Core Viewpoint - QFIN's stock price increased by 2.14% on August 8, reaching $34.075 per share, with a total market capitalization of $4.582 billion. The company reported a total revenue of 4.691 billion RMB for the fiscal year ending March 31, 2025, representing a year-on-year growth of 12.94%, and a net profit of 1.8 billion RMB, up 54.62% year-on-year [1][2]. Company Overview - QFIN is a leading credit technology platform in China, focused on providing innovative credit services to financial institutions, enabling consumers and small businesses to access personalized credit solutions [2][3]. - The company collaborates with 133 financial institutions, including state-owned and regional banks, to enhance credit assessment and risk management processes [2]. Target Audience - The company targets consumers who are underserved by traditional financial institutions, particularly those with limited credit histories but stable incomes and high growth potential [3][4]. - QFIN also focuses on small and micro enterprises that lack sufficient credit history and collateral, offering tailored loan products to meet their needs [4]. Service Offerings - QFIN provides two main types of services: credit-driven services and platform services, both designed to improve the lending process and enhance user experience [4][5]. - Credit-driven services involve matching potential borrowers with financial institutions, where QFIN assumes some credit risk [4][6]. - Platform services include a range of technology solutions throughout the loan lifecycle, such as borrower acquisition, credit assessment, and post-loan services, without assuming credit risk [5][6]. Technology Solutions - The company employs a "light capital model" to facilitate transactions between borrowers and financial institutions, charging service fees based on pre-agreed terms [6]. - QFIN's "Intelligent Credit Engine" (ICE) provides smart marketing services to financial institutions, utilizing user analysis and cloud computing to match borrowers with lenders [6][7]. - The company also offers risk management SaaS solutions to help financial institutions improve their credit assessment processes [7].