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Qfin Holdings QFIN · USD

Financials · US listing · 🇺🇸 United States

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5.61

+0.54%

Close of 9 Nov 2026, in USD

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About Qfin Holdings

Its shares trade under the ticker QFIN. It has been listed since 14 December 2018. In the fiscal year to 31 December 2025, it reported revenue before interest expense of CN¥16.08bn and net income of CN¥5.99bn. At that date it held total assets of CN¥56.95bn and shareholders' equity of CN¥24.11bn.

360 DigiTech, Inc. is a holding company, which engages in the provision of digital consumer finance platform. The company is headquartered in Shanghai, Shanghai. The company went IPO on 2018-12-14. The firm mainly provides tailored online consumer finance products to prime, underserved borrowers funded primarily by funding partners. The Company’s technology platform enables a user experience supported by resolute risk management.

Figures and description from our data supplier, not checked against the company's own report.

Company facts

Sector
Financials
Industry
Consumer Finance
Listed since
14 Dec 2018
Employees
3,121
Head office
7/F LUJIAZUI FINANCE PLAZA, PUDONG NEW AREA, SHANGHAI, 200122
Incorporated in
E9
Classification
Finance Services
Filer status
Large accelerated filer

Leadership

Pay as last reported

  • Mr. Fan ZhaoIndependent Chairman of the Board
  • Mr. Haisheng WuChief Executive Officer, Director, since 2019
  • Mr. Alex XuChief Financial Officer, Director, since 2020
  • Mr. Zhiqiang HeSenior Vice President, since 2020
  • Mr. Yan ZhengChief Risk Officer
  • Mr. Dan ZhaoDirector
  • Mr. Xiaohuan ChenIndependent Director
  • Ms. Jiao JiaoIndependent Director
  • Mr. Xiangge LiuIndependent Director
  • Mr. Gang XiaoIndependent Director
  • Mr. Andrew YanIndependent Director
  • Ms. Karen JiInvestor Relations, since 2024

Environmental, social and governance

Scores out of 100, from our data supplier

ESG
Overall
64
Environment
72
Social
87
Governance
34
Direct emissions (scope 1)
16.57 t
Energy emissions (scope 2)
1,684.56 t
Women in the workforce
41%
Carbon reduction policy
Yes
Human rights policy
Yes

SWOT analysis

AI-generated by our data supplier. Not written or checked by our editors.

AI-generated

Strengths

  • Strong Financial Performance: 360 DigiTech Inc has consistently demonstrated solid financial results, with steady revenue growth and stable profitability.
  • Technological Expertise: The company possesses advanced technology capabilities, enabling it to develop innovative solutions and stay ahead in the competitive fintech industry.
  • Diverse Product Portfolio: 360 DigiTech Inc offers a wide range of fintech products and services, catering to different customer needs and enhancing revenue streams.
  • Established Brand Reputation: The company has built a reputable brand image, known for its reliability, customer-centric approach, and commitment to delivering quality financial solutions.

Weaknesses

  • Dependence on China Market: 360 DigiTech Inc heavily relies on the Chinese market, leaving it vulnerable to regulatory changes, economic fluctuations, and competitive pressures within the country.
  • Limited International Presence: The company has limited presence outside of China, which restricts its growth potential and exposes it to geopolitical risks and market-specific challenges.
  • Relatively Small Market Share: Despite its strong position in the Chinese fintech industry, 360 DigiTech Inc faces intense competition from established players, making it difficult to increase market share.

Opportunities

  • Expanding Service Offerings: The company can leverage its technological expertise to develop and launch new innovative financial products and services, thereby attracting new customers and expanding market reach.
  • International Expansion: 360 DigiTech Inc can explore opportunities to enter new markets beyond China, diversifying its revenue sources and reducing dependence on a single market.
  • Growing Fintech Industry: With the increasing adoption of digital financial services globally, the company can capitalize on the growing fintech industry and tap into emerging trends, such as mobile payments and online lending.

Threats

  • Regulatory Risks: The fintech industry faces evolving regulations and compliance requirements, which may impact 360 DigiTech Inc's operations, necessitating significant investments and continuous adaptation.
  • Intense Competition: The company operates in a highly competitive market, with both established players and emerging startups vying for market share, leading to potential pricing and margin pressures.
  • Economic Volatility: In times of economic downturns or uncertainties, 360 DigiTech Inc may experience reduced demand for its fintech solutions, affecting its revenue and profitability.

Sources and methodology

Data on this tab
Our data supplier
Chart on the Overview
TradingView

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