Qfin Holdings, Inc.
3660.HK
Hong Kong Stock Exchange60.50
HKD
+1.80
- -
ISIN
KYG8851G1001
Return %
Stock
S&P500
1Y
-63.20
24.99
3Y
-2.81
70.19
5Y
16.91
77.45
Capital Structure
FRC
•
in mil. unless spec.Working Capital
FRC
•
in mil. unless spec.Growth Rates
FRC
•
in mil. unless spec.Quarterly Revenue
FRC
•
in mil. unless spec.Quarterly Earnings Per Share
FRC
•
in mil. unless spec.Quarterly Dividends Per Share
FRC
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in mil. unless spec.- CEO
- Haisheng Wu
- Full Time Employees
- 3,557
- Sector
- Financial Services
- Industry
- Financial - Credit Services
- Address
- ARK Mori Building 34th Floor 1-12-32 Shanghai SH People's Republic of China 200331
- IPO Date
- Nov 29, 2022
- Website
- qfin.com
- Similar Companies
- Business
- Qfin Holdings, Inc. is a leading AI-empowered Credit-Tech platform in China that connects financial institutions with consumers and small- and medium-sized enterprises seeking credit services, delivering technology-driven solutions across the loan lifecycle and generating revenue from loan facilitation fees, interest income on risk-bearing loans, and technology licensing; the company prioritizes scalable AI-driven credit assessment, multi-channel borrower sourcing, funding optimization, risk management, and post-lending operations, while expanding its platform services to diversify away from capital-heavy lending. Headquartered in Hong Kong (HKEX:3660) with a primary business focus on China’s consumer finance and SME credit markets, Qfin operates through a dual business model encompassing credit-driven services and platform services, leveraging AI models, big data analytics, and data partnerships to improve borrower identification, underwriting, and collections, and to connect financial institutions with a broad borrower base. Founding year is 2014 and headquarters are in Shenzhen, China, with a significant corporate presence in Beijing and other major Chinese cities; the company maintains partnerships with a broad network of financial institution partners and continuously develops international expansion plans, including pilot operations in select overseas markets as part of a strategic shift toward geographic diversification and global growth. Main products and services include AI-powered credit risk assessment and underwriting platforms; loan facilitation and origination services for consumer and SME borrowers; risk management and debt collection optimization solutions; data analytics and modeling services with over 2,400 models and hundreds of thousands of data dimensions; technology licensing and platform-as-a-service offerings for financial partners; integrations with multi-channel borrower sourcing, credit decisioning, and post-loan servicing tools; customer acquisition, funding optimization, and lifecycle management enhancements for lenders. Recent major changes include strategic refinements to shift from capital-heavy lending toward AI-native platform expansion; announced partnerships and alliances with financial institutions to broaden the network of lending partners; ongoing overseas market entry initiatives and execution of international pilots; and quarterly updates signaling growth in active institutional partners and consumer reach, along with a focus on credentialing and regulatory readiness for cross-border operations. In 2025–2026 the company reports continued growth in its connected borrower and partner metrics, progress in overseas market pilots, and investments in international credentials to support broader geographic expansion, while maintaining governance and compliance to support scalable, sustainable growth. These developments reflect a broader industry trend toward credit-tech ecosystems that blend underwriting technology, data-driven credit decisioning, and cross-border expansion to serve diverse financial institution clients and a growing base of credit-seeking consumers and SMEs.