360 Finance Inc (QFIN) — Cash Flow-to-Debt Ratio
360 Finance Inc (QFIN) has a Cash Flow-to-Debt Ratio of 0.07x as of March 2026, meaning its operating cash flow of $2.10 Billion could theoretically repay 0% of its total liabilities ($29.73 Billion) in one year. See 360 Finance Inc free cash flow to debt ratio to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
360 Finance Inc Cash Flow-to-Debt Ratio (2016–2025)
Historical debt coverage capacity for 360 Finance Inc across 10 annual periods. For the full cash flow conversion analysis, see cash efficiency ratio of 360 Finance Inc.
Annual Cash Flow-to-Debt Ratio for 360 Finance Inc (2016–2025)
Year-by-year debt coverage analysis for 360 Finance Inc. Check how high is 360 Finance Inc's earnings quality to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.34x | $11.08 Billion | $32.79 Billion | ▼ -13.6% |
| 2024 | 0.39x | $9.34 Billion | $23.89 Billion | ▲ +30.8% |
| 2023 | 0.30x | $7.12 Billion | $23.81 Billion | ▲ +8.1% |
| 2022 | 0.28x | $5.92 Billion | $21.41 Billion | ▼ -12.6% |
| 2021 | 0.32x | $5.79 Billion | $18.29 Billion | ▼ -11.4% |
| 2020 | 0.36x | $5.33 Billion | $14.91 Billion | ▲ +57.9% |
| 2019 | 0.23x | $2.97 Billion | $13.14 Billion | ▲ +130.9% |
| 2018 | 0.10x | $285.12 Million | $2.91 Billion | ▲ +308.9% |
| 2017 | -0.05x | $-110.97 Million | $2.37 Billion | ▲ +96.8% |
| 2016 | -1.48x | $-164.37 Million | $111.35 Million | — |