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Qifu Technology (QFIN)
NASDAQ:QFIN
US Market

Qifu Technology (QFIN) Ratios

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Qifu Technology Ratios

QFIN's free cash flow for Q3 2025 was ¥0.65. For the 2025 fiscal year, QFIN's free cash flow was decreased by ¥ and operating cash flow was ¥0.48. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
2.94 2.45 1.31 104.07 12.15
Quick Ratio
2.94 2.45 1.31 275.89 12.15
Cash Ratio
0.34 0.25 0.12 47.77 4.69
Solvency Ratio
0.19 0.27 0.18 0.19 0.32
Operating Cash Flow Ratio
0.58 0.53 0.21 39.48 4.44
Short-Term Operating Cash Flow Coverage
7.36 6.82 8.91 39.48 14.56
Net Current Asset Value
¥ 18.40B¥ 18.89B¥ 20.86B¥ -5.80B¥ -2.44B
Leverage Ratios
Debt-to-Assets Ratio
0.10 0.03 0.02 <0.01 0.01
Debt-to-Equity Ratio
0.26 0.07 0.04 0.01 0.03
Debt-to-Capital Ratio
0.21 0.06 0.04 0.01 0.03
Long-Term Debt-to-Capital Ratio
0.17 0.01 <0.01 <0.01 0.00
Financial Leverage Ratio
2.53 1.99 2.09 2.14 2.20
Debt Service Coverage Ratio
5.24 4.70 8.74 54.53 21.81
Interest Coverage Ratio
0.00 0.00 0.00 0.00 0.00
Debt to Market Cap
0.93 0.04 0.05 <0.01 0.02
Interest Debt Per Share
95.16 11.09 5.66 1.41 2.76
Net Debt to EBITDA
-0.02 -0.35 -0.41 -0.78 -0.57
Profitability Margins
Gross Profit Margin
71.46%61.77%64.13%70.66%77.16%
EBIT Margin
50.16%46.65%48.56%53.40%59.30%
EBITDA Margin
50.37%47.08%49.01%53.87%59.69%
Operating Profit Margin
44.16%43.86%29.82%27.02%40.79%
Pretax Profit Margin
45.12%45.98%32.40%28.65%42.21%
Net Profit Margin
38.10%36.49%26.31%24.31%34.76%
Continuous Operations Profit Margin
38.02%36.40%26.20%24.20%34.65%
Net Income Per EBT
84.44%79.37%81.20%84.86%82.33%
EBT Per EBIT
102.17%104.83%108.66%106.04%103.49%
Return on Assets (ROA)
11.21%13.01%9.35%9.97%17.26%
Return on Equity (ROE)
28.82%25.90%19.53%21.35%38.03%
Return on Capital Employed (ROCE)
18.77%24.55%41.79%11.13%21.08%
Return on Invested Capital (ROIC)
15.28%18.59%22.68%22.55%17.07%
Return on Tangible Assets
11.40%13.29%9.57%10.23%17.80%
Earnings Yield
99.29%15.01%24.33%18.34%25.84%
Efficiency Ratios
Receivables Turnover
9.05 7.72 5.51 5.07 1.88
Payables Turnover
0.00 0.00 0.00 0.00 0.00
Inventory Turnover
0.00 0.00 0.00 -0.19 0.00
Fixed Asset Turnover
31.40 47.32 58.89 347.76 667.00
Asset Turnover
0.29 0.36 0.36 0.41 0.50
Working Capital Turnover Ratio
0.72 0.96 1.26 1.10 1.25
Cash Conversion Cycle
40.31 47.27 66.20 -1.87K 194.31
Days of Sales Outstanding
40.31 47.27 66.20 71.96 194.31
Days of Inventory Outstanding
0.00 0.00 0.00 -1.94K 0.00
Days of Payables Outstanding
0.00 0.00 0.00 0.00 0.00
Operating Cycle
40.31 47.27 66.20 -1.87K 194.31
Cash Flow Ratios
Operating Cash Flow Per Share
165.17 62.70 43.34 37.89 37.69
Free Cash Flow Per Share
162.87 61.68 42.82 37.72 37.52
CapEx Per Share
2.30 1.03 0.51 0.17 0.16
Free Cash Flow to Operating Cash Flow
0.99 0.98 0.99 1.00 1.00
Dividend Paid and CapEx Coverage Ratio
7.75 6.60 6.94 5.83 19.39
Capital Expenditure Coverage Ratio
71.70 61.01 84.19 219.57 228.78
Operating Cash Flow Coverage Ratio
1.74 5.65 7.65 26.89 13.68
Operating Cash Flow to Sales Ratio
0.61 0.54 0.44 0.36 0.35
Free Cash Flow Yield
159.43%22.02%39.93%26.86%25.76%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
1.01 6.66 4.11 5.45 3.87
Price-to-Sales (P/S) Ratio
0.38 2.43 1.08 1.33 1.35
Price-to-Book (P/B) Ratio
0.29 1.73 0.80 1.16 1.47
Price-to-Free Cash Flow (P/FCF) Ratio
0.63 4.54 2.50 3.72 3.88
Price-to-Operating Cash Flow Ratio
0.63 4.47 2.47 3.71 3.87
Price-to-Earnings Growth (PEG) Ratio
-0.36 0.12 1.08 -0.17 0.02
Price-to-Fair Value
0.29 1.73 0.80 1.16 1.47
Enterprise Value Multiple
0.72 4.82 1.80 1.68 1.68
Enterprise Value
6.59B 38.94B 14.37B 15.00B 16.68B
EV to EBITDA
0.72 4.82 1.80 1.68 1.68
EV to Sales
0.36 2.27 0.88 0.91 1.00
EV to Free Cash Flow
0.61 4.24 2.04 2.54 2.89
EV to Operating Cash Flow
0.60 4.17 2.02 2.53 2.88
Tangible Book Value Per Share
350.10 155.93 127.71 114.71 92.38
Shareholders’ Equity Per Share
364.87 162.34 133.56 120.59 98.96
Tax and Other Ratios
Effective Tax Rate
0.16 0.21 0.19 0.16 0.18
Revenue Per Share
271.90 115.20 99.18 105.91 108.28
Net Income Per Share
103.59 42.04 26.09 25.75 37.63
Tax Burden
0.84 0.79 0.81 0.85 0.82
Interest Burden
0.90 0.99 0.67 0.54 0.71
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.04 0.03 0.03 0.02 0.03
Stock-Based Compensation to Revenue
0.01 <0.01 0.01 0.01 0.02
Income Quality
0.98 1.49 1.67 1.48 1.00
Currency in CNY