Qfin Holdings

QFIN

Market cap $2.54B

Qfin Holdings, Inc. ( QFIN ) Q3 2025 Earnings Call November 18, 2025 7:30 PM EST Company Participants Karen Ji Haisheng Wu - CEO & Director Zuoli Xu - CFO & Director Conference Call Participants Chiyao Huang - Morgan Stanley, Research Division Lihan Yu - JPMorgan Chase & Co, Research Division Xiaoxiong Ye - UBS Investment Bank, Research Division Emma Xu - BofA Securities, Research Division Yun-Yin Wang - China Renaissance, Research Division Presentation Operator Ladies and gentlemen, thank you for standing by, and welcome to the Qfin Holdings Third Quarter 2025 Earnings Conference Call. [Operator Instructions] Please also note today's event is being recorded.

Qfin Holdings Inc. - Sponsored ADR (QFIN) came out with quarterly earnings of $1.52 per share, missing the Zacks Consensus Estimate of $1.68 per share. This compares to earnings of $1.74 per share a year ago.

SHANGHAI, China, Nov. 18, 2025 (GLOBE NEWSWIRE) -- Qfin Holdings, Inc. (NASDAQ: QFIN; HKEx: 3660) (“Qfin Holdings” or the “Company”), a leading AI-empowered Credit-Tech platform in China, today announced its unaudited financial results for the third quarter ended September 30, 2025.

The Undercovered Dozen series spotlights 12 lesser-known stocks highlighted in recent Seeking Alpha articles. This week's edition covers articles published between Oct. 31 and Nov. 7, offering fresh investment ideas. The series aims to inspire discussion and help investors discover overlooked opportunities in the market.

SHANGHAI, China, Nov. 06, 2025 (GLOBE NEWSWIRE) -- Qfin Holdings, Inc. (NASDAQ: QFIN; HKEx: 3660) (“Qfin Holdings” or the “Company”), a leading AI-empowered Credit-Tech platform in China, today announced that it will report its unaudited financial results for the third quarter ended September 30, 2025, after U.S. markets close on Tuesday, November 18, 2025.

Qfin Holdings stands out as a leading Chinese fintech, boasting strong financials and a robust current ratio despite macroeconomic headwinds. QFIN trades at a deep value, with a forward P/E of 3.7 and sector-beating earnings growth, making it an attractive contrarian pick. Shareholder returns are rising, with a 5.4% dividend yield and an active share repurchase program, supported by ample cash reserves.

SHANGHAI , Sept. 25, 2025 /PRNewswire/ -- September 22-30, New York, UN Headquarters.

Despite macroeconomic and regulatory headwinds, QFIN maintains industry-leading profitability and robust risk management. The big picture is intact with multiple growth drivers ahead. Efficiency gains from AI and international expansion provide clear tailwinds. After the recent selloff, QFIN now trades at only 2.6x its cash flows. A re-rating to higher multiples appears likely. Meanwhile, management continues to return significant capital to shareholders.

QFIN continues to deliver strong growth, with Q2 2025 revenue up 25% and non-GAAP net income up 31% year-over-year. The company's use of AI, ML, and big data has driven user growth, improved risk management, and reduced delinquency rates. Valuation remains highly attractive: QFIN trades at a P/E of ~4x, offers a 5% dividend yield, and is deeply discounted versus peers.

Investors looking for stocks in the Financial - Miscellaneous Services sector might want to consider either Qfin Holdings Inc. - Sponsored ADR (QFIN) or Blackstone Inc. (BX). But which of these two stocks offers value investors a better bang for their buck right now?