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 facilitation… Read more
Qfin Holdings, Inc. (CKR0) - Net Assets
Latest net assets as of September 2025: €24.30 Billion EUR
Based on the latest financial reports, Qfin Holdings, Inc. (CKR0) has net assets worth €24.30 Billion EUR as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (€61.45 Billion) and total liabilities (€37.15 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | €24.30 Billion |
| % of Total Assets | 39.55% |
| Annual Growth Rate | 16.8% |
| 5-Year Change | N/A |
| 10-Year Change | N/A |
| Growth Volatility | 5.84 |
Qfin Holdings, Inc. - Net Assets Trend (2021–2024)
This chart illustrates how Qfin Holdings, Inc.'s net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Qfin Holdings, Inc. (2021–2024)
The table below shows the annual net assets of Qfin Holdings, Inc. from 2021 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | €24.25 Billion | +10.16% |
| 2023-12-31 | €22.01 Billion | +16.26% |
| 2022-12-31 | €18.93 Billion | +24.41% |
| 2021-12-31 | €15.22 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to Qfin Holdings, Inc.'s total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 117.3% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | €20.95 Billion | 86.62% |
| Other Components | €3.24 Billion | 13.38% |
| Total Equity | €24.19 Billion | 100.00% |
Qfin Holdings, Inc. Competitors by Market Cap
The table below lists competitors of Qfin Holdings, Inc. ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Wacker Chemie AG
PINK:WKCMF
|
$1.32 Billion |
|
Sino-Platinum Metals Co Ltd
SHG:600459
|
$1.32 Billion |
|
Grace Fabric Technology Co Ltd
SHG:603256
|
$1.32 Billion |
|
VSE Corporation Tangible Equity Units
NASDAQ:VSECU
|
$1.32 Billion |
|
General Insurance Corporation of India
NSE:GICRE
|
$1.32 Billion |
|
Bega Cheese Limited
PINK:BGCHY
|
$1.31 Billion |
|
Southchip Semiconductor Technology (Shanghai) Co. Ltd. A
SHG:688484
|
$1.31 Billion |
|
CTS Corporation
NYSE:CTS
|
$1.31 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Qfin Holdings, Inc.'s equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 21,937,483,000 to 24,190,043,000, a change of 2,252,560,000 (10.3%).
- Net income of 6,264,314,000 contributed positively to equity growth.
- Dividend payments of 1,262,935,000 reduced retained earnings.
- Share repurchases of 2,973,192,000 reduced equity.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | €6.26 Billion | +25.9% |
| Dividends Paid | €1.26 Billion | -5.22% |
| Share Repurchases | €2.97 Billion | -12.29% |
| Other Changes | €224.37 Million | +0.93% |
| Total Change | €- | 10.27% |
Book Value vs Market Value Analysis
This analysis compares Qfin Holdings, Inc.'s book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.07x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2021-12-31 | €48.97 | €6.00 | x |
| 2022-12-31 | €58.39 | €6.00 | x |
| 2023-12-31 | €69.59 | €6.00 | x |
| 2024-12-31 | €85.18 | €6.00 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Qfin Holdings, Inc. utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 25.90%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 44.62%
- • Asset Turnover: 0.29x
- • Equity Multiplier: 1.99x
- Recent ROE (25.90%) is below the historical average (26.20%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2021 | 38.03% | 40.48% | 0.43x | 2.20x | €4.26 Billion |
| 2022 | 21.35% | 28.85% | 0.35x | 2.14x | €2.14 Billion |
| 2023 | 19.53% | 31.97% | 0.29x | 2.09x | €2.09 Billion |
| 2024 | 25.90% | 44.62% | 0.29x | 1.99x | €3.85 Billion |
Industry Comparison
This section compares Qfin Holdings, Inc.'s net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $4,553,386,789
- Average return on equity (ROE) among peers: 4.13%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Qfin Holdings, Inc. (CKR0) | €24.30 Billion | 38.03% | 1.53x | $1.32 Billion |
| Yiren Digital Ltd (19YA) | $9.54 Billion | 16.58% | 0.36x | $89.77 Million |
| Yixin Group Limited (1YX) | $15.42 Billion | -1.08% | 2.28x | $705.41 Million |
| BFF Bank S.p.A (2BF) | $366.24 Million | 25.16% | 12.49x | $588.68 Million |
| Resurs Holding AB (publ) (4R6) | $7.14 Billion | 17.03% | 4.85x | $60.83 Million |
| Genertec Universal Medical Group Company Limited (5UM) | $6.57 Billion | 13.27% | 3.41x | $642.11 Million |
| ALBIS Leasing AG (ALG) | $6.63 Million | -16.84% | 17.44x | $12.44 Million |
| Brockhaus Capital Management AG (BKHT) | $223.44 Million | -3.01% | 0.37x | $75.53 Million |
| Shougang Concord Grand (Group) Limited (CGG) | $1.46 Billion | -5.63% | 0.73x | $8.69 Million |
| creditshelf Aktiengesellschaft (CSQ) | $244.96 Million | -8.28% | 0.83x | $2.48K |