Earnings call transcript: QFIN Holdings Q4 2025 earnings miss expectations
#QFIN Holdings #Q4 2025 earnings #earnings miss #regulatory costs #loan loss provisions #lending practices #2026 guidance
📌 Key Takeaways
- QFIN Holdings reported Q4 2025 earnings below analyst expectations.
- The company cited increased regulatory costs and higher loan loss provisions as primary factors.
- Management emphasized a strategic shift towards more conservative lending practices.
- Guidance for Q1 2026 was revised downward, reflecting ongoing market challenges.
🏷️ Themes
Earnings Report, Financial Regulation
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Original Source
QFIN Holdings Limited reported its fourth-quarter 2025 financial results, revealing a significant miss on both earnings per share and revenue compared to market forecasts. The company’s EPS stood at 7.82, well below the expected 9.17, marking a negative surprise of -14.72%. Revenue also fell short, totaling 4.09 billion CNY against the anticipated 5.03 billion CNY, a miss of -18.69%. Despite these results, the stock price showed a pre-market increase of 1.36%, closing at 14.12.
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