Qfin Holdings, Inc. - Asset Resilience Ratio
Qfin Holdings, Inc. (QFIN) has an Asset Resilience Ratio of 5.08% as of June 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. Read QFIN liabilities breakdown for a breakdown of total debt and financial obligations.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2016–2025)
This chart shows how Qfin Holdings, Inc.'s Asset Resilience Ratio has changed over time. See QFIN FCF generation index to measure how efficiently the company converts operating cash flow to free cash.
Liquid Assets Composition Over Time
This chart breaks down Qfin Holdings, Inc.'s liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For the complete balance sheet picture, see balance sheet size of Qfin Holdings, Inc..
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $2.70 Billion | 5.08% |
| Total Liquid Assets | $2.70 Billion | 5.08% |
Asset Resilience Insights
- Limited Liquidity: Qfin Holdings, Inc. maintains only 5.08% 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.
Qfin Holdings, Inc. Industry Peers by Asset Resilience Ratio
Compare Qfin Holdings, Inc.'s asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
IIFL Finance Limited
NSE:IIFL |
Credit Services | 3.34% |
|
Peninsula Group Ltd
TA:PEN |
Credit Services | 1.01% |
|
Plenti Group Ltd
AU:PLT |
Credit Services | 0.07% |
|
Vaziva Sa
PA:ALVAZ |
Credit Services | 2.08% |
|
Fuji Finance Indonesia Tbk PT
JK:FUJI |
Credit Services | 56.15% |
|
Fast Finance SA
WAR:FFI |
Credit Services | 69.30% |
|
KRUNGTHAI CARD FGN BA 1
F:KRTA |
Credit Services | 0.00% |
|
ZIP Co Ltd
AU:ZIP |
Credit Services | 0.13% |
Annual Asset Resilience Ratio for Qfin Holdings, Inc. (2016–2025)
The table below shows the annual Asset Resilience Ratio data for Qfin Holdings, 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 Qfin Holdings, 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