Qfin (ADR) (QFIN)
Connects financial institutions with consumers and SMEs through technology-enabled credit services.
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Connects financial institutions with consumers and small and medium-sized enterprises through credit-driven and platform services. Credit-driven work may carry risk through guarantees or lending, while platform services provide technology-enabled facilitation, marketing, referral, and risk-management services without taking credit risk.
Connects financial institutions with consumers and small and medium-sized enterprises through technology-enabled borrower acquisition, credit assessment, fund matching, and post-facilitation work. Credit-driven services can bear credit risk through guarantees or lending, while platform services provide facilitation, marketing, referral, and risk-management services without taking that risk.
Formed as a 360 Group spin-off, the group began operating independently in 2016 and later rebranded its primary interface as Qifu Jietiao. Its Intelligence Credit Engine is an open intelligent-marketing platform for financial-institution partners. The China-focused credit-tech model depends on financial-institution partners and operates amid Chinese credit cycles, regulatory change, and macroeconomic uncertainty.
Company facts
Target rangeAs of Sep 22, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Aug 26, 2026 | Morgan Stanley | Target | Target: $27.90 | Target: $13 |
| Aug 26, 2026 | Citigroup | Downgrade | ||
| Aug 26, 2026 | Jefferies | Reiterate | Rating: —Target: — | Target: $15.40 |
| Aug 26, 2026 | JP Morgan | Downgrade | ||
| Aug 12, 2026 | Deutsche Bank | Downgrade | Rating: —Target: — | Target: $13 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $1.55B · Total debt $439.6M · Total assets $7.93B · Shareholders' equity $3.69B
- Revenue
- $530.7M
- Operating income
- $169.7M
- Net income
- $60.4M
Reported in CNY, converted at the latest exchange rate
HistoryDividendAnnual yield
| Institutions | 57.93% | 75.41M ADS | |
|---|---|---|---|
| 173 holders · as of Jun 30, 2026 | |||
| Insiders | 15.75% | 20.50M ADS | |
| 7 holders · as of Jun 10, 2026 | |||
| Other | 26.32% | 34.27M ADS | |
| remainder | |||
130.19M ADS (1 ADS = 2 ordinary shares) as of Sep 16, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
The share count is from the company's Dec 2024 annual report; nothing newer is on file here.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
13gInsider | 8.69% | 11.31M | filed Feb 10, 2021 |
PagesInsider | 6.26% | 8.15M | filed Feb 13, 2020 |
BlackRock, Inc.Institution | 4.94% | 6.43M ADS | as of Jun 30, 2026 |
Aspex Management (HK) LtdInstitution | 4.93% | 6.42M ADS | as of Jun 30, 2026 |
Fountainvest China Capital Partners GP3 Ltd.Institution | 4.64% | 6.04M ADS | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Jun 9, 2026 | Xiaohuan Chen | director | +4,000 | $14.41 |
| Mar 31, 2023 | Xiaohuan Chen | director | +60,270 | $12.51 |
| Mar 27, 2026 | Xiaohuan Chen | director | +190,330 | $12.90 |
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Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Qfin (ADR) | $7.80 | −0.88% | $1.02B | 1.1 | 4.6 | 0.4 | −13.0% |
| FinVolution Group (ADR) | $3.24 | −0.61% | $809.8M | 3.0 | — | 0.4 | +0.4% |
| LexinFintech (ADR) | $0.7381 | −3.98% | $129.7M | 0.9 | — | 0.1 | −6.3% |
| Yiren Digital (ADR) | $0.9950 | −1.49% | $87.8M | — | 1.3 | 0.1 | +559.9% |
| Median | 1.9 | 1.3 | 0.1 | +0.4% |