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Investor Relations14 Oct 2025
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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.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.
How did risk strategies change in April/June?
What factors influence target market selection?
What's driving the Q3 earnings guidance decline?
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Next Qifu Technology earnings date
Q3 202519 Nov, 2025
Next Qifu Technology earnings date
Q3 202519 Nov, 2025
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Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
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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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