What Qfin Holdings, Inc. does.

Established in 2016, we are a leading AI-empowered Credit-Tech platform in China. Leveraging our sophisticated machine learning models and data analytics capabilities, we provide a comprehensive suite of technology services to assist financial institutions, consumers, and SMEs in the loan lifecycle, ranging from borrower acquisition, preliminary credit assessment, fund matching and post-facilitation services, with Qifu Jietiao app as our primary user interface. We are dedicated to making credit services more accessible and personalized to consumers and SMEs through Credit-Tech services to financial institutions, whereby we deploy our technology solutions to help financial institutions identify the diversified needs of consumers and SMEs, effectively access prospective borrowers that are creditworthy through multi-channels, enhance credit assessment on prospective borrowers, and manage credit risks and improve collection strategies and efficiency, among others. With user insights distilled from long-term engagement with users across life and business scenarios enabled by AI and data analytics, our technology solutions empower financial institutions across different stages of the loan lifecycle, enabling them to extend the reach of services and satisfy the financing needs of consumers and SMEs, and deliver to users more accessible credit services. In turn, we derive service fees from our technology solutions to financial institutions. We started to explore overseas expansion in 2024, leveraging our cutting-edge financial technologies to serve the underserved segments in selected overseas markets. We believe these initiatives will bring long-term growth to the company and diversify our business portfolio geographically. As of December 31, 2025, we had cumulatively facilitated approximately RMB2,539.1 billion (US$363.1 billion) of loans to 38.9 million borrowers. As of the same date, we had 63.6 million users with approved credit lines, accumulatively.

Revenue and profit, by fiscal year.

More on QFIN.

• Qfin Holdings, Inc. summary
• Qfin Holdings, Inc. financial statements
• Qfin Holdings, Inc. key metrics
• Qfin Holdings, Inc. health scores and style box
• Qfin Holdings, Inc. earnings
• Qfin Holdings, Inc. dividends
• Qfin Holdings, Inc. valuation
• Qfin Holdings, Inc. ownership and insiders
• Qfin Holdings, Inc. peers

Figures from Qfin Holdings, Inc.'s filings with the U.S. SEC, standardised automatically; prices are end-of-day closes. Not financial advice.