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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.
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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