360 Finance Inc - Asset Resilience Ratio
360 Finance Inc (QFIN) has an Asset Resilience Ratio of 7.16% as of September 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. Read 360 Finance Inc (QFIN) total liabilities for a breakdown of total debt and financial obligations.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2016–2024)
This chart shows how 360 Finance Inc's Asset Resilience Ratio has changed over time. See QFIN book value for net asset value and shareholders' equity analysis.
Liquid Assets Composition Over Time
This chart breaks down 360 Finance Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see QFIN company net worth.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $4.40 Billion | 7.16% |
| Total Liquid Assets | $4.40 Billion | 7.16% |
Asset Resilience Insights
- Limited Liquidity: 360 Finance Inc maintains only 7.16% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company has significant short-term investments, indicating active treasury management.
360 Finance Inc Industry Peers by Asset Resilience Ratio
Compare 360 Finance Inc's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Upstart Holdings Inc
NASDAQ:UPST |
Credit Services | 1.39% |
|
Beijing Cuiwei Tower Co Ltd
SHG:603123 |
Credit Services | 1.79% |
|
Peninsula Group Ltd
TA:PEN |
Credit Services | 1.01% |
|
Pioneer Credit Ltd
AU:PNC |
Credit Services | 32.27% |
|
Wisr Ltd
AU:WZR |
Credit Services | 0.02% |
|
Intan Baruprana Finance Tbk
JK:IBFN |
Credit Services | 7.72% |
|
Fast Finance SA
WAR:FFI |
Credit Services | 69.30% |
|
Funding Circle Holdings PLC
LSE:FCH |
Credit Services | 54.97% |
Annual Asset Resilience Ratio for 360 Finance Inc (2016–2024)
The table below shows the annual Asset Resilience Ratio data for 360 Finance Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2024-12-31 | 7.05% | $3.39 Billion | $48.13 Billion | +7.02pp |
| 2023-12-31 | 0.03% | $15.00 Million | $45.82 Billion | -0.11pp |
| 2022-12-31 | 0.14% | $57.00 Million | $40.34 Billion | -- |
| 2021-12-31 | 0.00% | $0.00 | $33.50 Billion | -- |
| 2019-12-31 | 0.00% | $0.00 | $20.36 Billion | -- |
| 2018-12-31 | 0.00% | $0.00 | $7.35 Billion | -- |
| 2017-12-31 | 0.00% | $0.00 | $3.10 Billion | -- |
| 2016-12-31 | 0.00% | $0.00 | $89.52 Million | -- |
About 360 Finance Inc
Qfin Holdings, Inc., together with its subsidiaries, operate AI- driven credit-tech platform under the Qifu Jietiao brand in the People's Republic of China. The company provides credit-driven services that match borrowers with financial institutions to conduct borrower acquisition, credit assessment, fund matching, and post-facilitation services; and platform services, including loan facilitation… Read more