Qfin Holdings, Inc.

QFINNASDAQFinancial Services● Active

$14.53

$-0.76(-4.97%)

Market Cap$1.9B

P/E Ratio—

52W High$46.18

52W Low$11.31

Avg Volume1.5M

Open$15.33

Beta0.57

Overview

Qfin Holdings, Inc. (QFIN) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

QFIN · free cash flow · updated Jun 8, 2026

Core FCF metrics

QFIN · FCF · TTM · margin & CAGR

Free cash flow was $10.84B for FY2025 (fiscal year ending 2025-12-31), up 18.0% year-over-year The FCF margin was 58.0%. Five-year CAGR stands at +15.3%.

FY2025 Free Cash Flow$10.84B▲ +18.0% YoY

Trailing 12M (TTM)$7.93Btrailing 4 quarters sum

FCF Margin58.0%$10.84B ÷ revenue

3-Year CAGR+22.5%FY2022 → FY2025

5-Year CAGR+15.3%FY2020 → FY2025

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 8, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

QFIN · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$11.08B(241M)$10.84B▲ +18.0%58.0%

FY2024$9.34B(153M)$9.19B▲ +30.7%53.5%

FY2023$7.12B(85M)$7.03B▲ +19.3%43.2%

FY2022$5.92B(27M)$5.90B▲ +2.3%35.6%

FY2021$5.79B(25M)$5.76B▲ +8.5%34.6%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

QFIN · P/FCF · FCF yield · FCF per share

Qfin Holdings, Inc. (QFIN) trades at a FCF yield of 61.79% and a price-to-free-cash-flow ratio of 0.1x. FCF per share stands at $119.01, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

61.79%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$119.01

TTM FCF ÷ Shares Outstanding

Price / FCF

x0.1

Share Price ÷ FCF per Share

EV / FCF (TTM)

x1.2

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

QFIN · cash flow statement · operating / investing / financing

For FY2025, Qfin Holdings, Inc. generated $11.08B in operating cash flow and spent 241M in capital expenditures, yielding $10.84B in free cash flow.

Operating Activities

+$11.08B

Cash from core business operations

2025-12-31

Investing Activities

−$13.08B

CapEx, acquisitions & investments

2025-12-31

Financing Activities

+$2.78B

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF ($11.08B) − |CapEx| (241M) = FCF ($10.84B)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

QFIN vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

Qfin Holdings, Inc.YOU

QFIN

$10.84B+18.0%58.0%

11%

Berkshire Hathaway Inc.

BRK-A

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

Qfin Holdings, Inc. (QFIN) reported free cash flow of $10.84B for FY2025 (fiscal year ending 2025-12-31), up 18.0% year-over-year. The FCF margin was 58.0%.

Based on available data, Qfin Holdings, Inc. has maintained positive free cash flow for at least 8 fiscal year(s). FCF peaked at $10.84B in FY2025. The 5-year CAGR stands at +15.3%.

Qfin Holdings, Inc.'s FCF yield is 61.79% and price-to-FCF ratio is 0.1x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

QFIN free cash flow · 8 questions

Qfin Holdings, Inc. free cash flow was $10.84B for FY2025, up 18.0% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $7.93B.

QFIN free cash flowQFIN FCFQFIN FCF 2025QFIN free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · Qfin Holdings, Inc. · Qfin Holdings, Inc. SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 8, 2026