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Qifu Technology (QFIN) investor relations material

Qifu Technology Q2 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q2 2025 earnings summary15 Aug, 2025

Executive summary

  • Achieved strong year-over-year growth in loan facilitation, origination volume, and non-GAAP net income, serving over 60 million users and 165 financial institutions as of June 30, 2025.

  • Leveraged AI to enhance credit decisioning, risk management, and operational efficiency, with expansion into embedded finance and B2B AI solutions.

  • Cumulative borrowers with successful drawdown rose 14.9% to 36.8 million year-over-year.

  • Non-GAAP ROE stood at 31.5% for Q2 2025.

  • 90+ day delinquency rate was 1.97% as of June 30, 2025; repeat borrower contribution was 93.8%.

Financial highlights

  • Q2 2025 total net revenue was RMB5.22 billion, up from RMB4.16 billion year-over-year and RMB4.69 billion sequentially.

  • Non-GAAP net income for Q2 2025 was RMB1.85 billion, a 30.8% increase year-over-year.

  • Outstanding loan balance at quarter-end was RMB140.1 billion, a 13.4% year-over-year increase.

  • Net cash provided by operating activities was RMB2.62 billion for the quarter.

  • Net income margin was 33.2%; non-GAAP net income margin was 35.4%.

Outlook and guidance

  • Q3 2025 net income expected between RMB1.52 billion and RMB1.72 billion; non-GAAP net income between RMB1.60 billion and RMB1.80 billion, representing a year-on-year decline of 2% to 13%.

  • Anticipates modest Q3 loan volume decline and stable take rates around 5% due to regulatory changes and risk management tightening.

  • Management to maintain a prudent approach amid macroeconomic uncertainties and focus on operational efficiency.

  • Expects full-year 2025 ABS issuance to grow over 30%, with funding costs to decrease meaningfully versus 2024.

  • Strategic vision includes overseas expansion and strengthening core credit business in China.

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Frequently asked questions

Qifu Technology Inc (formerly 360 DigiTech Inc.) provides online consumer finance services. The company operates a Credit-Tech platform in China. The company's personal installment loan offers various payment schedules, such as fixed interest rates and monthly installments that is tailored to meet customers' structure plans; and full installment loans that ranges across various amounts, repayment terms, and interest rates. It also provides international e-commerce platform of third parties, including Amazon Online Japan store; Taobao; and JD.com. 360 DigiTech, Inc. was founded in 2016 and is headquartered in Shanghai, the People's Republic of China.

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