Stock Ratings / Financials / QFIN / financials

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Qfin Holdings Inc. (QFIN) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

Q: How profitable is Qfin Holdings Inc. (QFIN)?

In FY 2025 (10-K), QFIN converted $2.7B of revenue into a 52% gross margin, 34.8% operating margin, and $1.6B in free cash flow (57.7% FCF margin).

$5.27 -4.01% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

Qfin Holdings Inc. (QFIN) carries a Roarable Rating of C (Hold) with 65/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $641.6M

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INTERACTIVE SCENARIO DECK:

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RQD QUANT TACHOMETERHOLD / WATCH • C

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Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C- · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+3.2% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for QFIN)Realized 20D OHLCV Swing Band: ±10.1%

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How QFIN Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$1.58B (57.7% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $2.29B

FY24

Rev $2.35B

FY25

Rev $2.75B

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$2.75B	52%	34.8%	$0	$1.58B	27.2%
FY 2024	$2.35B	52%	43.9%	$0	$1.28B	30.1%
FY 2023	$2.29B	52%	29.8%	$0	$1.00B	27.2%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring QFIN)

✓Walkthrough of QFIN's RQD Radar, SEC cash-conversion gap & downside invalidation levels
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QFIN // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -59.71%▼ DESCENDING CHANNEL

2026-10-30O $5.18H $5.36L $5.10C $5.27VOL 1.72M

RES: $9.39SUP: $4.00SMA50: $7.33SMA200: $12.46

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

QFIN Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 QFIN Butterfly Map → + Track QFIN →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. +16.8% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on QFIN today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for QFIN. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for QFIN today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (QFIN)

Financials Rank #326 of 1096 ⚔️ TRON vs QFIN Full Matrix →

1. Head-to-Head Financials Peer Comparison (QFIN vs. TRON, VEL, FINV, GAIN)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Qfin Holdings Inc. (QFIN) ranks #326 by composite RQD confidence (65/100, grade C) and #652 by equity capitalization ($641.6M). Within this direct 5-issuer industry benchmark cohort, VEL leads on earnings valuation at 6.0x trailing P/E, while GAIN leads on capital efficiency and profitability with 31.0% ROIC and — gross margin. QFIN currently leads its immediate peer cohort in composite quantitative strength at 65/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
QFIN ACTIVE Qfin Holdings Inc.	C	65/100	—	—	27.2%	-4.01%	$641.6M	Benchmark Subject
TRON Tron Inc.	E	26/100	—	—	-0.9%	-11.40%	$645.2M	/tron-vs-qfin →
VEL Velocity Financial Inc.	C-	59/100	6.0x	—	15.6%	+2.44%	$629.7M	/vel-vs-qfin →
FINV FinVolution Group	C-	60/100	—	—	15.4%	+0.71%	$672.9M	/finv-vs-qfin →
GAIN Gladstone Investment Corporation Business Development Company	D	49/100	—	—	31.0%	+1.26%	$608.1M	/gain-vs-qfin →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001741530

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Qfin Holdings Inc. (QFIN) reported GAAP revenue of $2.75B (+16.8% vs. FY2024 revenue of $2.35B , and +19.7% cumulative change since FY2023) , GAAP net income of $0, operating cash flow of $1.58B, and free cash flow of $1.58B (+23.8% YoY). On the balance sheet, QFIN closed FY2025 with $8.14B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$2.75B	$0	$1.58B	$1.58B	$8.14B	—
FY2024 (FY)	2024-12-31	$2.35B	$0	$1.28B	$1.28B	$6.59B	—
FY2023 (FY)	2023-12-31	$2.29B	$0	$1.00B	$1.00B	—	—

3. QFIN Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is QFIN stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Qfin Holdings Inc. (NASDAQ: QFIN) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 65/100 at a spot price of $5.27 (-4.01% 1D, market cap $641.6M). Pillar breakdown: Fundamental Cash Engine 18/20, Institutional 13F & Options Flow 7/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 11/20. Across 1096 tracked Financials issuers, QFIN ranks #326 in composite RQD confidence.

How does QFIN compare to TRON and VEL in the Financials sector?

Within the Financials sector (Finance: Consumer Services), QFIN carries a Roarable C (65/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 27.2%. By comparison, TRON (Tron Inc.) holds a E grade (26/100 RQD, P/E N/A, ROIC -0.9%, cap $645.2M) and VEL (Velocity Financial Inc.) posts a C- grade (59/100 RQD, P/E 6.0x, ROIC 15.6%, cap $629.7M). Among the 5-stock peer group, VEL leads on earnings multiple (6.0x) while GAIN leads on capital efficiency (31.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for QFIN?

Per QFIN's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001741530), Qfin Holdings Inc. generated $2.75B in revenue (+16.8% YoY), $0 in net income, and $1.58B in free cash flow against $8.14B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is QFIN trading relative to its 50-day, 200-day, and 52-week technical levels?

QFIN last traded at $5.27 (-4.01% on volume of 2,840,496 shares), positioning the stock -28.10% below its 50-day simple moving average ($7.33) and -57.70% below its 200-day simple moving average ($12.46). Across its 52-week range of $5.10 to $24.05, QFIN sits at the 0.9% percentile with a 14-day RSI of 24.7 (OVERSOLD (<32)) and an implied next-earnings move of ±10.1% ($4.74 to $5.80).

QFIN Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

How profitable is Qfin Holdings Inc. (QFIN)?

In FY 2025 (10-K), QFIN converted $2.7B of revenue into a 52% gross margin, 34.8% operating margin, and $1.6B in free cash flow (57.7% FCF margin).

Direct Sub-Reports: QFIN RQD Cockpit QFIN 12M Forecast QFIN Earnings & Move QFIN Dividends & DRIP QFIN Insiders & 13F QFIN Whale Options QFIN Profit Sankey QFIN News & Why