360 Finance Inc (QFIN) — Financial Flexibility Index
360 Finance Inc (QFIN) has a Financial Flexibility Index of 0.17x as of March 2026. Free cash flow of $5.18 Billion (operating CF $2.10 Billion minus capex $3.08 Billion) represents 0% of total liabilities ($29.73 Billion). Check how aggressively does 360 Finance Inc reinvest cash to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
360 Finance Inc Financial Flexibility Index (2016–2025)
Historical Financial Flexibility Index trend for 360 Finance Inc across 10 annual periods. For the full cash flow conversion analysis, see cash flow conversion of 360 Finance Inc.
Annual Financial Flexibility Index for 360 Finance Inc (2016–2025)
Year-by-year free cash flow to debt coverage for 360 Finance Inc. Explore cash flow to debt ratio of 360 Finance Inc to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.35x | $11.32 Billion | $11.08 Billion | $32.79 Billion | ▼ -13.1% |
| 2024 | 0.40x | $9.50 Billion | $9.34 Billion | $23.89 Billion | ▲ +31.4% |
| 2023 | 0.30x | $7.20 Billion | $7.12 Billion | $23.81 Billion | ▲ +8.9% |
| 2022 | 0.28x | $5.95 Billion | $5.92 Billion | $21.41 Billion | ▼ -12.6% |
| 2021 | 0.32x | $5.82 Billion | $5.79 Billion | $18.29 Billion | ▼ -11.3% |
| 2020 | 0.36x | $5.34 Billion | $5.33 Billion | $14.91 Billion | ▲ +57.0% |
| 2019 | 0.23x | $3.00 Billion | $2.97 Billion | $13.14 Billion | ▲ +126.1% |
| 2018 | 0.10x | $293.67 Million | $285.12 Million | $2.91 Billion | ▲ +329.8% |
| 2017 | -0.04x | $-103.86 Million | $-110.97 Million | $2.37 Billion | ▲ +96.9% |
| 2016 | -1.42x | $-158.63 Million | $-164.37 Million | $111.35 Million | — |