Qfin Holdings (QFIN) Interest Coverage Ratio (2019 - 2026)
Qfin Holdings (QFIN) posted Interest Coverage Ratio of 7.63 for Q1 2026, up 24.35% sequentially from 6.14 in Q4 2025, and down 52.53% YoY from 16.07 in Q1 2025.
Qfin Holdings (QFIN) Interest Coverage Ratio (2019 - 2026) Analysis & Trends
Qfin Holdings has reported Interest Coverage Ratio for 8 years, with the latest figure at 7.63 in Q1 2026.
- Quarterly Interest Coverage Ratio fell 52.53% year-over-year to 7.63 in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 10.15 (down 30.49% YoY) and the FY2025 annual result came in at 12.0, down 5.84% from the prior year.
- Interest Coverage Ratio grew to 7.63 in Q1 2026 per QFIN's latest filing, from 6.14 in the prior quarter.
- Over five years, Interest Coverage Ratio peaked at 16.07 in Q1 2025 and troughed at 6.14 in Q4 2025.
- A 5-year average of 10.28 and a median of 8.67 in 2023 frame the typical range for Interest Coverage Ratio.
- The sharpest annual moves came in 2022 and 2024: Interest Coverage Ratio slumped 63.38% in 2022, then soared 87.54% in 2024.
- Over 5 years, Interest Coverage Ratio stood at 6.82 in 2022, then grew by 16.47% to 7.95 in 2023, then jumped by 87.54% to 14.9 in 2024, then sank by 58.83% to 6.14 in 2025, then climbed by 24.35% to 7.63 in 2026.
- According to Business Quant data, Interest Coverage Ratio over the past three periods registered 7.63, 6.14, and 11.84 for Q1 2026, Q4 2025, and Q3 2025 respectively.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 618.21 Bn | 605.85 Bn | - | 35.45 |
| 2 | Mastercard | 506.53 Bn | 493.04 Bn | - | 25.63 |
| 3 | American Express | 232.32 Bn | 183.00 Bn | 17.99 Bn | 1.79 |
| 4 | Capital One Financial | 136.19 Bn | 81.48 Bn | - | 1.53 |
| 5 | PayPal Holdings | 52.34 Bn | 41.08 Bn | - | 1.46 |
| 6 | Eason Technology | 35.89 Bn | 35.89 Bn | - | - |
| 7 | Synchrony Financial | 26.09 Bn | 9.90 Bn | - | 2.22 |
| 8 | Affirm Holdings | 25.93 Bn | 24.20 Bn | - | 0.78 |
| 9 | SoFi Technologies | 23.04 Bn | 22.68 Bn | -41.62 Mn | -3.03 |
| 10 | Qfin Holdings | 3.17 Bn | -125.16 Bn | - | 7.60 |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 7.63 |
| Dec 31, 2025 | 6.14 |
| Sep 30, 2025 | 11.84 |
| Jun 30, 2025 | 14.89 |
| Mar 31, 2025 | 16.07 |
| Dec 31, 2024 | 14.90 |
| Sep 30, 2024 | 15.59 |
| Jun 30, 2024 | 12.31 |
| Mar 31, 2024 | 8.83 |
| Dec 31, 2023 | 7.95 |
| Sep 30, 2023 | 8.67 |
| Jun 30, 2023 | 7.15 |
| Mar 31, 2023 | 6.36 |
| Dec 31, 2022 | 6.82 |
| Sep 30, 2022 | 8.36 |
| Jun 30, 2022 | 8.16 |
| Mar 31, 2022 | 13.08 |
| Dec 31, 2021 | 16.26 |
| Sep 30, 2021 | 22.61 |
| Jun 30, 2021 | 22.28 |