Qfin Holdings, Inc. Website

Qfin Holdings, Inc.

NasdaqGS-QFIN

Company Overview

Qifu Technology, Inc., together with its subsidiaries, operates credit-tech platform under the 360 Jietiao brand in the People's Republic of China. The company provides credit-driven services that matches borrowers with financial institutions to conduct customer acquisition, initial and credit screening, advanced risk assessment, credit assessment, fund matching, and other post-facilitation services; and platform services, including loan facilitation and post-facilitation services to financial institution partners under intelligence credit engine, referral services, and risk management software-as-a-service. It offers e-commerce loans, enterprise loans, and invoice loans to SME owners. It serves financial institutions, consumers, and small- and micro-enterprises. The company was formerly known as 360 DigiTech, Inc. and changed its name to Qifu Technology, Inc. in March 2023. Qifu Technology, Inc. was founded in 2016 and is headquartered in Shanghai, the People's Republic of China.

  • Name

    Qfin Holdings, Inc.

  • CEO

    Haisheng Wu

  • Website

    www.qfin.com

  • Sector

    Consumer Finance

  • Year Founded

    2016

Company Statistics

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What's happening

Nov 13, 2025 - Dec 13, 2025

Qifu Technology Inc Faces Significant Challenges Amid Regulatory Pressures

  • Disappointing third-quarter earnings results led to a notable decline in Qifu Technology Inc's stock performance.
  • CEO Haisheng Wu highlighted operational difficulties stemming from macroeconomic uncertainties and regulatory challenges.
  • QFIN underperformed relative to both the broader market and its sector peers, reflecting heightened volatility in the fintech landscape.

Over the past month, Qifu Technology Inc (QFIN) experienced a significant decline in stock performance, with an overall movement of -14.6%. This downturn was primarily influenced by disappointing third-quarter earnings announced on November 19. The company reported an earnings per share (EPS) of $1.60, which fell short of expectations and decreased from $1.76 the previous year. Although revenues increased to $731.2 million from $622.7 million year-over-year, concerns about macroeconomic uncertainties and regulatory challenges affecting liquidity in the consumer finance sector led to negative market reactions.

Following its earnings announcement, bearish sentiment surrounding QFIN intensified as CEO Haisheng Wu pointed out operational difficulties due to external factors impacting business operations. Projections for fourth-quarter net income indicated a substantial decline compared to prior years, exacerbating investor concerns and resulting in approximately a 12.5% drop during after-hours trading on that day alone.

Throughout this period, declining trading volumes were observed despite QFIN being recognized as a leader within its sector; however, competitors also faced scrutiny over compliance issues related to new regulations that added pressure on market sentiment regarding QFIN’s prospects moving forward.

In summary, during this one-month period marked by heightened volatility and negative news flow concerning regulatory impacts within China's fintech landscape, QFIN significantly underperformed relative not only to broader indices but also against its own sector peers—underperforming the Financials (XLF) sector by -17%. In comparison with the S&P 500's return of -0.2%, it is evident that QFIN’s struggles have been pronounced amid challenging market conditions.

NasdaqGS:QFIN