Qfin Holdings, Inc., in Q2 of 2025, issues their earnings call transcript
Qfin Holdings, Inc. (NASDAQ:QFIN) held its Q2 2025 Earnings Conference Call on August 14, 2025, attended by key analysts and investors. The conference call was scheduled for 8:30 PM ET and was conducted by Karen Ji, Senior Director of Capital Markets.
The participants included Haisheng Wu (CEO & Director), Yan Zheng (Chief Risk Officer), and Zuoli Xu (CFO & Director). Today's prepared remarks for the CEO were delivered in English using an AI-generated voice.
Qfin reported strong financial and operational growth for Q2 2025. The company delivered revenue of approximately CNY 5,215.9 million, up from CNY 4,160.06 million the previous year, and net income of about CNY 1,733.99 million, compared to CNY 1,380.53 million a year ago. Basic earnings per share from continuing operations rose to CNY 13.04 from CNY 9.08, with diluted EPS at CNY 12.76 versus CNY 8.92 in Q2 2024.
Despite a minor earnings miss of 0.56%, revenue exceeded expectations by 13.46%. Operationally, Qfin's AI-powered credit platform connected 165 financial institutional partners and 275.8 million consumers, marking an 11.4% year-over-year increase. The number of users with approved credit lines grew 12.3% to 60.2 million, and borrowers who successfully drew down loans increased 14.9% to 36.8 million. The platform facilitated over 23.6 million loans during the quarter, with total loan origination volume reaching RMB 84.6 billion, a 16.1% increase over Q2 2024.
For the first six months of 2025, revenue reached CNY 9,906.59 million (up from CNY 8,313.25 million) and net income was CNY 3,534.17 million (up from CNY 2,544.82 million). Earnings per share also rose significantly for the half year.
The conference call included discussions of non-GAAP financial measures. A reconciliation of non-GAAP financial measures to GAAP financial measures can be found in the earnings release, which was distributed earlier and is available on their IR website. The conference call was being recorded for future reference.
The participants were asked to stand by until the conference call begins. The conference call was conducted for discussing Qfin Holdings' Q2 2025 earnings. The call was attended by Emma Xu from BofA Securities, Research Division, Lihan Yu from JPMorgan Chase & Co, Research Division, Ran Xu from Morgan Stanley, Research Division, Xiaoxiong Ye from UBS Investment Bank, Research Division, and Yun-Yin Wang from China Renaissance, Research Division.
Overall, Qfin demonstrated solid growth in both financial results and platform user metrics amid challenging macroeconomic conditions, driven by its AI-enabled credit technology services ranging from credit assessment to borrower acquisition and post-facilitation. Investors appear to view the company positively, with the stock up around 3.34% following the earnings release.
Additional information such as reading more QFIN analysis and news, and viewing all earnings call transcripts are available. A safe harbor statement is referred to in the earnings press release for forward-looking statements.
[1] All figures mentioned in the call are in RMB terms. [2] Source: Qfin Holdings, Inc. Q2 2025 Earnings Press Release [3] Source: Yahoo Finance [4] Source: Seeking Alpha
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