The earnings call presents a balanced view with significant achievements in loan facilitation volume, non-GAAP net income growth, and ABS issuance, alongside challenges posed by regulatory uncertainty and increased provisions for risk-bearing loans. The company is making strategic advancements in AI and expanding internationally, but faces economic headwinds and regulatory impacts.

Company Guidance

During the Qfin Holdings Second Quarter 2025 Earnings Conference Call, the company provided detailed guidance on various financial metrics and strategic directions. By the end of Q2, their AI-powered credit decision engine and asset distribution platform had facilitated credit lines for 165 financial institutions and over 60 million users, with total loan facilitation and origination volume increasing by 16% year-over-year to RMB 84.6 billion. The take rate for the quarter improved to 5.4%, up nearly 1 percentage point year-over-year. Non-GAAP net income rose by 30.8% to RMB 1.85 billion, and non-GAAP EPADS increased by 48.8% to RMB 13.63. The company projected a non-GAAP net income between RMB 1.6 billion and RMB 1.8 billion for Q3 2025, highlighting a cautious approach amid regulatory changes. They also reported substantial growth in their ABS issuance, reaching RMB 7.8 billion in Q2, a 70% year-over-year increase, and a 10 basis point sequential decrease in overall funding costs. The call emphasized Qfin's strategic focus on prudent operations, AI-driven innovations, and global expansion, including new operations in the U.K.

Increase in Loan Facilitation and Origination Volume

Total loan facilitation and origination volume on the platform increased by approximately 16% year-over-year to RMB 84.6 billion.

Growth in Non-GAAP Net Income

Non-GAAP net income increased by 30.8% year-over-year to RMB 1.85 billion, while non-GAAP EPADS on a fully diluted basis rose by 48.8% to RMB 13.63.

Expansion in ABS Issuance

ABS issuance reached approximately RMB 7.8 billion during the quarter, representing a year-over-year increase of about 70%, nearly matching the full year total in 2024.

User Growth and Decreased Acquisition Costs

Total new credit line users grew 40% year-over-year to 1.79 million, while the average cost per credit line user decreased slightly.

Advancements in AI and Risk Management

Improvements in AI-powered risk decisioning and user profile enhancements, integrating 670 models and over 100 million historical decisions.

Overseas Expansion

Launch of small-scale operations in the U.K., indicating a healthy performance across key metrics.

Qifu Technology (QFIN) Earnings, Revenues Date & History

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QFIN Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Nov 19, 2025	2025 (Q3)	1.76 / -	1.703	―	―	―
Aug 14, 2025	2025 (Q2)	1.77 / 1.78	1.247	43.05% (+0.54)
May 19, 2025	2025 (Q1)	1.74 / 1.76	1.02	72.88% (+0.74)
Mar 16, 2025	2024 (Q4)	1.71 / 1.85	0.962	92.44% (+0.89)
Nov 19, 2024	2024 (Q3)	1.38 / 1.70	0.97	75.50% (+0.73)
Aug 13, 2024	2024 (Q2)	1.03 / 1.25	0.928	34.34% (+0.32)
May 19, 2024	2024 (Q1)	1.02 / 1.02	0.788	29.43% (+0.23)
Mar 12, 2024	2023 (Q4)	0.98 / 0.96	0.752	27.88% (+0.21)
Nov 16, 2023	2023 (Q3)	0.90 / 0.97	0.864	12.30% (+0.11)
Aug 21, 2023	2023 (Q2)	0.94 / 0.93	0.855	8.50% (+0.07)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

QFIN Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Aug 14, 2025	$33.30	$31.95	-4.05%
May 19, 2025	$43.95	$43.49	-1.05%
Nov 19, 2024	$31.78	$34.61	+8.90%
Aug 13, 2024	$20.30	$22.79	+12.27%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.