Qfin Holdings Posts Q4 and FY 2025 Results as Loan Volumes Ease but User Base Grows

Qfin Holdings ( (HK:3660) ) has issued an announcement.

Qfin Holdings announced its unaudited financial results for the fourth quarter and full year 2025, alongside a raised semi-annual dividend, underscoring management’s confidence in its capital position. The platform expanded its reach to 167 financial institutional partners and 291.3 million registered users, with notable growth in approved credit line users and cumulative borrowers, even as loan facilitation volume and outstanding loan balances declined amid a shift in product mix.

In the fourth quarter, the company facilitated over 16.5 million loans with a weighted average tenor of about 11 months and maintained a 90 day-plus delinquency rate of 2.71 percent, supported by a high repeat borrower contribution of 90.8 percent. The reduction in capital-light and technology solutions loan volumes and balances, coupled with stable asset quality metrics, suggests Qfin is recalibrating growth and risk exposure while leveraging its large, repeat user base to sustain operating resilience in a changing credit environment.

The most recent analyst rating on (HK:3660) stock is a Buy with a HK$68.60 price target. To see the full list of analyst forecasts on Qfin Holdings stock, see the HK:3660 Stock Forecast page.

More about Qfin Holdings

Qfin Holdings, Inc. is a leading AI-empowered Credit-Tech platform in China, connecting hundreds of financial institutional partners with nearly 300 million consumers seeking credit. Through its “Qifu Jietiao” app and related technology solutions, the company provides data-driven loan facilitation and end-to-end technology services to lenders under both capital-light and technology-only models.

Average Trading Volume: 31,839

Technical Sentiment Signal: Sell

Current Market Cap: HK$12.28B

For a thorough assessment of 3660 stock, go to TipRanks’ Stock Analysis page.