Qfin Holdings (QFIN) FCF Margin (2020 - 2025)
Qfin Holdings recorded quarterly FCF Margin of 77.08% in Q4 2025, up 61.27% quarter-over-quarter from 47.79% in Q3 2025, and up 900.0% year-over-year from 7.71% in Q4 2024.
Qfin Holdings' FCF Margin history runs 6 years deep, the most recent figure standing at 77.08% for Q4 2025.
- In Q4 2025, FCF Margin rose 900.0% year-over-year to 77.08%; the TTM figure through Dec 2025 stood at 57.56% (up 335.0% YoY), while the FY2025 annual figure was 55.67%, up 213.0% from the prior year.
- FCF Margin came in at 77.08% for Q4 2025 at Qfin Holdings, up from 47.79% in the prior quarter.
- In the past five years, FCF Margin ranged from a high of 77.08% in Q4 2025 to a low of 20.92% in Q1 2021.
- A 5-year average of 45.46% and a median of 46.87% in 2023 frame the typical range for FCF Margin.
- Across the five-year window, FCF Margin slumped 2283 bps in 2021 and jumped 2383 bps in 2024, its largest moves.
- Qfin Holdings' FCF Margin stood at 44.53% in 2021, then advanced by 1 bps to 44.89% in 2022, then increased by 17 bps to 52.31% in 2023, then soared by 30 bps to 68.08% in 2024, then increased by 13 bps to 77.08% in 2025.
- According to Business Quant data, FCF Margin over the past three periods registered 77.08%, 47.79%, and 49.79% for Q4 2025, Q3 2025, and Q2 2025 respectively.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 554.71 Bn | 542.31 Bn | - | 23.37% |
| 2 | Mastercard | 443.64 Bn | 433.43 Bn | - | 33.56% |
| 3 | American Express | 211.69 Bn | 157.65 Bn | 17.43 Bn | 14.04% |
| 4 | Capital One Financial | 115.44 Bn | 38.94 Bn | - | 35.91% |
| 5 | PayPal Holdings | 40.47 Bn | 31.13 Bn | 7.84 Bn | 10.81% |
| 6 | Synchrony Financial | 24.65 Bn | 4.09 Bn | - | 45.78% |
| 7 | SoFi Technologies | 20.00 Bn | 16.60 Bn | 929.25 Mn | -216.52% |
| 8 | Ally Financial | 13.32 Bn | 12.88 Bn | 1.98 Bn | 65.22% |
| 9 | Eason Technology | 11.55 Bn | 11.54 Bn | - | - |
| 10 | Qfin Holdings | 465.17 Mn | -593.26 Mn | 506.52 Mn | 77.08% |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | 77.08% |
| Sep 30, 2025 | 47.79% |
| Jun 30, 2025 | 49.79% |
| Mar 31, 2025 | 59.71% |
| 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 | 49.12% |
| 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% |
| Mar 31, 2021 | 20.92% |
| Dec 31, 2020 | 34.20% |
| Sep 30, 2020 | 37.68% |
| Jun 30, 2020 | 40.94% |
| Mar 31, 2020 | 43.75% |