7Baggers

360 DigiTech, Inc
(NASDAQ:QFIN) 

QFIN stock logo

360 DigiTech, Inc., through its subsidiaries, operates a digital consumer finance platform under the 360 Jietiao brand in the People's Republic of China. Its platform provides online consumer finance products to the borrowers funded by institutional funding partners. The company also provides increm...

Founded: 2000
Full Time Employees: 1,891
CEO: Jun Xu  
Sector: Financial Services
Industry: Credit Services
Lending ServiceChineseFinancial Services
Share this website to your friends
• Market Cap:
• Exchange:
• Shs Outstanding:
• Employees:
• Beta:
• Return on Equity (ROE) ttm:
• Return on Assets (ROA) ttm:
• EPS ttm:
• Book value per Share:
• Cash per Share:
• Current ast per Share:
• P/E ttm:
• P/E forward:
• P/E ttm high:
• P/E ttm low:
• P/S ttm:
• P/B ttm:
• P/FCF ttm:
• PEG ratio:
• Cash Ratio ttm:
• Quick Ratio ttm:
• Current Ratio ttm:
• Gross Mgn ttm:
• EBITDA Mgn ttm:
• Operating Mgn ttm:
• Net Income Mgn ttm:
• Trailing Div yield:
• Forward Div yield:
• Payout Ratio ttm:
• Ex-Dividend date:
• Target Price High:
• Target Price Low:
• Target Price Mean:
• Number of Analysts:
• Debt Ratio ttm:
• Debt to Equity ttm:
• Total Net Debt:
At a glance:
Bull Thesis:
Bear Thesis:
Main Competitors:
Moat:
Income Statements:
Quarterly
Annual
    Unit: USD2025-11-19 2025-08-14 2025-05-19 2025-03-17 2024-12-31 2024-11-19 2024-08-13 2024-05-20 2024-03-12 2023-12-31 2023-11-16 2023-08-21 2023-05-18 2022-12-31 2022-11-14 2022-08-19 2022-06-30 2022-05-26 2022-03-11 2021-12-31 2021-11-16 2021-08-20 2021-05-28 2021-03-31 2020-12-31 2020-11-30 2020-08-31 2020-05-31 2020-03-31 2019-12-31 2019-11-30 2019-08-31 2019-05-31 2019-03-31 2018-12-31 
                                       
      credit driven services
    		3,868,600,000 3,565,549,000 3,110,866,000 2,889,500,000 2,889,500,000 2,901,040,000  3,016,282,000 3,248,263,000 3,248,263,000 3,070,969,000 2,788,707,000 2,630,621,000 2,776,748,000 2,941,106,000 2,947,767,000 5,868,397,000 2,920,630,000 2,713,161,000 2,713,161,000 2,619,968,000 2,404,695,000 2,451,343,000 2,557,129,000 2,557,129,000 2,955,392,000 3,081,104,000 2,810,050,000        
      loan facilitation and servicing fees-capital heavy
    		513,941,000 460,858,000 429,775,000 362,958,000 362,958,000 258,717,000  243,766,000 481,195,000 481,195,000 479,248,000 395,512,000 311,164,000 361,786,000 582,857,000 580,360,000 1,141,771,000 561,411,000 479,925,000 479,925,000 581,055,000 540,737,000 724,311,000 854,817,000 854,817,000 1,220,748,000 1,353,871,000 1,167,119,000        
      financing income
    		2,340,610,000 2,204,963,000 1,817,221,000 1,667,340,000 1,667,340,000 1,744,075,000  1,534,986,000 1,485,446,000 1,485,446,000 1,369,855,000 1,188,738,000 1,065,882,000 1,002,080,000 877,051,000 819,572,000 1,608,820,000 789,248,000 716,053,000 716,053,000 570,547,000 488,088,000 409,440,000 415,901,000 415,901,000 530,766,000 628,117,000 609,396,000 585,392,000 585,393,000 409,763,000 234,275,000 80,185,000 35,797,000  
      revenue from releasing of guarantee liabilities
    		912,827,000 805,272,000 778,222,000 761,827,000 761,827,000 794,586,000  1,166,018,000 1,211,787,000 1,211,787,000 1,165,737,000 1,158,554,000 1,209,820,000 1,377,046,000 1,447,592,000 1,524,547,000 3,074,515,000 1,549,968,000 1,494,682,000 1,494,682,000 1,440,719,000 1,352,307,000 1,295,427,000 1,251,564,000 1,251,564,000 1,172,640,000 1,076,555,000         
      other services fees
    		101,222,000 94,456,000 85,648,000 97,375,000 97,375,000 103,662,000  71,512,000 69,835,000 69,835,000 56,129,000 45,903,000 43,755,000 35,836,000 33,606,000 23,288,000 43,291,000 20,003,000 22,501,000 22,501,000 27,647,000 23,563,000 22,165,000 34,847,000 34,847,000 31,238,000 22,561,000 27,359,000        
      platform services
    		1,337,140,000 1,650,346,000 1,579,831,000 1,592,752,000 1,592,752,000 1,469,118,000  1,136,901,000 1,247,240,000 1,247,240,000 1,210,057,000 1,125,617,000 968,553,000 1,129,807,000 1,203,023,000 1,235,432,000 2,634,849,000 1,399,417,000 1,708,904,000 1,708,904,000 1,992,845,000 1,596,863,000 1,147,866,000 780,356,000 780,357,000 748,129,000 258,948,000 372,845,000        
      loan facilitation and servicing fees-capital light
    		263,097,000 326,829,000 373,709,000 515,062,000 515,062,000 574,615,000  502,715,000 696,985,000 696,985,000 863,860,000 887,830,000 765,280,000 955,561,000 1,040,210,000 1,030,024,000 2,128,955,000 1,098,931,000 1,485,268,000 1,485,268,000 1,800,071,000 1,398,713,000 993,889,000 681,090,000 681,090,000 663,354,000 178,588,000 303,622,000        
      referral services fees
    		648,116,000 986,396,000 1,004,622,000 907,207,000 907,207,000 763,115,000  548,824,000 446,486,000 446,486,000 234,190,000 160,864,000 108,476,000 93,341,000 85,381,000 135,352,000 382,650,000 247,298,000 177,428,000 177,428,000 156,295,000 160,264,000 126,330,000 78,151,000 78,151,000 68,086,000 64,497,000 54,566,000        
      total net revenue
    		5,205,740,000 5,215,895,000 4,690,697,000 4,482,252,000 4,482,252,000 4,370,158,000  4,153,183,000 4,495,503,000 4,495,503,000 4,281,026,000 3,914,324,000 3,599,174,000 3,906,555,000 4,144,129,000 4,183,199,000 8,503,246,000 4,320,047,000 4,422,065,000 4,422,065,000 4,612,813,000 4,001,558,000 3,599,209,000 3,337,485,000 3,337,486,000 3,703,521,000 3,340,052,000 3,182,895,000 2,400,881,000 2,400,881,000 2,583,039,000 2,226,948,000 2,008,979,000 1,566,463,000  
      yoy
    		16.14% 19.35%  7.92% -0.29% -2.79%  6.10% 24.90% 15.08% 3.30% -6.43% -57.67% -9.57% -6.29% -5.40% 84.34% 7.96% 22.86% 32.50% 38.21% 8.05% 7.76% 4.86% 39.01% 54.26% 29.31% 42.93% 19.51% 53.27%      
      qoq
    		-0.19% 11.20% 4.65% 0.00% 2.56%   -7.61% 0.00% 5.01% 9.37% 8.76% -7.87% -5.73% -0.93% -50.80% 96.83% -2.31% 0.00% -4.14% 15.28% 11.18% 7.84% -0.00% -9.88% 10.88% 4.94% 32.57% 0.00% -7.05% 15.99% 10.85% 28.25%   
      facilitation, origination and servicing
    		760,643,000 781,029,000 714,492,000 734,659,000 734,659,000 707,859,000  736,026,000 731,787,000 731,787,000 639,795,000 647,989,000 640,341,000 585,586,000 617,311,000 555,631,000 1,170,561,000 614,930,000 589,230,000 589,230,000 627,192,000 557,979,000 477,756,000 444,452,000            
      funding costs
    		142,787,000 142,118,000 122,657,000 126,841,000 126,841,000 146,829,000  155,963,000 161,016,000 161,016,000 160,181,000 165,225,000 159,023,000 138,343,000 138,475,000 123,862,000 227,630,000 103,768,000 91,431,000 91,431,000 83,753,000 83,164,000 79,078,000 131,351,000 131,351,000 144,596,000 161,062,000 158,614,000        
      sales and marketing
    		664,814,000 662,685,000 591,495,000 523,936,000 523,936,000 419,936,000  415,617,000 551,590,000 551,590,000 529,632,000 436,486,000 422,177,000 415,187,000 624,104,000 615,080,000 1,167,657,000 552,577,000 628,164,000 628,164,000 577,264,000 499,937,000 385,009,000 316,350,000 316,350,000 271,082,000 269,054,000 223,008,000 431,790,000 418,715,000 902,869,000 838,619,000 691,316,000 477,283,000  
      general and administrative
    		143,819,000 175,879,000 196,482,000 156,061,000 156,061,000 91,975,000  106,415,000 108,037,000 108,037,000 95,393,000 112,757,000 104,889,000 93,925,000 102,721,000 93,890,000 216,148,000 122,258,000 140,518,000 140,518,000 173,003,000 139,278,000 104,496,000 135,346,000 135,346,000 102,387,000 109,488,000 108,731,000 120,030,000 70,280,000 113,716,000 142,693,000 101,500,000 109,307,000  
      provision for loans receivable
    		837,754,000 773,849,000 823,187,000 598,353,000 598,353,000 477,541,000  847,921,000 639,886,000 639,886,000 508,990,000 483,306,000 518,864,000 481,447,000 191,542,000 416,090,000 907,317,000 491,227,000 223,133,000 223,133,000 360,399,000 246,979,000 134,908,000 105,490,000 105,490,000 67,383,000 218,569,000 307,259,000 281,182,000 281,183,000 151,010,000 37,279,000 17,519,000 8,781,000  
      provision for financial assets receivable
    		81,885,000 66,631,000 39,863,000 63,251,000 63,251,000 64,437,000  99,003,000 148,198,000 148,198,000 86,875,000 82,265,000 68,752,000 118,590,000 115,144,000 103,703,000 164,217,000 60,514,000 70,285,000 70,285,000 70,085,000 58,516,000 45,060,000 57,493,000 57,493,000 81,642,000 79,199,000 93,724,000 64,659,000 64,659,000 44,607,000 31,778,000 25,132,000 21,536,000  
      provision for accounts receivable and contract assets
    		100,867,000 79,905,000 68,445,000 77,450,000 77,450,000 108,792,000  111,473,000 91,105,000 91,105,000 39,724,000 47,206,000 -2,236,000 67,278,000 53,762,000 63,417,000 117,025,000 53,608,000 38,403,000 38,403,000 129,086,000 100,684,000 56,433,000 23,327,000 23,327,000 66,163,000 90,811,000 56,976,000 47,132,000 47,131,000 54,156,000 42,966,000 86,027,000 29,022,000  
      provision for contingent liabilities
    		773,077,000 397,614,000 159,343,000 311,372,000 311,372,000 63,635,000 87,062,000 316,664,000 784,323,000 784,323,000 831,563,000 757,590,000 680,334,000 1,062,318,000 1,142,820,000 1,200,742,000 2,162,638,000 961,896,000 1,159,325,000 1,159,325,000 698,313,000 461,910,000 758,676,000 882,334,000 882,334,000 1,190,176,000 1,018,860,000         
      total operating costs and expenses
    		3,505,646,000 3,079,710,000 2,715,964,000 2,591,923,000 2,591,923,000 2,081,004,000  2,789,082,000 3,215,942,000 3,215,942,000 2,892,153,000 2,732,824,000 2,592,144,000 2,962,674,000 2,985,879,000 3,172,415,000 6,133,193,000 2,960,778,000 2,940,489,000 2,940,489,000 2,719,095,000 2,148,447,000 2,041,416,000 2,096,143,000 2,096,143,000 2,332,122,000 2,346,809,000 2,998,722,000 2,138,666,000 2,138,667,000 1,640,669,000 1,397,321,000 1,149,599,000 871,439,000  
      income from operations
    		1,700,094,000 2,136,185,000 1,974,733,000 1,890,329,000 1,890,329,000 2,289,154,000 3,349,087,000 1,364,101,000 1,279,561,000 1,279,561,000 1,388,873,000 1,181,500,000 1,007,030,000 943,881,000 1,158,250,000 1,010,784,000 2,370,053,000 1,359,269,000 1,481,576,000 1,481,576,000 1,893,718,000 1,853,111,000 1,557,793,000 1,241,342,000 1,241,343,000 1,371,399,000 993,243,000 184,173,000 262,215,000 262,214,000 942,370,000 829,627,000 859,380,000 695,024,000  
      yoy
    		-10.06% -6.68% -41.04% 38.58% 47.73% 78.90% 141.14% 15.46% 27.06% 35.56% 19.91% 16.89% -57.51% -30.56% -21.82% -31.78% 25.15% -26.65% -4.89% 19.35% 52.55% 35.13% 56.84% 574.01% 373.41% 423.01% 5.40% -77.80% -69.49% -62.27%      
      qoq
    		-20.41% 8.18% 4.47% 0.00% -17.42% -31.65% 145.52% 6.61% 0.00% -7.87% 17.55% 17.33% 6.69% -18.51% 14.59% -57.35% 74.36% -8.26% 0.00% -21.76% 2.19% 18.96% 25.49% -0.00% -9.48% 38.07% 439.30% -29.76% 0.00% -72.18% 13.59% -3.46% 23.65%   
      operating margin %
    		32.66% 40.96% 42.10% 42.17% 42.17% 52.38% Infinity% 32.84% 28.46% 28.46% 32.44% 30.18% 27.98% 24.16% 27.95% 24.16% 27.87% 31.46% 33.50% 33.50% 41.05% 46.31% 43.28% 37.19% 37.19% 37.03% 29.74% 5.79% 10.92% 10.92% 36.48% 37.25% 42.78% 44.37%  
      interest income
    		82,616,000 73,265,000 67,774,000 74,951,000 74,951,000 66,019,000  50,058,000 46,970,000 46,970,000 49,713,000 55,854,000 64,770,000 56,294,000 57,819,000 43,771,000 68,188,000 24,417,000 16,466,000 16,466,000 26,915,000 46,491,000 36,384,000 32,568,000 32,568,000 19,623,000 15,228,000 9,750,000     3,177,000 3,557,000  
      foreign exchange gain
    		15,275,000                                   
      fair value change of derivatives
    		43,563,000 -170,407,000                                  
      other income (expense)
    		-10,253,000                                   
      income before income tax expense
    		1,831,295,000 2,172,001,000 2,220,230,000 1,932,709,000 1,932,709,000 2,356,941,000 29,667,000 1,526,209,000 1,330,925,000 1,330,925,000 1,478,102,000 1,366,311,000 1,102,113,000 1,024,814,000 1,171,513,000 1,155,259,000 2,546,045,000 1,390,786,000 1,541,547,000 1,541,547,000 1,922,676,000 1,953,185,000 1,605,299,000 1,351,908,000 1,351,909,000 1,459,039,000 1,042,725,000 228,072,000 336,606,000 336,604,000 922,440,000 791,108,000 917,135,000 699,163,000  
      income taxes expense
    		-398,834,000 -441,521,000 -423,631,000 -20,042,000 -406,066,000 -558,144,000  -366,065,000 -223,237,000 -196,409,250 -340,412,000 -272,934,000 -172,291,000 -144,972,750 -183,159,000 -180,303,000  -216,429,000 -236,240,000 -255,489,000 -358,599,000               
      net income
    		1,432,461,000 1,730,480,000 1,796,599,000 1,912,667,000 1,912,667,000 1,798,797,000 2,536,652,000 1,160,144,000 1,107,688,000 1,107,688,000 1,137,690,000 1,093,377,000 929,822,000 867,901,000 988,354,000 974,956,000 2,149,313,000 1,174,357,000 1,305,307,000 1,305,307,000 1,564,077,000 1,547,880,000 1,347,248,000 1,204,364,000 1,204,365,000 1,231,724,000 876,465,000 183,155,000 429,699,000 429,698,000 733,488,000 618,179,000 719,939,000 594,730,000  
      yoy
    		-25.11% -3.80% -29.17% 64.86% 72.67% 62.39% 122.97% 6.11% 19.13% 27.63% 15.11% 12.15% -56.74% -26.10% -24.28% -25.31% 37.42% -24.13% -3.11% 8.38% 29.87% 25.67% 53.71% 557.57% 180.28% 186.65% 19.49% -70.37% -40.31% -27.75%      
      qoq
    		-17.22% -3.68% -6.07% 0.00% 6.33% -29.09% 118.65% 4.74% 0.00% -2.64% 4.05% 17.59% 7.13% -12.19% 1.37% -54.64% 83.02% -10.03% 0.00% -16.54% 1.05% 14.89% 11.86% -0.00% -2.22% 40.53% 378.54% -57.38% 0.00% -41.42% 18.65% -14.13% 21.05%   
      net income margin %
    		27.52% 33.18% 38.30% 42.67% 42.67% 41.16% Infinity% 27.93% 24.64% 24.64% 26.58% 27.93% 25.83% 22.22% 23.85% 23.31% 25.28% 27.18% 29.52% 29.52% 33.91% 38.68% 37.43% 36.09% 36.09% 33.26% 26.24% 5.75% 17.90% 17.90% 28.40% 27.76% 35.84% 37.97%  
      net loss attributable to noncontrolling interests
    		3,512,000 3,514,000 3,576,000 3,970,000 3,057,000 4,065,000  4,143,000 4,052,000 3,176,750 4,357,000 4,063,000  3,626,250 4,481,000 4,883,000  5,141,000 17,254,000 -10,500  -235,000 193,000 444,000 113,250 151,000 49,000 253,000        
      net income attributable to ordinary shareholders of the company
    		1,435,973,000 1,733,994,000 1,800,175,000 1,916,637,000 1,916,637,000 1,802,862,000  1,164,287,000 1,111,740,000 1,111,740,000 1,142,047,000 1,097,440,000 934,109,000 872,001,000 992,835,000 979,839,000 2,159,337,000 1,179,498,000 1,322,561,000 1,322,561,000 1,564,077,000 1,547,645,000 1,347,441,000 1,204,808,000 1,204,809,000 1,231,875,000 876,514,000 183,408,000 429,917,000 429,916,000 733,561,000 618,179,000 719,939,000 594,730,000  
      net income per ordinary share attributable to ordinary shareholders of qfin holdings, inc.
    		                                   
      basic
    		5,480 6,520 6,410 6,700 6,630 6,200  3,730 3,510 3,510 3,560 3,400 2,890 2,750 3,180 3,140 6,940 3,800 4,280 4,280 5,080 5,040 4,420 3,970 3,990 4,100 2,960 620  1,460 2,550 2,150 2,500 2,100  
      diluted
    		5,400 6,380 6,310 6,620 6,530 6,090  3,650 3,440 3,430 3,470 3,320 2,820 2,690 3,090 3,060 6,740 3,680 4,110 4,100 4,870 4,810 4,220 3,860 3,900 3,990 2,880 610  1,430 2,450 2,040 2,400 1,980  
      net income per ads attributable to ordinary shareholders of qfin holdings, inc.
    		                                   
      weighted-average shares used for eps calculation
    		                                   
      basic
    		261,942,550,000 265,842,311,000 280,958,513,000 285,872,913,000 298,012,150,000 290,601,938,000  312,027,192,000 316,325,750,000 320,749,805,000 320,789,494,000 323,095,877,000 322,859,462,000 312,589,273,000 312,481,135,000 311,615,233,000 311,109,257,000 310,597,659,000 309,132,813,000 307,265,600,000 308,110,677,000 306,879,800,000 304,883,875,000 303,298,903,000 298,222,207,000 300,174,655,000 295,737,611,000 293,592,210,000 291,911,903,000 288,827,604,000 288,054,825,000 287,652,707,000 287,652,707,000 215,819,991,000  
      diluted
    		266,095,625,000 271,838,718,000 285,237,588,000 289,427,077,000 303,449,864,000 296,205,651,000  318,915,157,000 323,305,948,000 328,508,945,000 329,220,827,000 330,918,585,000 331,219,266,000 322,018,510,000 321,521,765,000 319,874,351,000 320,251,194,000 320,913,400,000 321,634,368,000 321,397,753,000 321,368,936,000 321,969,767,000 319,419,632,000 312,423,549,000 306,665,099,000 308,646,862,000 304,583,237,000 301,626,149,000 299,691,958,000 300,938,470,000 299,107,729,000 303,477,406,000 300,042,315,000 228,163,518,000  
      foreign exchange gain
    		 108,449,000 2,123,000 2,680,000 2,680,000 -1,410,000  82,000 -815,000 -815,000 -659,000 -2,319,000 6,149,000 -4,984,000 -68,583,000 -91,610,000 -86,658,000 4,952,000 17,652,000 17,652,000 4,002,000 21,886,000 -7,992,000 62,013,000 62,013,000 63,408,000 4,685,000  42,646,000    32,536,000 582,000  
      other income
    		 24,509,000 175,600,000 -35,251,000 -35,251,000 3,178,000  111,968,000 5,209,000 5,209,000 40,175,000 161,388,000 24,164,000 40,515,000 24,027,000 196,410,000 203,458,000 7,048,000 25,853,000   31,697,000 19,114,000 15,985,000 15,985,000 4,609,000 29,569,000 62,721,000 45,974,000 45,973,000 70,409,000 1,854,000 22,042,000   
      net income per ordinary share attributable to ordinary shareholders of qifu technology, inc.
    		                                   
      basic
    		5,480 6,520 6,410 6,700 6,630 6,200  3,730 3,510 3,510 3,560 3,400 2,890 2,750 3,180 3,140 6,940 3,800 4,280 4,280 5,080 5,040 4,420 3,970 3,990 4,100 2,960 620  1,460 2,550 2,150 2,500 2,100  
      diluted
    		5,400 6,380 6,310 6,620 6,530 6,090  3,650 3,440 3,430 3,470 3,320 2,820 2,690 3,090 3,060 6,740 3,680 4,110 4,100 4,870 4,810 4,220 3,860 3,900 3,990 2,880 610  1,430 2,450 2,040 2,400 1,980  
      net income per ads attributable to ordinary shareholders of qifu technology, inc.
    		                                   
      investment loss
    		         -7,528,000  -30,112,000    -4,096,000 -8,996,000 -4,900,000                  
      reconciliation of non-gaap net income to net income
    		                                   
      add: share-based compensation expenses
    		      81,554,000                             
      non-gaap net income
    		      2,618,206,000                             
      gaap net income margin
    		      30,500                             
      non-gaap net income margin
    		      31,500                             
      net income attributable to shareholders of qifu technology, inc.
    		      2,544,815,000                             
      non-gaap net income attributable to shareholders of qifu technology, inc.
    		      2,626,369,000                             
      weighted-average ads used in calculating net income per ordinary share for both gaap and non-gaap eps - diluted
    		      157,122,212,000                             
      net income per ads attributable to ordinary shareholders of qifu technology, inc. - diluted
    		      16,200                             
      non-gaap net income per ads attributable to ordinary shareholders of qifu technology, inc. - diluted
    		      16,720                             
      reconciliation of non-gaap income from operations to income from operations
    		                                   
      non-gaap income from operations
    		      3,430,641,000                             
      gaap operating margin
    		      40,300                             
      non-gaap operating margin
    		      41,300                             
      condensed consolidated statement of operations
    		                                   
      revenue, net of value-added tax and related surcharges:
    		                                   
      operating costs and expenses:
    		                                   
      income tax expense
    		                -396,732,000                   
      net income attributable to ordinary shareholders of the company
    		      25,217,000                             
      net loss attributable to non-controlling interests
    		            4,287,000    10,024,000                   
      investment gain
    		             -2,249,000      2,528,750 10,115,000               
      net income per ordinary share attributable to ordinary shareholders of 360 digitech, inc.
    		                                   
      basic
    		5,480 6,520 6,410 6,700 6,630 6,200  3,730 3,510 3,510 3,560 3,400 2,890 2,750 3,180 3,140 6,940 3,800 4,280 4,280 5,080 5,040 4,420 3,970 3,990 4,100 2,960 620  1,460 2,550 2,150 2,500 2,100  
      diluted
    		5,400 6,380 6,310 6,620 6,530 6,090  3,650 3,440 3,430 3,470 3,320 2,820 2,690 3,090 3,060 6,740 3,680 4,110 4,100 4,870 4,810 4,220 3,860 3,900 3,990 2,880 610  1,430 2,450 2,040 2,400 1,980  
      net income per ads attributable to ordinary shareholders of 360 digitech, inc.
    		                                   
      ​
    		                                   
      revenue, net of value-added tax and related surcharges:
    		                                   
      deemed dividend
    		                                   
      net income per ordinary share attributable to ordinary shareholders of 360 digitech,inc.
    		                                   
      basic
    		5,480 6,520 6,410 6,700 6,630 6,200  3,730 3,510 3,510 3,560 3,400 2,890 2,750 3,180 3,140 6,940 3,800 4,280 4,280 5,080 5,040 4,420 3,970 3,990 4,100 2,960 620  1,460 2,550 2,150 2,500 2,100  
      diluted
    		5,400 6,380 6,310 6,620 6,530 6,090  3,650 3,440 3,430 3,470 3,320 2,820 2,690 3,090 3,060 6,740 3,680 4,110 4,100 4,870 4,810 4,220 3,860 3,900 3,990 2,880 610  1,430 2,450 2,040 2,400 1,980  
      net income per ads attributable to ordinary shareholders of 360 digitech,inc.
    		                                   
      other income(expenses)
    		                   9,684,250 -12,074,000               
      rmb
    		                                   
      income taxes benefit
    		                     -405,305,000 -258,051,000      93,093,000       
      expense on guarantee liabilities
    		                            734,730,000       
      origination and servicing
    		                        289,028,000 408,693,000 399,766,000 347,653,000 459,143,000 176,970,000 374,311,000 303,986,000 228,105,000 225,511,000  
      net income per ordinary share attributable to ordinary shareholders of 360 finance, inc.
    		                                   
      basic
    		5,480 6,520 6,410 6,700 6,630 6,200  3,730 3,510 3,510 3,560 3,400 2,890 2,750 3,180 3,140 6,940 3,800 4,280 4,280 5,080 5,040 4,420 3,970 3,990 4,100 2,960 620  1,460 2,550 2,150 2,500 2,100  
      diluted
    		5,400 6,380 6,310 6,620 6,530 6,090  3,650 3,440 3,430 3,470 3,320 2,820 2,690 3,090 3,060 6,740 3,680 4,110 4,100 4,870 4,810 4,220 3,860 3,900 3,990 2,880 610  1,430 2,450 2,040 2,400 1,980  
      net income per ads attributable to ordinary shareholders of 360 finance, inc.
    		                                   
      revenue from releasing of guarantee liabilities *
    		                           1,006,176,000        
      provision for contingent liabilities *
    		                           1,702,757,000        
      revenue from loan facilitation services
    		                            1,103,948,000 991,333,750 1,318,164,000 1,293,100,000 1,354,071,000 1,068,558,000  
      revenue from post-origination services
    		                            524,078,000 373,588,250 573,194,000 500,402,000 420,757,000 361,106,000  
      other service fee revenues
    		                            187,463,000 158,763,750 281,918,000 199,171,000 153,966,000 101,002,000  
      net (loss) income attributable to noncontrolling interests
    		                                   
      net income (loss) per ordinary share attributable to ordinary shareholders of 360 finance, inc.
    		                                   
      basic
    		                            1,470       
      diluted
    		                            1,430       
      foreign exchange loss
    		                                   
      net (loss) attributable to noncontrolling interests
    		                                   
    Balance Sheets:
    Quarterly
    Annual
      Unit: USD2025-11-19 2025-08-14 2025-05-19 2025-03-25 2025-03-17 2024-12-31 2024-11-19 2024-08-13 2024-05-20 2024-04-26 2024-03-12 2023-12-31 2023-11-16 2023-08-21 2023-05-18 2023-04-27 2022-12-31 2022-11-14 2022-08-19 2022-06-30 2022-05-26 2022-03-11 2021-12-31 2021-11-16 2021-08-20 2021-05-28 2021-03-31 2020-12-31 2020-11-30 2020-08-31 2020-05-31 2020-03-31 2019-12-31 2019-11-30 2019-08-31 2019-05-31 2019-03-31 2018-12-31 
                                            
        assets
      		                                      
        current assets:
      		                                      
        cash and cash equivalents
      		6,523,574,000 5,287,926,000 8,578,822,000  4,452,416,000 4,452,416,000 4,288,460,000 6,337,134,000 5,301,288,000  4,177,890,000 4,177,890,000 4,938,298,000 5,256,375,000 5,128,335,000  7,165,584,000  6,965,238,000 6,965,238,000 6,176,429,000 6,116,360,000 6,116,360,000 4,224,320,000 5,191,999,000 5,974,026,000 4,418,416,000 4,418,416,000 4,821,031,000 3,823,221,000 3,616,553,000 2,108,123,000 2,108,123,000 1,844,413,000 1,827,758,000 1,281,091,000 1,445,802,000 1,445,802,000 
        restricted cash
      		3,101,567,000 2,924,500,000 3,236,427,000  2,353,384,000 2,353,384,000 2,253,397,000 2,035,180,000 2,855,305,000  3,381,107,000 3,381,107,000 3,067,100,000 3,058,166,000 3,617,009,000  3,346,779,000  3,764,988,000 3,764,988,000 2,634,684,000 2,643,587,000 2,643,587,000 2,413,510,000 2,644,701,000 2,281,046,000 2,355,850,000 2,355,850,000 2,400,617,000 2,920,013,000 2,279,043,000 1,727,727,000 1,727,727,000 1,429,251,000 1,297,091,000 1,055,940,000 567,794,000 567,794,000 
        short term investments
      		4,398,748,000 4,904,581,000 2,040,269,000  3,394,073,000 3,394,073,000 3,120,158,000 291,154,000 15,000,000  15,000,000 15,000,000  247,539,000 236,028,000  57,000,000                      
        security deposit prepaid to third-party guarantee companies
      		321,277,000 223,177,000 173,437,000  162,617,000 162,617,000 108,670,000 114,832,000 166,622,000  207,071,000 207,071,000 192,037,000 210,362,000 276,728,000  396,699,000  698,478,000 698,478,000 942,749,000 874,886,000 874,886,000 935,441,000 960,992,000 980,182,000 915,144,000 915,144,000 654,633,000 694,882,000 955,805,000 932,983,000 932,983,000 1,078,862,000 1,072,705,000 1,027,700,000 795,700,000 795,700,000 
        funds receivable from third party payment service providers
      		487,130,000 353,931,000 347,416,000  462,112,000 462,112,000 771,847,000 1,769,599,000 1,218,797,000  1,603,419,000 1,603,419,000 1,664,417,000 1,183,720,000 1,005,578,000  1,158,781,000  312,447,000 312,447,000 194,462,000 153,151,000 153,151,000 207,867,000 107,430,000 89,345,000 131,464,000 131,464,000 149,436,000 239,870,000 148,455,000 118,860,000 118,860,000 149,762,000 1,175,271,000 317,153,000 142,622,000 142,622,000 
        accounts receivable
      		1,993,631,000 2,318,783,000 2,316,593,000  2,214,530,000 2,214,530,000 2,183,030,000 2,102,292,000 2,777,867,000  2,909,245,000 2,909,245,000 2,842,438,000 2,808,531,000 2,837,580,000  2,868,625,000 298,161,000 3,499,385,000 3,499,385,000 3,103,366,000 3,097,254,000 3,097,254,000 2,084,544,000 2,161,313,000 2,343,299,000 2,394,528,000 2,394,528,000 2,225,995,000 1,879,332,000 2,050,353,000 2,332,364,000 2,332,364,000 2,740,005,000 2,526,816,000 2,545,600,000 1,791,745,000 1,791,745,000 
        financial assets receivable
      		1,898,621,000 1,630,038,000 1,530,084,000 2,522,543,000 1,553,912,000 1,553,912,000 1,410,934,000 1,528,003,000 1,890,151,000 2,982,076,000 2,522,543,000 2,522,543,000 2,716,113,000 2,746,010,000 2,770,054,000 3,806,243,000 2,982,076,000  3,618,560,000 3,618,560,000 3,797,275,000 3,806,243,000 3,806,243,000 4,277,470,000 4,066,901,000 3,802,989,000 3,565,482,000 3,565,482,000 3,023,254,000 2,560,544,000 2,438,878,000 1,912,554,000 1,912,554,000 1,802,780,000 1,676,132,000 1,377,145,000 1,193,621,000 1,193,621,000 
        amounts due from related parties
      		2,708,000 2,761,000 3,242,000 45,346,000 8,510,000 8,510,000 17,124,000 31,459,000 25,253,000 394,872,000 45,346,000 45,346,000 67,312,000 187,938,000 160,218,000  394,872,000 72,245,000 733,386,000 733,386,000 907,767,000 837,324,000 837,324,000 1,205,662,000 927,464,000 448,468,000 193,305,000 193,305,000 244,687,000 291,262,000 345,561,000 478,767,000 478,767,000 763,943,000 591,325,000 697,178,000 484,286,000 484,286,000 
        loans receivable
      		35,150,170,000 34,927,339,000 30,675,633,000 24,604,487,000 26,714,428,000 26,714,428,000 26,317,013,000 26,722,713,000 27,060,541,000 15,347,662,000 24,604,487,000 24,604,487,000 23,469,654,000 21,430,147,000 18,617,876,000 9,844,481,000 15,347,662,000  10,850,458,000 10,850,458,000 11,213,633,000 9,844,481,000 9,844,481,000 9,924,346,000 8,283,703,000 7,307,272,000 7,500,629,000 7,500,629,000 8,164,168,000 9,261,127,000 8,668,981,000 9,239,565,000 9,239,565,000 7,969,621,000 4,691,458,000 1,936,819,000 811,433,000 811,433,000 
        prepaid expenses and other assets
      		1,669,105,000 1,561,791,000 1,510,818,000  1,464,586,000 1,464,586,000 1,188,059,000 483,391,000 505,508,000  329,920,000 329,920,000 1,052,436,000 428,973,000 369,159,000  379,388,000  364,908,000 364,908,000 446,632,000 383,937,000 383,937,000 319,565,000 317,154,000 410,349,000 401,224,000 401,224,000 457,484,000 502,935,000 553,621,000 676,723,000 652,545,000 685,258,000 367,856,000 239,283,000 109,016,000 109,016,000 
        total current assets
      		55,546,531,000 54,134,827,000 50,412,741,000 39,796,028,000 42,780,568,000 42,780,568,000 41,658,692,000 41,415,757,000 41,816,332,000 34,097,466,000 39,796,028,000 39,796,028,000 40,009,805,000 37,557,761,000 35,018,565,000 27,757,223,000 34,097,466,000  30,807,848,000 30,807,848,000 29,416,997,000 27,757,223,000 27,757,223,000 25,592,725,000 24,661,657,000 23,636,976,000 21,876,042,000 21,876,042,000 22,141,305,000 22,173,186,000 21,057,250,000 19,527,666,000 19,503,488,000 18,463,895,000 15,226,412,000 10,477,909,000 7,342,019,000 7,342,019,000 
        non-current assets:
      		                                      
        financial assets receivable, net-noncurrent
      		268,942,000 213,939,000 189,379,000 596,330,000 170,779,000 170,779,000 193,252,000 232,571,000 391,099,000 688,843,000 596,330,000 596,330,000    597,965,000 688,843,000   683,078,000   597,965,000     645,326,000     59,270,000      
        loans receivable, net-noncurrent
      		2,455,702,000 2,507,609,000 2,314,826,000 2,898,005,000 2,537,749,000 2,537,749,000 2,743,839,000 2,859,871,000 2,692,041,000 3,136,994,000 2,898,005,000 2,898,005,000    2,859,349,000 3,136,994,000   3,657,879,000   2,859,349,000     87,685,000           
        property and equipment
      		575,732,000 496,825,000 405,926,000  362,774,000 362,774,000 331,200,000 299,627,000 256,724,000  231,221,000 231,221,000 148,285,000 106,719,000 76,112,000  47,602,000 25,170,000 20,487,000 20,487,000 22,992,000 24,941,000 24,941,000 20,374,000 18,965,000 19,564,000 19,360,000 19,360,000 20,706,000 20,795,000 16,141,000 17,113,000 17,113,000 16,769,000 14,062,000 6,285,000 6,869,000 6,869,000 
        land use rights
      		971,653,000 946,376,000 951,557,000   956,738,000 961,919,000 967,100,000 972,280,000   977,461,000     998,185,000 1,003,366,000  1,008,548,000   1,018,908,000                
        intangible assets
      		10,656,000 11,023,000 11,420,000  11,818,000 11,818,000 11,828,000 12,306,000 12,899,000  13,443,000 13,443,000 13,567,000 4,718,000 5,090,000  4,696,000 4,835,000 5,231,000 5,231,000 6,066,000 4,961,000 4,961,000 4,020,000 4,814,000 3,761,000 3,403,000 3,403,000 3,547,000 2,997,000 3,230,000 3,512,000 3,512,000 3,794,000 1,651,000 774,000 847,000 847,000 
        goodwill
      		45,221,000 42,392,000 42,407,000  42,414,000 42,414,000 42,368,000 41,210,000 41,210,000  41,210,000 41,210,000 41,210,000                          
        deferred tax assets
      		1,407,548,000 1,289,151,000 1,244,757,000 1,067,738,000 1,206,325,000 1,206,325,000 964,505,000 1,050,308,000 1,106,355,000 1,019,171,000 1,067,738,000 1,067,738,000 1,181,488,000 1,097,504,000 1,124,813,000 834,717,000 1,019,171,000 1,170,598,000 1,059,963,000 1,059,963,000 920,706,000 834,717,000 834,717,000 1,159,367,000 1,026,681,000 1,487,501,000 1,398,562,000 1,398,562,000 1,150,562,000 1,048,321,000 1,343,781,000 697,348,000 697,348,000 163,132,000     
        other non-current assets
      		143,262,000 96,667,000 34,112,000  36,270,000 36,270,000 45,852,000 52,528,000 56,448,000  45,901,000 45,901,000 53,021,000 59,069,000 65,227,000  55,658,000 64,702,000 76,030,000 76,030,000 72,169,000 42,606,000 42,606,000 31,494,000 41,048,000 39,219,000 48,990,000 48,990,000 54,766,000 61,877,000 57,277,000  55,362,000      
        total non-current assets
      		5,902,534,000 5,620,124,000 5,214,427,000 6,022,544,000 5,352,050,000 5,352,050,000 5,329,823,000 5,567,292,000 5,610,186,000 6,245,704,000 6,022,544,000 6,022,544,000 6,029,265,000 5,844,352,000 5,860,801,000 5,747,772,000 6,245,704,000 6,684,555,000 6,858,260,000 6,858,260,000 6,432,720,000 5,747,772,000 5,747,772,000 5,292,318,000 3,584,072,000 2,998,063,000 2,511,263,000 2,511,263,000 2,096,155,000 1,807,582,000 1,769,562,000 827,935,000 852,113,000 213,779,000 16,343,000 7,059,000 7,716,000 7,716,000 
        total assets
      		61,449,065,000 59,754,951,000 55,627,168,000 45,818,572,000 48,132,618,000 48,132,618,000 46,988,515,000 46,983,049,000 47,426,518,000 40,343,170,000 45,818,572,000 45,818,572,000 46,039,070,000 43,402,113,000 40,879,366,000 33,504,995,000 40,343,170,000  37,666,108,000 37,666,108,000 35,849,717,000 33,504,995,000 33,504,995,000 30,885,043,000 28,245,729,000 26,635,039,000 24,387,305,000 24,387,305,000 24,237,460,000 23,980,768,000 22,826,812,000 20,355,601,000 20,355,601,000 18,677,674,000 15,242,755,000 10,484,968,000 7,349,735,000 7,349,735,000 
        liabilities and equity
      		                                      
        current liabilities:
      		                                      
        payable to investors of the consolidated trusts-current
      		8,677,601,000 5,894,433,000 6,541,069,000  8,188,454,000 8,188,454,000 7,643,597,000 8,361,576,000 9,633,321,000  8,942,291,000 8,942,291,000 6,938,377,000 5,965,297,000 8,020,043,000  6,099,520,000  5,224,973,000 5,224,973,000 2,638,903,000 2,304,518,000 2,304,518,000 2,443,789,000 2,914,748,000 2,603,897,000 3,117,634,000 3,117,634,000 3,498,751,000 4,893,594,000 4,948,812,000 4,423,717,000 4,423,717,000 3,839,285,000 2,334,074,000 1,355,973,000   
        accrued expenses and other current liabilities
      		2,883,282,000 2,799,439,000 3,337,707,000  2,492,921,000 2,492,921,000 2,678,610,000 2,133,772,000 2,537,055,000  2,016,039,000 2,016,039,000 2,674,368,000 1,755,914,000 1,783,098,000  2,004,551,000 2,267,693,000 2,117,357,000 2,117,357,000 2,233,599,000 2,258,329,000 2,258,329,000 1,509,554,000 1,181,876,000 1,084,153,000 809,761,000 809,761,000 829,935,000 1,072,941,000 811,497,000 720,918,000 720,918,000 921,741,000 1,738,644,000 654,245,000 518,955,000 518,955,000 
        amounts due to related parties
      		83,035,000 92,351,000 48,442,000  67,495,000 67,495,000 38,780,000 41,604,000 41,974,000  80,376,000 80,376,000 152,740,000 105,383,000 115,020,000  113,697,000 203,324,000 178,687,000 178,687,000 171,675,000 214,057,000 214,057,000 122,028,000 83,036,000 98,850,000 71,562,000 71,562,000 53,794,000 66,056,000 80,311,000 55,622,000 55,622,000 54,393,000 165,074,000 381,190,000 78,767,000 78,767,000 
        short term loans
      		1,491,757,000 1,463,522,000 1,219,431,000  1,369,939,000 1,369,939,000 1,043,404,000 1,058,586,000 683,804,000  798,586,000 798,586,000 756,278,000 260,000,000 150,000,000  150,000,000 639,764,000 611,164,000 611,164,000 586,461,000 397,576,000 397,576,000 335,892,000 336,273,000 231,898,000 186,800,000 186,800,000 184,870,000 188,314,000 435,000,000 200,000,000 200,000,000 1,535,000,000 1,435,000,000    
        guarantee liabilities-stand ready
      		2,780,477,000 2,481,731,000 2,377,408,000 3,949,601,000 2,383,202,000 2,383,202,000 2,266,859,000 2,467,554,000 3,198,783,000 4,120,346,000 3,949,601,000 3,949,601,000 3,981,851,000 3,851,692,000 3,914,717,000 4,818,144,000 4,120,346,000  4,538,963,000 4,538,963,000 4,738,371,000 4,818,144,000 4,818,144,000 4,656,051,000 4,517,620,000 4,318,247,000 4,173,497,000 4,173,497,000 3,647,546,000 3,098,504,000         
        guarantee liabilities-contingent
      		2,214,073,000 1,895,076,000 1,794,747,000 3,207,264,000 1,820,350,000 1,820,350,000 1,654,924,000 1,887,777,000 2,676,826,000 3,418,391,000 3,207,264,000 3,207,264,000 3,352,336,000 3,306,712,000 3,273,119,000 3,285,081,000 3,418,391,000  3,320,414,000 3,320,414,000 3,257,577,000 3,285,081,000 3,285,081,000 3,142,158,000 3,248,496,000 3,583,032,000 3,543,454,000 3,543,454,000 3,525,452,000 3,072,975,000         
        income tax payable
      		771,700,000 885,592,000 1,054,537,000  1,040,687,000 1,040,687,000 839,403,000 816,169,000 848,222,000  742,210,000 742,210,000 1,010,478,000 796,928,000 778,408,000  661,015,000 683,342,000 654,347,000 654,347,000 697,278,000 624,112,000 624,112,000 991,645,000 876,932,000 1,232,439,000 1,227,314,000 1,227,314,000 935,778,000 767,271,000 1,294,401,000 1,056,219,000 1,056,219,000 806,312,000 556,828,000 510,244,000 432,066,000 432,066,000 
        other tax payable
      		22,006,000 56,427,000 3,897,000 163,252,000 109,161,000 109,161,000 93,753,000 116,590,000 145,701,000 182,398,000 163,252,000 163,252,000 129,555,000 144,361,000 142,375,000 241,369,000 182,398,000 186,270,000 177,611,000 177,611,000 308,535,000 241,369,000 241,369,000 293,501,000 248,737,000 308,880,000 254,486,000 254,486,000 156,614,000 131,548,000 190,001,000 263,856,000 263,856,000 244,194,000 252,988,000 213,513,000 164,478,000 164,478,000 
        total current liabilities
      		18,923,931,000 15,568,571,000 16,377,238,000 19,899,619,000 17,472,209,000 17,472,209,000 16,259,330,000 16,883,628,000 19,765,686,000 16,749,918,000 19,899,619,000 19,899,619,000 18,995,983,000 16,186,287,000 18,176,780,000 14,143,186,000 16,749,918,000 17,942,932,000 16,823,516,000 16,823,516,000 14,632,399,000 14,143,186,000 14,143,186,000 13,494,618,000 13,407,718,000 13,461,396,000 13,384,508,000 13,384,508,000 12,832,740,000 13,291,203,000 13,649,028,000 9,667,187,000 9,667,187,000 9,739,644,000 8,546,561,000 4,939,920,000 2,893,781,000  
        non-current liabilities:
      		                                      
        deferred tax liabilities
      		741,558,000 588,634,000 569,734,000 224,823,000 439,435,000 439,435,000 503,675,000 453,808,000 193,892,000 100,835,000 224,823,000 224,823,000 117,173,000 122,347,000 114,579,000 121,426,000 100,835,000 196,517,000 173,777,000 173,777,000 146,244,000 121,426,000 121,426,000 108,269,000 98,777,000 152,290,000 37,843,000 37,843,000 14,825,000 18,177,000 4,462,000    12,629,000 80,082,000 15,758,000 15,758,000 
        payable to investors of the consolidated trusts-noncurrent
      		12,049,800,000 14,106,000,000 10,354,000,000  5,719,600,000 5,719,600,000 7,093,800,000 6,841,600,000 5,154,600,000  3,581,800,000 3,581,800,000 5,697,700,000 6,146,000,000 2,814,500,000  4,521,600,000  3,613,690,000 3,613,690,000 4,858,799,000 4,010,597,000 4,010,597,000 3,155,386,000 2,239,372,000 2,118,969,000 1,468,890,000 1,468,890,000 3,138,526,000 3,634,829,000 3,072,067,000 3,442,500,000 3,442,500,000 2,194,000,000 765,400,000 276,000,000   
        convertible senior notes
      		4,834,624,000 4,857,243,000 4,912,524,000                                    
        other long-term liabilities
      		596,975,000 527,042,000 297,730,000  255,155,000 255,155,000 232,290,000 171,034,000 171,128,000  102,473,000 102,473,000 98,574,000 61,912,000 46,176,000  39,520,000 31,067,000 34,147,000 34,147,000 32,046,000 13,177,000 13,177,000 9,945,000 12,605,000 8,280,000 14,974,000 14,974,000 20,544,000 28,030,000 31,309,000 31,184,000 31,184,000      
        total non-current liabilities
      		18,222,957,000 20,078,919,000 16,133,988,000 3,909,096,000 6,414,190,000 6,414,190,000 7,829,765,000 7,466,442,000 5,519,620,000 4,661,955,000 3,909,096,000 3,909,096,000 5,913,447,000 6,330,259,000 2,975,255,000 4,145,200,000 4,661,955,000 4,029,932,000 3,821,614,000 3,821,614,000 5,037,089,000 4,145,200,000 4,145,200,000 3,273,600,000 2,350,754,000 2,279,539,000 1,521,707,000 1,521,707,000 3,173,895,000 3,681,036,000 3,107,838,000 3,473,684,000 3,473,684,000 2,194,000,000 778,029,000 356,082,000 15,758,000  
        total liabilities
      		37,146,888,000 35,647,490,000 32,511,226,000 23,808,715,000 23,886,399,000 23,886,399,000 24,089,095,000 24,350,070,000 25,285,306,000 21,411,873,000 23,808,715,000 23,808,715,000 24,909,430,000 22,516,546,000 21,152,035,000 18,288,386,000 21,411,873,000  20,645,130,000 20,645,130,000 19,669,488,000 18,288,386,000 18,288,386,000 16,768,218,000 15,758,472,000 15,740,935,000 14,906,215,000 14,906,215,000 16,006,635,000 16,972,239,000 16,756,866,000 13,140,871,000 13,140,871,000 11,933,644,000 9,324,590,000 5,296,002,000 2,909,539,000 2,909,539,000 
        total qfin holdings, inc equity
      		24,256,604,000                                      
        noncontrolling interests
      		45,573,000 49,085,000 52,598,000  56,176,000  60,146,000 64,211,000 68,231,000  72,374,000  76,426,000            554,000              
        total equity
      		24,302,177,000 24,107,461,000 23,115,942,000 22,009,857,000 24,246,219,000 24,246,219,000 22,899,420,000 22,632,979,000 22,141,212,000 18,931,297,000 22,009,857,000 22,009,857,000 21,129,640,000 20,885,567,000 19,727,331,000 15,216,609,000 18,931,297,000 17,989,513,000 17,020,978,000 17,020,978,000 16,180,229,000 15,216,609,000 15,216,609,000 14,116,825,000 12,487,257,000 10,894,104,000 9,481,090,000 9,481,090,000 8,230,825,000 7,008,529,000 6,069,946,000 7,214,730,000 7,214,730,000 6,744,030,000 5,918,165,000 5,188,966,000 4,440,196,000 4,440,196,000 
        total liabilities and equity
      		61,449,065,000 59,754,951,000 55,627,168,000 45,818,572,000 48,132,618,000 48,132,618,000 46,988,515,000 46,983,049,000 47,426,518,000 40,343,170,000 45,818,572,000 45,818,572,000 46,039,070,000 43,402,113,000 40,879,366,000 33,504,995,000 40,343,170,000  37,666,108,000 37,666,108,000 35,849,717,000 33,504,995,000 33,504,995,000 30,885,043,000 28,245,729,000 26,635,039,000 24,387,305,000 24,387,305,000 24,237,460,000 23,980,768,000 22,826,812,000 20,355,601,000 20,355,601,000 18,677,674,000 15,242,755,000 10,484,968,000 7,349,735,000 7,349,735,000 
        total qfin holdings inc equity
      		 24,058,376,000                                     
        total qifu technology inc equity
      		  23,063,344,000  24,190,043,000 24,190,043,000 22,839,274,000 22,568,768,000 22,072,981,000  21,937,483,000 21,937,483,000 21,053,214,000 20,809,775,000 19,647,476,000 15,203,863,000 18,847,156,000                      
        liabilities
      		                                      
        contract liability
      		                                      
        shareholders’ equity
      		                                      
        additional paid-in capital
      		   6,059,439,000  4,339,413,000    6,095,225,000  6,059,439,000    5,672,267,000 6,095,225,000   5,771,100,000   5,672,267,000 5,614,716,000 5,544,236,000 5,476,951,000 5,417,406,000 5,417,406,000 5,309,654,000 5,254,235,000 5,188,559,000 5,117,184,000 5,117,184,000 5,031,458,000 5,009,137,000 4,935,600,000 4,866,756,000 4,866,756,000 
        retained earnings
      		   16,297,316,000  20,952,340,000    12,803,684,000  16,297,316,000    9,642,506,000 12,803,684,000   11,314,746,000   9,642,506,000 8,596,706,000 7,032,629,000 5,484,983,000 4,137,542,000 4,137,542,000 2,932,733,000 1,700,858,000         
        total qifu technology inc. equity
      		   21,937,483,000      18,847,156,000                             
        land use rights,net
      		    956,738,000      977,461,000  982,642,000 987,823,000 993,004,000    1,008,548,000  1,013,728,000 1,018,908,000                 
        amounts due from related parties, non-current
      		     51,000      4,240,000   13,342,000  33,236,000                      
        liabilities including amounts of the consolidated vies and trusts without recourse to the company
      		                                      
        commitments and contingencies
      		                                      
        ordinary shares
      		     21,000      22,000     22,000   22,000   22,000 21,000 21,000 21,000 21,000 21,000 21,000 21,000 20,000 21,000 20,000 21,000 20,000 20,000 20,000 20,000 
        treasury stock
      		     -1,113,608,000      -384,637,000                           
        other comprehensive income
      		     11,877,000                  -94,618,000 -90,183,000 -68,170,000  -74,391,000  52,307,000 55,866,000 24,905,000 24,906,000 69,629,000 1,153,000  3,683,000 3,683,000 
        non-controlling interests
      		     56,176,000      72,374,000     84,141,000 88,241,000  2,722,000   12,746,000     512,000     1,288,000      
        other comprehensive loss
      		           -34,657,000     -51,775,000   -67,612,000   -110,932,000                
        financial assets receivable, net-non current
      		            570,009,000 522,451,000 592,865,000    683,078,000  612,331,000 597,965,000  630,026,000 575,492,000 595,895,000 645,326,000  551,607,000 422,398,000 231,174,000 59,270,000  29,660,000 462,000    
        loans receivable, net-non current
      		            2,870,943,000 2,881,248,000 2,758,503,000    3,657,879,000  3,455,822,000 2,859,349,000  2,593,201,000 1,181,681,000 168,786,000 87,685,000            
        noncontroling interests
      		             75,792,000     2,722,000  7,605,000 12,746,000    319,000 512,000  957,000 1,108,000 1,157,000 1,288,000  1,506,000     
        non-controling interests
      		              79,855,000                        
        payable to investors of the consolidated trusts – current
      		                 6,173,089,000                     
        guarantee liabilities – stand ready
      		                 4,385,117,000                     
        guarantee liabilities – contingent
      		                 3,404,333,000                     
        net current assets
      		                 15,334,890,000                     
        financial assets receivable, net – noncurrent
      		                 755,977,000                     
        loans receivable, net – noncurrent
      		                 3,289,501,000                     
        payable to investors of the consolidated trusts – noncurrent
      		                 3,802,348,000                     
        total 360 digitech inc equity
      		                  17,018,256,000  16,172,624,000 15,203,863,000 15,203,863,000 14,116,825,000 12,486,703,000 10,893,785,000 9,480,578,000 9,480,578,000 8,229,868,000          
        ​
      		                                      
        total 360 digitech, inc. equity
      		                   17,018,256,000                   
        rmb
      		                                      
        liabilities and equity liabilities
      		                                      
        total 360 finance inc equity
      		                             7,007,421,000 6,068,789,000 7,213,442,000 7,213,442,000 6,742,524,000     
        guarantee liabilities-stand ready *
      		                              2,704,747,000        
        guarantee liabilities-contingent *
      		                              3,184,259,000        
        retained earnings *
      		                              824,344,000        
        other assets
      		                               31,184,000       
        guarantee liabilities
      		                               2,946,855,000 2,946,855,000 2,338,719,000 2,063,953,000 1,824,755,000 1,399,174,000 1,399,174,000 
        accumulated (deficit)/retained earnings
      		                               2,071,332,000 2,071,332,000 1,641,416,000 907,855,000 289,676,000   
        payable to investors of the consolidated trusts
      		                                    300,341,000 300,341,000 
        parent company’s investment
      		                                      
        total current liabilities:
      		                                     2,893,781,000 
        total non-current liabilities:
      		                                     15,758,000 
        retained earnings/ accumulated
      		                                      
      Cashflow Statements:
      Quarterly
      Annual
        Unit: USD2025-11-19 2025-08-14 2025-05-19 2024-12-31 2024-11-19 2024-08-13 2024-05-20 2023-12-31 2023-11-16 2023-08-21 2023-05-18 2022-12-31 2022-09-30 2022-06-30 2022-05-26 2021-12-31 2021-11-16 2021-08-20 2021-05-28 
                           
          net cash from operating activities
        		-120,569,000 -183,681,000 2,805,685,000 5,609,792,000 410,206,000 3,349,000 1,958,267,000 -442,895,000 -517,682,000 484,000 1,761,091,000 -4,196,874,000 3,011,724,000 1,118,314,000 1,419,597,000 -1,802,229,000 480,356,000 -456,727,000 1,753,048,000 
          capital expenditures
        		0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 
          free cash flows
        		-120,569,000 -183,681,000 2,805,685,000 5,609,792,000 410,206,000 3,349,000 1,958,267,000 -442,895,000 -517,682,000 484,000 1,761,091,000 -4,196,874,000 3,011,724,000 1,118,314,000 1,419,597,000 -1,802,229,000 480,356,000 -456,727,000 1,753,048,000 
          net cash from investing activities
        		7,545,590,000 -4,950,956,000 -3,240,186,000 -593,569,000 -1,949,489,000 2,157,772,000 -3,138,175,000 2,580,304,000 1,176,044,000 127,241,000 -3,564,207,000 7,259,584,000    3,277,037,000    
          net cash from financing activities
        		-2,444,269,000 -3,453,466,000 5,449,071,000 -2,987,378,000 -481,142,000 -2,543,016,000 1,775,409,000 -2,296,859,000 -533,235,000 1,197,247,000 38,940,000 -4,049,849,000 1,958,126,000 1,052,143,000 1,077,034,000 -285,934,000 -83,154,000 353,851,000 184,528,000 
          effect of foreign exchange rate changes
        		34,786,000 -24,169,000 -5,121,000 73,490,000 -25,753,000 20,000 2,095,000 6,906,000 -3,467,000 11,244,000 -2,843,000 -25,038,000 3,261,000 1,443,000 -3,820,000 -2,447,000 1,359,000 120,000 -1,436,000 
          net increase in cash and cash equivalents
        		5,015,538,000 -8,612,272,000 5,009,449,000   -381,875,000 597,596,000 -152,544,000 121,660,000 1,336,216,000 -1,767,019,000 -1,012,177,000 -449,730,000 1,919,113,000 51,166,000 1,186,427,000 -780,498,000 -1,899,178,000 1,480,806,000 
          cash, cash equivalents, and restricted cash, beginning of period
        		-3,602,823,000 5,009,449,000 6,805,800,000  215,721,000 597,596,000 7,558,997,000  -430,803,000 -1,767,019,000 10,512,363,000   0 8,759,947,000     
          cash, cash equivalents, and restricted cash, end of period
        		1,412,715,000 -3,602,823,000 11,815,249,000  -1,830,457,000 215,721,000 8,156,593,000  -309,143,000 -430,803,000 8,745,344,000   1,919,113,000 8,811,113,000     
          cash flows from operating activities:
        		                   
          net income attributable to shareholders of the company
        		                   
          adjustments to reconcile net income to net cash from operating activities:
        		                   
          equity in earnings of subsidiaries and vies, net of dividends
        		                   
          changes in operating assets and liabilities
        		                   
          accrued expenses and other current liabilities
        		                   
          prepaid expenses and other assets
        		                   
          amounts due from related parties
        		                   
          interest receivable/payable
        		                   
          fair value change of foreign exchange options
        		                   
          cash flows from investing activities:
        		                   
          repayment of loans provided to subsidiaries and vies
        		                   
          loans provided to subsidiaries and vies
        		                   
          purchase of foreign exchange options
        		                   
          proceeds from disposal of short-term investments
        		                   
          purchase of short-term investments
        		                   
          cash flows from financing activities:
        		                   
          proceeds from issuance of ordinary share upon secondary listing
        		                   
          payment of secondary listing costs
        		                   
          dividends to shareholders
        		                   
          repayments of short-term loans
        		                   
          proceeds from short-term loans
        		                   
          stock repurchase
        		                   
          cash, cash equivalents, and restricted cash, beginning of year
        		               -7,817,140,000 -418,372,000 1,480,806,000 6,774,266,000 
          cash, cash equivalents, and restricted cash, end of year
        		               -6,630,713,000 -1,198,870,000 -418,372,000 8,255,072,000 
          net decrease in cash and cash equivalents
        		                   
          equity in earnings of subsidiaries and vies
        		                   
          amounts due from subsidiaries and vies
        		                   
          ​
        		                   
          summary consolidated cash flow data:
        		                   
          cash, cash equivalents, and restricted cash at the beginning of period
        		                   
          cash, cash equivalents, and restricted cash at the end of period
        		                   
          net cash (used in) investing activities
        		            -5,422,841,000  -2,441,645,000     
          net income
        		                   
          depreciation, amortization and reduction in right-of-use assets
        		                   
          share-based compensation
        		                   
          investment loss
        		                   
          provision for loans receivable, financial assets receivable and accounts receivable and contract assets
        		                   
          provision for contingent liabilities
        		                   
          foreign exchange loss
        		                   
          funds receivable from third party payment service providers
        		                   
          accounts receivable and contract assets
        		                   
          financial assets receivable
        		                   
          security deposit prepaid to third-party guarantee companies
        		                   
          deferred tax
        		                   
          other non-current assets
        		                   
          amounts due to (from) related parties
        		                   
          guarantee liabilities
        		                   
          income tax payable
        		                   
          other tax payable
        		                   
          land use rights
        		                   
          other long-term liabilities
        		                   
          interest receivable/ payable
        		                   
          purchase of property and equipment and intangible assets
        		                   
          investment in loans receivable
        		                   
          collection of investment in loans receivable
        		                   
          loans provided to related parties
        		                   
          capital injection to an investee entity
        		                   
          disposal of subsidiaries and other business units, net of cash received
        		                   
          net cash from by investing activities
        		                   
          proceeds from short term loans
        		                   
          repayment of short term loans
        		                   
          cash received from investors of the consolidated trusts
        		                   
          cash paid to investors of the consolidated trusts
        		                   
          contribution from non-controlling interests
        		                   
          dividend to shareholders
        		                   
          loan received from non-controlling interests
        		                   
          loan payment to non-controlling interests
        		                   
          cash received from a related party for investment
        		                   
          cash repayment to a related party
        		                   
          supplemental disclosures of cash flow information:
        		                   
          income taxes paid
        		                   
          interest paid
        		                   
          supplemental disclosure of significant non-cash investing and financing activities:
        		                   
          payables for dividends:
        		                   
          reconciliation to amounts on consolidated balance sheet:
        		                   
          cash and cash equivalents
        		                   
          restricted cash
        		                   
          total cash, cash equivalents, and restricted cash
        		                   
          cash, cash equivalents, and restricted cash, beginning of year/period
        		                   
          cash, cash equivalents, and restricted cash, end of year /period
        		                   
          investments in subsidiaries
        		                   
          loans payment to subsidiaries and vies
        		                   
          payment of ipo costs
        		                   
          rmb
        		                   
          net cash provided (used in) by investing activities
        		                 -1,796,422,000 -455,334,000 
          depreciation and amortization of ppe, ia and rou
        		                   
          provision for loan principal, financial assets receivables and other receivables
        		                   
          proceeds from issuance of ordinary share upon ipo
        		                   
          capital contributions from shareholder
        		                   
          proceeds from series b convertible redeemable preferred shares
        		                   
          loans from qibutianxia
        		                   
          loans payment to qibutianxia
        		                   
          acquisition of non-controlling interests
        		                   
          issuance of series a and series a+ convertible redeemable preferred shares as deemed dividend
        		                   
          reconciliation to amounts on the combined and consolidated balance sheets:
        		                   
          depreciation and amortization
        		                   
          net (loss) income
        		                   
          deferred tax assets
        		                   
          amounts due (from) to related parties
        		                   
          deferred tax liabilities
        		                   
          loans from shareholder
        		                   
          loans payment to shareholder
        		                   
          benefit from loan principal, financial assets receivables and other receivables