Qfin Holdings Inc (QFIN) FinancialsQFINQfin Holdings Inc

Evaluating the bottom line, Qfin Holdings, Inc. maintains a gross margin of 79.85%. This metric reflects the company's pricing power and manufacturing efficiency. Further down the income statement, the operating margin stands at 27.99%, while the net margin is 17.29%. These profitability ratios, combined with a Return on Equity (ROE) of 15.34%, provide a clear picture of how effectively QFIN converts its operational activities into shareholder value.

In the context of the broader market, QFIN competes directly with industry leaders such as FIGR and CACC. With a market capitalization of $691.81M, it holds a significant position in the sector. When comparing efficiency, QFIN's gross margin of 79.85% stands against FIGR's N/A and CACC's N/A. Such benchmarking helps identify whether Qfin Holdings, Inc. is trading at a premium or discount relative to its financial performance.

QFIN has reported a sharp decline in net income, with a 76.8% year-over-year drop in Q2 2026 net income to RMB 401.4 million, highlighting significant operational challenges.