Qfin Holdings delivered stable financial results in Q3 2025 amid challenging market conditions, demonstrating strong risk management and sustained operational resilience.

• Non-GAAP net income reached RMB 1.51 billion, with non-GAAP EPADS at RMB 11.36, reflecting solid profitability.
• Loan facilitation and origination volumes totaled RMB 83.3 billion, consistent with Q2 levels despite ongoing industry headwinds.
• User acquisition improved with new credit line users increasing by 9% and average cost per user declining by 8%, bolstered by diversified channels and partnerships.