Core Viewpoint - Qifu Technology-S (03660.HK) reported a total net revenue of RMB 5.2057 billion (USD 731.2 million) for Q3 2025, with a net profit of RMB 1.4325 billion (USD 201.2 million) and a non-GAAP net profit of RMB 1.5082 billion (USD 211.9 million) [1] Financial Performance - The fully diluted net earnings per American Depositary Share (ADS) were RMB 10.80 (USD 1.52), while the non-GAAP net earnings per ADS were RMB 11.36 (USD 1.60) [1] - For Q4 2025, the company expects a net profit between RMB 0.92 billion and RMB 1.12 billion, and a non-GAAP net profit between RMB 1.0 billion and RMB 1.2 billion [1] - The full-year net profit forecast for 2025 is between RMB 5.88 billion and RMB 6.08 billion, with a non-GAAP net profit forecast between RMB 6.28 billion and RMB 6.48 billion [1] Operational Adjustments - The CEO of Qifu Technology indicated that the company is actively adjusting its operational pace in response to macroeconomic uncertainties and regulatory changes [2] - The company tightened risk control standards mid-quarter due to liquidity pressures in the consumer finance sector, which led to increased overall risk levels [2] - In the first three quarters of the year, the company issued Asset-Backed Securities (ABS) totaling nearly RMB 18.9 billion, representing a growth of over 40% compared to the same period last year [2] Business Strategy - The company is making necessary adjustments to its business structure to adapt to dynamic industry changes, with a focus on maintaining resilience in core operations [2] - As of the end of the quarter, the proportion of on-loan balances from light asset models, ICE, and comprehensive technology solutions was approximately 48% [2] - The company aims to optimize its business structure in the new operating environment and seize growth opportunities during industry recovery [2]
奇富科技-S(03660.HK)：第三季度净收入总额为52.06亿元