Qfin is leaning harder into AI-driven lending and new tech tools for banks, which could help it keep losses in check and open up new ways to grow beyond its core app. But tougher rules, weaker borrowing demand in China, and a more balance-sheet-heavy approach could test whether that growth can stay profitable—especially as it tries to expand overseas.Read more
Catalysts About Qfin Holdings Qfin Holdings operates a leading AI driven credit technology platform that connects consumers and small businesses with financial institutions in China. What are the underlying business or industry changes driving this perspective?Read more
Catalysts About Qfin Holdings Qfin Holdings operates a leading AI driven credit technology platform that connects consumers and small businesses with financial institutions in China and selected overseas markets. What are the underlying business or industry changes driving this perspective?Read more
Qfin Holdings, Inc., together with its subsidiaries, operate AI- driven credit-tech platform under the Qifu Jietiao brand in the People’s Republic of China. The company provides credit-driven services that match borrowers with financial institutions to conduct borrower acquisition, credit assessment, fund matching, and post-facilitation services; and platform services, including loan and post-facilitation services to financial institution partners under capital light model, intelligence credit engine, referral services, and other technology solutions. It serves financial institutions, consumers, and small and micro-enterprises. The company was formerly known as Qifu Technology, Inc. and changed its name to Qfin Holdings, Inc. in July 2025. Qfin Holdings, Inc. was founded in 2016 and is headquartered in Shanghai, the People’s Republic of China.
