Qfin Holdings (QFIN) FCF Margin (2020 - 2026)
Qfin Holdings (QFIN) posted FCF Margin of 53.43% for Q1 2026, down 30.68% sequentially from 77.08% in Q4 2025, and down 628.0% YoY from 10.12% in Q1 2025.
Qfin Holdings (QFIN) FCF Margin (2020 - 2026) Analysis & Trends
Qfin Holdings (QFIN) has 7 years of FCF Margin data on file, last reported at 53.43% in Q1 2026.
- Quarterly FCF Margin fell 628.0% year-over-year to 53.43% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 56.14% (down 108.0% YoY) and the FY2025 annual result came in at 54.94%, up 140.0% from the prior year.
- FCF Margin fell to 53.43% in Q1 2026 per QFIN's latest filing, from 77.08% in the prior quarter.
- The five-year high for FCF Margin was 77.08% in Q4 2025, with the low at 27.15% in Q2 2022.
- Average FCF Margin over 5 years is 48.6%, with a median of 47.79% recorded in 2025.
- Year-over-year, FCF Margin plunged 1588 bps in 2022 and jumped 2383 bps in 2024.
- Qfin Holdings' FCF Margin stood at 44.89% in 2022, then gained by 17 bps to 52.31% in 2023, then surged by 30 bps to 68.08% in 2024, then gained by 13 bps to 77.08% in 2025, then sank by 31 bps to 53.43% in 2026.
- Business Quant data shows QFIN's FCF Margin at 53.43% in Q1 2026, 77.08% in Q4 2025, and 47.79% in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 23.37% |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 33.56% |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 14.04% |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 10.81% |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 6,779.64% |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | -216.52% |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 65.22% |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 46.37% |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 15.37% |
| 10 | Qfin Holdings | 3.99 Bn | -935.70 Bn | 498.57 Mn | 53.43% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 53.43% |
| Dec 31, 2025 | 77.08% |
| Sep 30, 2025 | 47.79% |
| Jun 30, 2025 | 49.79% |
| Mar 31, 2025 | 59.81% |
| Dec 31, 2024 | 68.08% |
| Sep 30, 2024 | 53.14% |
| Jun 30, 2024 | 47.15% |
| Mar 31, 2024 | 47.61% |
| Dec 31, 2023 | 52.31% |
| Sep 30, 2023 | 29.31% |
| Jun 30, 2023 | 46.59% |
| Mar 31, 2023 | 48.93% |
| Dec 31, 2022 | 44.89% |
| Sep 30, 2022 | 40.17% |
| Jun 30, 2022 | 27.15% |
| Mar 31, 2022 | 32.82% |
| Dec 31, 2021 | 44.53% |
| Sep 30, 2021 | 38.68% |
| Jun 30, 2021 | 32.40% |