360 Finance Inc - Asset Resilience Ratio
360 Finance Inc (QFIN) has an Asset Resilience Ratio of 1.62% as of March 2026. 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. See 360 Finance Inc working capital to net assets to evaluate short-term liquidity relative to the company's equity base.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2016–2025)
This chart shows how 360 Finance Inc's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see 360 Finance Inc balance sheet assets.
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. Explore QFIN long-term asset investment ratio to see how much of total assets are deployed in long-term investments.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $879.29 Million | 1.62% |
| Total Liquid Assets | $879.29 Million | 1.62% |
Asset Resilience Insights
- Limited Liquidity: 360 Finance Inc maintains only 1.62% 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 |
|---|---|---|
|
Direct Finance TA
TA:DIFI |
Credit Services | 0.01% |
|
Upstart Holdings Inc
NASDAQ:UPST |
Credit Services | 1.39% |
|
Latitude Group Holdings Ltd
AU:LFS |
Credit Services | 3.67% |
|
OppFi Inc
NYSE:OPFI |
Credit Services | 6.56% |
|
Starteck Finance Limited
NSE:STARTECK |
Credit Services | 0.02% |
|
Mint Corp
V:MIT |
Credit Services | 0.00% |
|
Williamson Magor & Company Limited
NSE:WILLAMAGOR |
Credit Services | 0.06% |
|
Butn Ltd
AU:BTN |
Credit Services | 3.72% |
Annual Asset Resilience Ratio for 360 Finance Inc (2016–2025)
The table below shows the annual Asset Resilience Ratio data for 360 Finance Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 5.01% | $2.85 Billion | $56.95 Billion | -2.04pp |
| 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 and post-fac… Read more