Core 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]

Company Overview - Qifu Technology is a leading AI-empowered credit-tech platform in China with 584 million cumulative users with approved credit lines[13, 27] - The company has established partnerships with 163 financial institutions[13, 20] - Loan facilitation volume in 1Q25 reached RMB 889 billion, representing a 158% year-over-year increase[13] - Non-GAAP net income in 1Q25 was RMB 1926 million, a 599% year-over-year increase[13] - The company has repurchased US$905 million worth of ADSs cumulatively, leading to a 210% share count reduction[15] Financial Performance - Total net revenue for 1Q25 was RMB 4691 million[62] - Non-GAAP net income for 1Q25 was RMB 1926 million[64] - Platform services contributed 531% to the loan facilitation volume in 1Q25[57] - Platform services contributed 581% to the outstanding loan balance in 1Q25[59] Risk Management - The company maintains robust risk performance, as indicated by delinquency and collection rates[67, 68, 69]