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About the company
Qifu Technology Inc is an investment holding company mainly engaged in credit technology services. The Company’s services are divided into credit-driven services and platform services according to the nature of the service and the level of related credit risk. The credit-driven services match potential borrowers with financial institutions, enabling financial institutions to obtain borrowers, conduct credit evaluation, fund matching and post-loan services. The platform services include a full range of loan assistance and post-loan services under the capital-light model, intelligent marketing services, referral services, and risk management software as services (SaaS) for financial institution partners under the Intelligent Credit Engine (ICE) model.
- Revenue in USD (TTM)2.46bn
- Net income in USD960.60m
- Incorporated2018
- Employees3.53k
- LocationQifu Technology Inc7/F Lujiazui Finance PlazaNo. 1217 Dongfang Road, Pudong New AreaSHANGHAI 200122ChinaCHN
- Phone+86 2 158357668
- Websitehttps://ir.qifu.tech/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Guild Holdings Co | 1.25bn | 44.74m | 1.23bn | 5.27k | 30.84 | 1.02 | 15.01 | 0.9876 | 0.6433 | 0.6433 | 19.98 | 19.39 | 0.294 | -- | 20.60 | 237,253.70 | 1.05 | 5.26 | 1.09 | 5.51 | -- | -- | 3.56 | 15.41 | -- | 1.42 | 0.7001 | 17.50 | 39.18 | 3.01 | 349.00 | 77.09 | 20.39 | -- |
| Navient Corp | 732.00m | 56.00m | 1.46bn | 2.10k | 28.47 | 0.5669 | 58.22 | 1.99 | 0.5055 | 0.5055 | 6.81 | 25.38 | 0.0133 | -- | 13.31 | 348,571.40 | 0.1018 | 0.571 | 0.1112 | 0.6354 | 106.83 | 108.21 | 7.65 | 30.35 | -- | -- | 0.9486 | 21.99 | -31.78 | -13.57 | -42.54 | -26.17 | -- | 0.00 |
| LendingClub Corp | 824.03m | 50.75m | 1.49bn | 1.00k | 29.31 | 1.09 | 13.42 | 1.81 | 0.4446 | 0.4446 | 7.20 | 11.95 | 0.0835 | -- | -- | 822,389.30 | 0.5145 | 0.6946 | 3.51 | 2.79 | -- | -- | 6.16 | 5.13 | -- | -- | 0.8678 | 0.00 | -8.98 | -4.78 | 31.82 | -- | 1.39 | -- |
| Bread Financial Holdings Inc | 4.58bn | 285.00m | 2.90bn | 6.00k | 10.91 | 0.9666 | 7.77 | 0.6328 | 5.71 | 5.61 | 90.98 | 64.45 | 0.2051 | -- | 0.2903 | 763,833.30 | 1.28 | 1.90 | 3.12 | 4.94 | 93.00 | 91.37 | 6.22 | 10.53 | -- | 1.42 | 0.8559 | 10.38 | -3.47 | -0.1927 | -62.14 | -9.79 | -24.03 | -19.73 |
| Enova International Inc | 1.61bn | 233.97m | 2.91bn | 1.79k | 13.53 | 2.45 | 10.64 | 1.81 | 8.49 | 8.49 | 58.32 | 46.82 | 0.319 | -- | 0.3728 | 900,819.80 | 4.64 | 7.37 | 4.89 | 7.80 | -- | -- | 14.53 | 21.97 | -- | 1.94 | 0.7585 | 0.00 | 24.35 | 5.42 | 19.60 | 10.35 | 16.70 | -- |
| Nelnet Inc | 2.00bn | 189.59m | 4.36bn | 6.74k | 22.97 | 1.28 | 14.17 | 2.18 | 5.23 | 5.23 | 54.87 | 94.06 | 0.1353 | -- | 15.14 | 297,040.10 | 1.26 | 1.36 | 1.39 | 1.43 | 57.13 | 63.20 | 9.31 | 14.99 | -- | -- | 0.7478 | 13.06 | -2.24 | 3.92 | 105.26 | 5.22 | -25.73 | 8.64 |
| Qifu Technology Inc - ADR | 2.46bn | 960.60m | 5.65bn | 3.53k | 6.42 | -- | -- | 2.29 | 6.54 | 6.54 | 16.70 | -- | 0.3436 | -- | 6.95 | 698,759.30 | 13.36 | 13.34 | 20.62 | 23.70 | 83.74 | 85.30 | 38.89 | 29.65 | -- | -- | 0.2097 | 13.22 | 5.38 | 13.24 | 46.18 | 20.15 | 46.24 | -- |
| Credit Acceptance Corp | 2.23bn | 289.90m | 5.86bn | 2.43k | 21.56 | 3.47 | 18.46 | 2.63 | 23.42 | 23.42 | 180.31 | 145.64 | 0.2565 | -- | 254.34 | 915,466.90 | 3.34 | 6.58 | 3.78 | 7.82 | -- | -- | 13.03 | 25.99 | -- | 1.92 | 0.7967 | 0.00 | 13.70 | 7.75 | -13.35 | -17.69 | -41.73 | -- |
| Firstcash Holdings Inc | 3.39bn | 281.04m | 5.87bn | 20.00k | 21.20 | 2.85 | 15.24 | 1.73 | 6.25 | 6.25 | 75.27 | 46.40 | 0.7813 | 5.43 | 48.11 | 169,428.30 | 6.48 | 5.39 | 6.98 | 5.89 | 48.93 | 49.46 | 8.29 | 7.64 | 3.28 | 4.48 | 0.4534 | 27.53 | 7.51 | 12.69 | 18.02 | 9.47 | 9.02 | 7.44 |
| UWM Holdings Corp | 2.70bn | -8.01m | 6.67bn | 9.10k | -- | 40.43 | -- | 2.47 | -0.0573 | -0.0573 | 20.98 | 0.1031 | 0.2013 | -- | 23.17 | 296,920.60 | -0.7315 | 8.69 | -0.9264 | 10.83 | 88.41 | 92.86 | -3.63 | 39.82 | -- | 0.9218 | 0.8753 | 4.55 | 23.49 | 15.90 | 208.87 | -48.94 | 18.66 | -- |
| OneMain Holdings Inc | 5.87bn | 567.00m | 6.84bn | 9.00k | 12.18 | 2.09 | 8.07 | 1.17 | 4.72 | 4.72 | 48.89 | 27.50 | 0.2351 | -- | 419.21 | 652,111.10 | 2.27 | 3.51 | 2.27 | 3.54 | 79.20 | 80.55 | 9.66 | 15.63 | -- | -- | 0.8676 | 87.24 | 7.98 | 3.65 | -20.59 | -9.85 | -- | 32.73 |
| SLM Corp | 2.61bn | 605.34m | 6.95bn | 1.71k | 11.94 | 3.25 | 11.09 | 3.72 | 2.78 | 2.78 | 8.62 | 11.39 | -- | -- | -- | -- | 2.18 | 2.48 | -- | -- | -- | -- | 33.33 | 39.70 | -- | -- | -- | 11.54 | 1.03 | 2.36 | 4.67 | 0.9983 | -- | 30.83 |
| Upstart Holdings Inc | 722.11m | -66.43m | 7.38bn | 1.19k | -- | 10.90 | -- | 10.22 | -0.7474 | -0.7474 | 7.69 | 7.12 | 0.3419 | -- | 17.27 | 605,285.00 | -3.15 | -4.41 | -3.63 | -5.25 | 77.97 | 78.81 | -9.20 | -10.94 | -- | -13.71 | 0.6636 | -- | 23.94 | 31.13 | 46.45 | -- | 13.61 | -- |
Data as of Jul 18 2025. Currency figures normalised to Qifu Technology Inc's reporting currency: US Dollar USD
26.06%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Krane Funds Advisors LLCas of 31 Mar 2025 | 7.03m | 4.32% |
| OLP Capital Management Ltd.as of 31 Mar 2025 | 6.58m | 4.04% |
| Acadian Asset Management LLCas of 31 Mar 2025 | 5.58m | 3.43% |
| Morgan Stanley Investment Management, Inc.as of 31 Mar 2025 | 4.64m | 2.85% |
| Morgan Stanley Asia Ltd. (Investment Management)as of 31 Mar 2025 | 4.13m | 2.54% |
| The Vanguard Group, Inc.as of 31 Mar 2025 | 3.30m | 2.03% |
| BlackRock Fund Advisorsas of 31 Mar 2025 | 3.03m | 1.86% |
| AllianceBernstein LPas of 31 Mar 2025 | 2.90m | 1.78% |
| Greenwoods Investments SG Pte Ltd.as of 31 Mar 2025 | 2.69m | 1.65% |
| SSgA Funds Management, Inc.as of 31 Mar 2025 | 2.55m | 1.57% |
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Data from 31 Mar 2025 - 31 Mar 2025Source: FactSet Research Systems Inc.
