Profit Drop Coexists With Qfin’s AI-Native Lender Push and Loan Growth
Qifu Technology reported a 25.1% year-over-year fall in total loan volume to RMB63,377 million, with non-GAAP net income dropping to RMB454.9 million and non-GAAP EPS falling to RMB3.72. In contrast, its FocusPRO unit scaled, and Qfin signed two new AI agent projects with banking partners. Collection and delinquency metrics improved, while Qfin paid a semiannual $0.46 dividend and repurchased $7 million of stock before pausing the buyback.