2025-11-19 00:30Company Performance - Qfin Holdings achieved a loan facilitation volume of RMB 833 billion in 3Q25[15] - The company reported a Non-GAAP Net Income of RMB 1508 million in 3Q25[16] - Non-GAAP ROE was 250%[17] User Base and Partnerships - Qfin Holdings has 621 million cumulative users with approved credit lines[15, 24] - The company has established partnerships with 167 financial institutions[15, 24] - The platform services contributed 551% to the loan facilitation volume[60] Shareholder Returns - Over US$1 billion worth of ADSs have been repurchased cumulatively[19] - Share count reduction through share repurchase plans is 228%[19] - The dividend per ADS for 1H25 was US$076[21] Loan Characteristics - The average drawdown is RMB 94k[26] - The weighted average contractual tenor is 106 months[26] - Repeated borrowers' loan volume contribution is 928%[26] AI and Technology - The company processes over 99% of loan applications automatically[43] - The AI-powered credit assessment engine uses over 730k data dimensions and 690 model iterations[43] - 74% of graphics & 27% of videos for marketing are generated by automated AIGC[48]