QFIN
360 Finance Inc
NASDAQ: QFIN · FINANCIAL SERVICES · CREDIT SERVICES
$13.08
+3.65% today
Updated 2026-04-30
Market cap
$1.54B
P/E ratio
1.96
P/S ratio
0.08x
EPS (TTM)
$6.45
Dividend yield
12.20%
52W range
$12 – $43
Volume
1.6M
360 Finance Inc (QFIN) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $3.98M | $654.33M | $3.72B | $7.17B | $13.56B | $16.64B | $16.55B | $16.29B | $17.17B | $18.68B |
| Revenue growth (YoY) | — | +16343.8% | +469.2% | +92.6% | +89.1% | +22.6% | -0.5% | -1.6% | +5.4% | +8.8% |
| Cost of revenue | $31.63M | $64.30M | $253.79M | $925.15M | $3.21B | $3.80B | $4.86B | $5.84B | $6.56B | $3.45B |
| Gross profit | $-27.65M | $590.03M | $3.47B | $6.25B | $10.36B | $12.84B | $11.70B | $10.45B | $10.60B | $15.23B |
| Gross margin | -694.8% | 90.2% | 93.2% | 87.1% | 76.4% | 77.2% | 70.7% | 64.1% | 61.8% | 81.5% |
| R&D | $0.00 | $0.00 | $0.00 | $0.00 | — | — | — | — | — | — |
| SG&A | $36.98M | $45.85M | $560.70M | $428.19M | $455.95M | $557.29M | $412.79M | $421.08M | $449.50M | — |
| Operating income | $-68.74M | $213.04M | $1.66B | $2.97B | $3.79B | $6.79B | $4.47B | $4.86B | $7.53B | $6.33B |
| Operating margin | -1727.6% | 32.6% | 44.6% | 41.4% | 27.9% | 40.8% | 27.0% | 29.8% | 43.9% | 33.9% |
| EBITDA | $-68.26M | $214.35M | $1.66B | $2.97B | $8.62B | $9.93B | $8.92B | $7.98B | $8.08B | $7.18B |
| EBITDA margin | -1715.4% | 32.8% | 44.7% | 41.5% | 63.6% | 59.7% | 53.9% | 49.0% | 47.1% | 38.4% |
| EBIT | $-68.74M | $213.04M | $1.66B | $2.97B | $8.58B | $9.86B | $8.84B | $7.91B | $8.01B | — |
| Interest expense | $0.00 | $14.44M | $71.62M | $41.71M | $41.71M | $10.03M | $77.17M | — | — | — |
| Income tax | $-19.02M | $48.18M | $466.36M | $465.98M | $586.04M | $1.26B | $736.80M | $1.01B | $1.64B | — |
| Effective tax rate | 27.7% | 22.6% | 28.1% | 15.7% | 14.4% | 17.9% | 15.5% | 19.1% | 20.8% | 0.0% |
| Net income | $-49.72M | $164.87M | $1.19B | $2.50B | $3.50B | $5.78B | $4.02B | $4.29B | $6.26B | $5.80B |
| Net income growth (YoY) | — | +431.6% | +623.8% | +109.6% | +39.8% | +65.4% | -30.4% | +6.5% | +46.2% | -7.4% |
| Profit margin | -1249.5% | 25.2% | 32.0% | 34.9% | 25.8% | 34.8% | 24.3% | 26.3% | 36.5% | 31.0% |