360 DigiTech, Inc. Q3 2025 Earnings Recap

QFIN Q3 2025 November 20, 2025

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

Earnings Per Share Miss

$1.52 vs $1.68 est.

-9.5% surprise

Revenue Beat

731146183 vs 664948200 est.

+10.0% surprise

Market Reaction

1-Day -5.51%

5-Day +1.3%

30-Day -0.1%

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Key Takeaways

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.

This summary was generated by AI from the official earnings call transcript and is provided for informational purposes only. It does not constitute financial advice. For the complete transcript and financial data, visit QFIN on AllInvestView.

Previous Q2 2025