"Performance" Qifu Tech's net profit in the first three quarters reached 4.97 billion RMB, an increase of 14.3%, expects fourth-quarter net profit to drop to a maximum of 920 million RMB

Qifu Tech-S (03660.HK) announced its performance for the first three quarters ending September this year, with a revenue of RMB 15.112 billion, an increase of 19.2% year-on-year. The net profit was RMB 4.97 billion, up 14.3% year-on-year; earnings per share were RMB 18.44. In the third quarter alone, the company recorded a total net income of RMB 5.206 billion, an increase of 19.1% year-on-year. The net profit was RMB 1.436 billion, a decrease of 20.4% year-on-year; earnings per share were RMB 5.48.

As of November 18, 2025, the company plans to repurchase approximately 7.3 million American Depositary Shares (ADS) in the open market at an average price of USD 38.7 per ADS under the 2025 share repurchase plan, totaling approximately USD 281 million.

Due to the ongoing uncertainties in the macro environment, the company intends to prioritize risk control as its current top priority and will maintain a cautious approach in its business planning for the next few quarters. Therefore, it expects to generate a net profit of RMB 920 million to RMB 1.12 billion in the fourth quarter of this year, and a non-GAAP net profit of RMB 1 billion to RMB 1.2 billion, representing a year-on-year decline of 39% to 49%. The company anticipates a full-year net profit of RMB 5.88 billion to RMB 6.08 billion in 2025, and a non-GAAP net profit of RMB 6.28 billion to RMB 6.48 billion, with a year-on-year change of a decline of 2% to an increase of 1%. This outlook reflects the company's current preliminary view and may undergo significant changes