Education
About Us
Working with TipRanks
Follow Us
Qifu Technology (QFIN)
NASDAQ:QFIN
Earnings Data
Report Date
Aug 14, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
1.75Last Year’s EPS
8.92Same Quarter Last Year
Strong Buy
Based on 4 Analysts Ratings
Earnings Call Summary
Earnings Call Date:May 19, 2025
|% Change Since: -3.28%
|Next Earnings Date:Aug 14, 2025
Earnings Call Sentiment|Positive
The earnings call highlights significant growth in AI-driven operations, non-GAAP net income, and embedded finance and Technology Solutions segments, all contributing to a positive outlook. However, increased sales and marketing expenses and macroeconomic uncertainties are noteworthy challenges.Company Guidance
In the first quarter of 2025, Qifu Technology reported a 15.8% year-over-year increase in total loan facilitation and origination volume, while its take rate rose by 2.2 percentage points to 5.7%. The company achieved a 59.9% year-over-year growth in non-GAAP net income, reaching RMB1.93 billion, and a 78.5% increase in non-GAAP EPADS on a fully diluted basis to RMB13.5. The AI-powered credit decision engine and asset distribution platform supported 163 financial institutions and served over 58 million users. Despite macroeconomic headwinds, Qifu Technology maintained a stable C2M2 metric at 0.6% and reduced overall funding costs by 30 basis points sequentially. The firm issued RMB6.6 billion in ABS, marking a 25% year-over-year increase, and expanded its user base by adding 1.54 million new credit line users, a 6% year-over-year increase. The company also executed significant share buybacks, reducing its share count by approximately 11% for the year. Looking ahead, Qifu Technology remains cautiously optimistic, focusing on enhancing operational efficiency, optimizing capital allocation, and pursuing a "one core two wings" strategy to sustain high-quality growth.AI-Driven Growth and Efficiency
The AI-powered credit decision engine and asset distribution platform served 58 million users and 163 financial institutions. Take rate improved by 2.2 percentage points year-over-year to 5.7%.
Significant Increase in Non-GAAP Net Income
Non-GAAP net income increased by 59.9% year-over-year to RMB1.93 billion, with non-GAAP EPADS rising by 78.5% to RMB13.5.
Expansion of Embedded Finance Business
Credit line users from embedded finance channels grew by 36% year-over-year, and loan volume surged by roughly 106%.
Growth in Technology Solutions Business
Partnerships with three additional municipal banks drove a 144% year-over-year increase in loan volume from the Technology Solutions segment.
Strong Cash Position and Shareholder Returns
Generated RMB2.81 billion in cash from operations. Total share repurchases in 2025 projected to be no less than USD 680 million, with a planned 11% decrease in total share count.
QFIN Earnings History
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 |
|---|---|---|---|
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% |
Mar 12, 2024 | $15.22 | $17.15 | +12.68% |
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.
FAQ
When does Qifu Technology (QFIN) report earnings?
Qifu Technology (QFIN) is schdueled to report earning on Aug 14, 2025, TBA Not Confirmed.
What is Qifu Technology (QFIN) earnings time?
Qifu Technology (QFIN) earnings time is at Aug 14, 2025, TBA Not Confirmed.
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is QFIN EPS forecast?
QFIN EPS forecast for the fiscal quarter 2025 (Q2) is 1.75.
