Qifu Technology (QFIN)
NASDAQ:QFIN
Earnings Data
Report Date
May 27, 2026TBA (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
1.19Last Year’s EPS
1.83Same Quarter Last Year
Moderate Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Negative
The call reflects a mixed but cautious outlook: the company demonstrated resilience at scale (platform reach, full-year loan volume stability, strong Technology Solutions growth, improved funding metrics and material shareholder returns). However, there are material near-term headwinds — steep Q4 profit declines, significant Q4 revenue and loan-volume contractions, elevated delinquency metrics in legacy portfolios, lower ICE/platform revenues, declining liquidity and a weak Q1 2026 earnings outlook (c. 51%–53% y/y decline). Management’s proactive risk tightening, portfolio optimization and pivot to capital-light operations are positive actions, but near-term financial and regulatory pressures dominate the tone.Company Guidance
Full-Year Loan Volume Stability
Total loan facilitation and origination volume for full-year 2025 reached RMB 327.1 billion, a year-over-year increase of 1.6%, indicating resilience despite a challenging industry backdrop.
Large Platform Scale and Customer Reach
Platform served 167 financial institutions and delivered digital credit services to over 63 million cumulative credit line users by year-end 2025, reflecting broad institutional partnerships and scale.
Technology Solutions Rapid Expansion
Technology Solutions loan volume grew approximately 448% year-over-year in 2025, with outstanding loan balance approaching RMB 11.7 billion, validating product-market fit for bank-focused lending solutions (Focus Pro) and AI capabilities.
ABS Issuance Growth and Lower Issuance Cost
Total ABS issuance for full-year 2025 increased 40.8% year-over-year to RMB 21.4 billion, while average issuance cost declined by 72 basis points year-over-year; overall funding cost also fell another 20 basis points from Q3 to a historical low.
Improving Early-Vintage Risk Metrics
FPD30 for new loans declined ~18% sequentially in Q4; December vintages were close to 2-year lows. January FPD7 further improved ~10% from December. C2M2 improved by 8.2% month-over-month from December to January, suggesting recent underwriting and collections actions are bearing fruit for new vintages.
Capital Returns and Share Repurchases
Returned approximately USD 200 million in dividends and repurchased roughly USD 680 million through share buybacks in 2025 (repurchased ~21.1 million ADSs in 2025 and ~40 million ADSs since start of 2024, ~25.4% of starting share count), demonstrating strong shareholder-return focus and balance-sheet optionality.
EPADS Accretion Despite Challenging Year
Non-GAAP EPADS for full-year 2025 increased 10.4% year-over-year to RMB 46.8, reflecting EPS accretion driven by material share repurchases despite weaker operational results.
Operational Cash Generation
Generated CNY 3.15 billion of cash from operations in Q4 (versus CNY 2.5 billion in Q3), supporting liquidity and deleveraging efforts amid market uncertainty.
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 |
|---|---|---|---|
Mar 17, 2026 | $14.43 | $13.21 | -8.45% |
Nov 18, 2025 | $22.42 | $19.23 | -14.23% |
Aug 14, 2025 | $32.43 | $31.12 | -4.04% |
May 19, 2025 | $42.80 | $42.36 | -1.03% |
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 May 27, 2026, TBA (Confirmed).
What is Qifu Technology (QFIN) earnings time?
Qifu Technology (QFIN) earnings time is at May 27, 2026, TBA (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 2026 (Q1) is 1.19.
