ZACKSยท2025-08-12 16:31Core Insights - Qifu Technology, Inc. (QFIN) is set to release its second-quarter 2025 results on August 14, after market close, and has consistently surpassed the Zacks Consensus Estimate in the previous four quarters with an average earnings surprise of 14.3% [1] Revenue Expectations - The Zacks Consensus Estimate for QFIN's revenues is $641.8 million, indicating a 12.1% growth compared to the same quarter last year [2][9] Business Performance - The embedded finance business is expected to show improvement due to an increase in new credit line users and loan volume from these channels, with AI-led technology enhancing user profiling and acquisition [3] - A surge in on-balance sheet loans and reduced early repayment discounts are anticipated to boost QFIN's credit-driver services, while platform services are expected to benefit from contributions from the Intelligence Credit Engine and other value-added services [4] Earnings Projections - The consensus estimate for QFIN's earnings per share is $1.79, reflecting a significant year-over-year growth of 46.7% [4][9] Earnings Prediction Model - Current analysis indicates that QFIN does not conclusively predict an earnings beat, with an Earnings ESP of 0.00% and a Zacks Rank of 3 (Hold) [5][6]