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.
Analysis
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 Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 680.39 Bn | 668.03 Bn | - | 35.45 |
| 2 | Mastercard | 518.33 Bn | 504.84 Bn | - | 25.63 |
| 3 | American Express | 224.91 Bn | 175.59 Bn | 17.99 Bn | 1.79 |
| 4 | Capital One Financial | 132.31 Bn | 77.60 Bn | - | 1.95 |
| 5 | PayPal Holdings | 46.25 Bn | 35.00 Bn | - | - |
| 6 | Affirm Holdings | 26.22 Bn | 24.59 Bn | - | 1.24 |
| 7 | Synchrony Financial | 25.37 Bn | 9.17 Bn | - | 2.22 |
| 8 | SoFi Technologies | 23.30 Bn | 20.18 Bn | 1.02 Bn | 0.05 |
| 9 | Ally Financial | 12.85 Bn | 5.01 Bn | 2.08 Bn | 0.50 |
| 10 | Qfin Holdings | 1.07 Bn | -390.93 Bn | - | 9.00 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 9.00 |
| Mar 31, 2026 | 7.63 |
| Dec 31, 2025 | 6.14 |
| Sep 30, 2025 | 11.91 |
| Jun 30, 2025 | 15.03 |
| Mar 31, 2025 | 16.10 |
| Dec 31, 2024 | 14.90 |
| Sep 30, 2024 | 15.59 |
| Jun 30, 2024 | 12.31 |
| Mar 31, 2024 | 8.75 |
| Dec 31, 2023 | 7.95 |
| Sep 30, 2023 | 8.67 |
| Jun 30, 2023 | 7.15 |
| Mar 31, 2023 | 6.33 |
| Dec 31, 2022 | 6.82 |
| Sep 30, 2022 | 8.36 |
| Jun 30, 2022 | 8.16 |
| Mar 31, 2022 | 13.10 |
| Dec 31, 2021 | 16.20 |
| Sep 30, 2021 | 22.61 |