Qifu Technology, Inc ( (QFIN) ) has released its Q3 earnings. Here is a breakdown of the information Qifu Technology, Inc presented to its investors.
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Qifu Technology, Inc., a prominent AI-driven Credit-Tech platform in China, specializes in providing technology services to financial institutions and consumers, enhancing the loan lifecycle through advanced data analytics and machine learning models.
In its third quarter of 2025, Qifu Technology reported stable financial results amidst a challenging macroeconomic environment. The company connected with 167 financial institutional partners and served 283.7 million consumers, reflecting an 11.6% increase from the previous year.
Key financial metrics include a total net revenue of RMB5,205.7 million, slightly down from the previous quarter, and a net income of RMB1,432.5 million. Despite a decrease in loan facilitation volume, the company maintained a strong cash position with RMB14.3 billion in cash and short-term investments, allowing it to navigate economic uncertainties effectively.
Qifu Technology’s management remains cautious, emphasizing risk control and prudent business planning in response to ongoing regulatory changes and macroeconomic challenges. The company aims to optimize its business mix and maintain resilience while positioning itself for future growth opportunities as the industry stabilizes.
Looking forward, Qifu Technology anticipates a net income between RMB0.92 billion and RMB1.12 billion for the fourth quarter of 2025, reflecting a cautious yet strategic approach to sustaining its financial health and market position.