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Qfin Holdings (QFIN) earnings
Qfin Holdings earnings: last reported Wed, 26 Aug 2026, for the quarter ended Jun 2026.
Qfin Holdings earnings callsQfin Holdings earnings calls (QFIN)
Latest concall · Q2 2026 · call held call held 26 Aug 2026
Qfin Holdings Q2 FY26 — Risk Management and Efficiency Prioritized Amid Industry Headwinds
What went well
- The C2M2 ratio declined by 17% sequentially to 0.66%, approaching Q2 last year's level.
- The 30-day collection rate improved to 88.1%, up 2.3 percentage points sequentially.
- Overall funding costs declined by approximately 10 basis points sequentially in Q2.
What to watch
- Total net revenue for Q2 was CNY 3.57 billion, down from CNY 5.22 billion a year ago.
- Non-GAAP net profit was CNY 455 million in Q2, a significant decline from CNY 1.85 billion a year ago.
Performance −77.5% 1Y
1Y: $29.75 on 29 Sept 2025 → $6.7. High $30.67 (2 Oct 2025), low $6.7 (30 Sept 2026).
Balance sheet
| Year ending | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|
| Equity capital | $3.0K | $3.0K | $3.0K | $3.0K | $3.0K | $3.0K |
| Reserves | $634.11M | $1.51B | $1.86B | $2.30B | $2.87B | $3.50B |
| Total liabilities | $2.28B | $2.87B | $3.10B | $3.35B | $3.27B | $4.69B |
| Fixed assets | $2.97M | $3.91M | $6.90M | $32.57M | $49.70M | $91.09M |
| Investments | — | — | $8.26M | $2.11M | $464.99M | $407.87M |
| Total assets | $3.74B | $5.26B | $5.85B | $6.45B | $6.59B | $8.14B |
How to read this
As filed on each reporting date, including interim balance sheets. A line the company does not report — deposits for a non-lender, for instance — is left out rather than shown as a row of dashes.
Insider filings
5 filings between Mar 27, 2026 and Sep 29, 2026.
Open market
decisions to buy or sellPurchases
$2.51M
2 purchases by 1 insider
Sales
$4.89M
3 sales by 1 insider
Who traded
open market only| Insider | Bought | Sold | Last filing |
|---|---|---|---|
| Yan Andrew Y | — | $4.89M | Sep 29, 2026 |
| Chen Xiaohuan | $2.51M | — | Jun 9, 2026 |
Latest filings (6)
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| Sep 29, 2026 | Yan Andrew Y Director | Sale | 850 | $3.0K |
| Sep 25, 2026 | Yan Andrew Y Director | Sale | 326,700 | $2.40M |
| Sep 24, 2026 | Yan Andrew Y Director | Sale | 330,000 | $2.48M |
| Jun 9, 2026 | Chen Xiaohuan Director | Purchase | 4,000 | $57.6K |
| Mar 27, 2026 | Chen Xiaohuan Director | Purchase | 190,000 | $2.45M |
| Mar 31, 2023 | Chen Xiaohuan Director | Purchase | 60,000 | $748.8K |
Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.