-year change of -2% to +1%.
Outlook Subject to Change: The financial outlook provided is based on the company's current and preliminary views, which may be subject to significant changes.
Trade with 70% Backtested Accuracy
Analyst Views on QFIN
About QFIN
About the author
Qfin Transitions from Fintech Star to Struggler Amid New Regulatory Changes
Weak Financial Performance: Qfin Holdings Inc. reported a 0.2% decline in revenue and a 17% drop in net profit for the third quarter, marking its first revenue contraction in over two years, and issued a bearish outlook for the remainder of the year.
Regulatory Challenges: The company faces increased regulatory scrutiny that is expected to impact its loan facilitation business, as new rules emphasize risk management and may limit loan growth.
Rising Default Risks: Qfin's provisions for bad loans surged due to an increase in delinquent loans, reflecting the broader economic challenges in China, where consumer and business borrowing has decreased.
Market Reaction: Following the disappointing quarterly results, Qfin's stock fell significantly, underperforming the market, as investors remain cautious due to the company's high exposure to regulatory and economic changes.
JP Morgan Adjusts Qfin Holdings Rating to Neutral and Reduces Price Target to $21
Real-time Intelligence: Benzinga Pro offers the fastest news alerts to help traders stay informed and make timely decisions in the stock market.
Exclusive Content: Subscribers gain access to unique stories and insights generated by Benzinga reporters, enhancing their trading strategies.
Community Engagement: Over 10,000 serious traders are part of the Benzinga Pro community, sharing knowledge and experiences.
Market Winning Tools: The platform is designed to provide traders with the tools and information necessary to succeed in their trading endeavors.
Qfin Holdings is Underpriced
Qfin Holdings Inc Oversold Status: Shares of Qfin Holdings Inc recently entered oversold territory with an RSI reading of 26.4, indicating potential buying opportunities as the stock price fell to $18.6601.
Dividend Yield Opportunity: The company's annualized dividend of $1.52 per share translates to a yield of 6.78% based on a recent share price of $22.42, making it attractive for dividend investors.
Investor Sentiment: The low RSI suggests that heavy selling may be exhausting, prompting bullish investors to consider entry points for purchasing shares.
Dividend History Importance: Investors are encouraged to review QFIN's dividend history to assess the likelihood of continued dividend payments, as dividends can be unpredictable.
Qfin Holdings Inc. - Sponsored ADR (QFIN) Reports Q3 Earnings Below Expectations
Earnings Performance: Qfin Holdings Inc. reported quarterly earnings of $1.52 per share, missing estimates and showing a decline from $1.74 per share a year ago, resulting in a -9.52% earnings surprise.
Revenue Growth: The company achieved revenues of $731.25 million, exceeding expectations by 6.86% and marking an increase from $622.74 million in the previous year.
Stock Outlook: Qfin Holdings has underperformed the market with a 42.1% decline this year, and its current Zacks Rank is #5 (Strong Sell), indicating expected underperformance in the near future.
Future Estimates: The consensus EPS estimate for the upcoming quarter is $1.51, with revenues projected at $665.72 million, while the industry rank suggests potential for better performance in the Financial - Miscellaneous Services sector.
Earnings Report for After-Hours Trading on November 18, 2025: DLB, POWL, GBDC, QFIN, SQM, SBLK, LZB, VREX, CCIF
Earnings Reports Overview: Several companies, including Dolby Laboratories, Powell Industries, and Golub Capital BDC, are set to report earnings for the quarter ending September 30, 2025, with varying forecasts indicating decreases in earnings per share compared to the previous year.
Performance Expectations: Despite expected declines in earnings, companies like Dolby and Powell have consistently beaten earnings expectations in the past year, suggesting potential resilience in their performance.
Industry Comparisons: The Price to Earnings (P/E) ratios for these companies indicate that they are expected to have higher earnings growth compared to their industry peers, with Dolby and Powell showing ratios above their respective industry averages.
Notable Increases and Decreases: Sociedad Quimica y Minera S.A. is projected to see a significant increase in earnings, while Star Bulk Carriers Corp. and La-Z-Boy Incorporated are expected to report substantial decreases in earnings per share compared to the same quarter last year.
Qfin Holdings Shares Drop Following Disappointing Q3 Earnings
Q3 Financial Performance: Qfin Holdings (QFIN) reported a significant Q3 loss, with non-GAAP earnings per American depository share (EPADS) of RMB 11.36, missing estimates and declining from previous quarters. Revenue was RMB 5.21B, slightly above consensus but down from the prior quarter.
Market Challenges: The company faced economic uncertainties and regulatory changes, leading to increased risk levels and a rise in loan delinquency rates, which reached 2.09% as of September 30, 2025.
Future Projections: Qfin anticipates a non-GAAP net income of RMB 1.0B-RMB 1.2B for Q4, reflecting a year-over-year decline of 39%-49%.
Operational Adjustments: CEO Haisheng Wu noted that the company is adjusting operations to navigate macroeconomic challenges and has tightened risk standards in response to liquidity issues in high-risk segments.
Qfin Transitions from Fintech Star to Struggler Amid New Regulatory Changes
Weak Financial Performance: Qfin Holdings Inc. reported a 0.2% decline in revenue and a 17% drop in net profit for the third quarter, marking its first revenue contraction in over two years, and issued a bearish outlook for the remainder of the year.
Regulatory Challenges: The company faces increased regulatory scrutiny that is expected to impact its loan facilitation business, as new rules emphasize risk management and may limit loan growth.
Rising Default Risks: Qfin's provisions for bad loans surged due to an increase in delinquent loans, reflecting the broader economic challenges in China, where consumer and business borrowing has decreased.
Market Reaction: Following the disappointing quarterly results, Qfin's stock fell significantly, underperforming the market, as investors remain cautious due to the company's high exposure to regulatory and economic changes.
JP Morgan Adjusts Qfin Holdings Rating to Neutral and Reduces Price Target to $21
Real-time Intelligence: Benzinga Pro offers the fastest news alerts to help traders stay informed and make timely decisions in the stock market.
Exclusive Content: Subscribers gain access to unique stories and insights generated by Benzinga reporters, enhancing their trading strategies.
Community Engagement: Over 10,000 serious traders are part of the Benzinga Pro community, sharing knowledge and experiences.
Market Winning Tools: The platform is designed to provide traders with the tools and information necessary to succeed in their trading endeavors.
Qfin Holdings is Underpriced
Qfin Holdings Inc Oversold Status: Shares of Qfin Holdings Inc recently entered oversold territory with an RSI reading of 26.4, indicating potential buying opportunities as the stock price fell to $18.6601.
Dividend Yield Opportunity: The company's annualized dividend of $1.52 per share translates to a yield of 6.78% based on a recent share price of $22.42, making it attractive for dividend investors.
Investor Sentiment: The low RSI suggests that heavy selling may be exhausting, prompting bullish investors to consider entry points for purchasing shares.
Dividend History Importance: Investors are encouraged to review QFIN's dividend history to assess the likelihood of continued dividend payments, as dividends can be unpredictable.
Qfin Holdings Inc. - Sponsored ADR (QFIN) Reports Q3 Earnings Below Expectations
Earnings Performance: Qfin Holdings Inc. reported quarterly earnings of $1.52 per share, missing estimates and showing a decline from $1.74 per share a year ago, resulting in a -9.52% earnings surprise.
Revenue Growth: The company achieved revenues of $731.25 million, exceeding expectations by 6.86% and marking an increase from $622.74 million in the previous year.
Stock Outlook: Qfin Holdings has underperformed the market with a 42.1% decline this year, and its current Zacks Rank is #5 (Strong Sell), indicating expected underperformance in the near future.
Future Estimates: The consensus EPS estimate for the upcoming quarter is $1.51, with revenues projected at $665.72 million, while the industry rank suggests potential for better performance in the Financial - Miscellaneous Services sector.
Earnings Report for After-Hours Trading on November 18, 2025: DLB, POWL, GBDC, QFIN, SQM, SBLK, LZB, VREX, CCIF
Earnings Reports Overview: Several companies, including Dolby Laboratories, Powell Industries, and Golub Capital BDC, are set to report earnings for the quarter ending September 30, 2025, with varying forecasts indicating decreases in earnings per share compared to the previous year.
Performance Expectations: Despite expected declines in earnings, companies like Dolby and Powell have consistently beaten earnings expectations in the past year, suggesting potential resilience in their performance.
Industry Comparisons: The Price to Earnings (P/E) ratios for these companies indicate that they are expected to have higher earnings growth compared to their industry peers, with Dolby and Powell showing ratios above their respective industry averages.
Notable Increases and Decreases: Sociedad Quimica y Minera S.A. is projected to see a significant increase in earnings, while Star Bulk Carriers Corp. and La-Z-Boy Incorporated are expected to report substantial decreases in earnings per share compared to the same quarter last year.
Qfin Holdings Shares Drop Following Disappointing Q3 Earnings
Q3 Financial Performance: Qfin Holdings (QFIN) reported a significant Q3 loss, with non-GAAP earnings per American depository share (EPADS) of RMB 11.36, missing estimates and declining from previous quarters. Revenue was RMB 5.21B, slightly above consensus but down from the prior quarter.
Market Challenges: The company faced economic uncertainties and regulatory changes, leading to increased risk levels and a rise in loan delinquency rates, which reached 2.09% as of September 30, 2025.
Future Projections: Qfin anticipates a non-GAAP net income of RMB 1.0B-RMB 1.2B for Q4, reflecting a year-over-year decline of 39%-49%.
Operational Adjustments: CEO Haisheng Wu noted that the company is adjusting operations to navigate macroeconomic challenges and has tightened risk standards in response to liquidity issues in high-risk segments.
