Qfin Holdings, Inc. QFIN

Company Overview

Qfin Holdings, Inc. is a China-based credit technology company that operates a digital platform connecting borrowers with financial institutions. The company primarily serves underbanked and underserved consumer segments by facilitating access to unsecured consumer credit products. Qfin operates in the financial technology and consumer finance industries, providing technology-driven solutions that support loan origination, credit assessment, and post-origination services for institutional funding partners rather than lending primarily from its own balance sheet.

The company’s core revenue drivers are technology services fees and loan facilitation-related fees earned from financial institutions. Qfin is positioned as an asset-light platform with a strong emphasis on proprietary credit risk assessment models and data analytics. The company was founded in 2016 and historically operated under the 360 DigiTech brand before rebranding to Qfin Holdings, Inc. to reflect a broader, institution-focused platform strategy and reduced reliance on consumer-facing branding tied to its original internet security ecosystem.