Qfin Holdings Announces Second Quarter and Interim 2026 Unaudited Financial Results and Declares Semi-Annual Dividend

SHANGHAI, China, Aug. 25, 2026 (GLOBE NEWSWIRE) -- Qfin Holdings, Inc. (NASDAQ: QFIN; HKEx: 3660) (“Qfin Holdings” or the “Company”), a leading AI-empowered Credit-Tech platform in China, today announced its unaudited financial results for the second quarter and six months ended June 30, 2026 and declared its semi-annual dividend.

Second Quarter 2026 Business Highlights * As of June 30, 2026, our platform has connected 168 financial institutional partners and 301.8 million consumers(*)(1) with potential credit needs, cumulatively, an increase of 9.4% from 275.8 million a year ago. * Cumulative users with approved credit lines(*)(2) were 65.6 million as of June 30, 2026, an increase of 9.0% from 60.2 million as of June 30, 2025. * Cumulative borrowers with successful drawdown, including repeat borrowers, was 39.9 million as of June 30, 2026, an increase of 8.5% from 36.8 million as of June 30, 2025. * In the second quarter of 2026, financial institutional partners originated 11,554,533 loans(*)(3) through our platform. * Total facilitation and origination loan volume(*)(4) was RMB63,377 million, a decrease of 25.1% from RMB84,609 million in the same period of 2025. RMB31,343 million of such loan volume was under capital-light model, Intelligence Credit Engine (“ICE”) and total technology solutions(*5), a decrease of 10.5% from RMB35,032 million in the same period of 2025. * Total outstanding loan balance(*)(6) was RMB107,562 million as of June 30, 2026, a decrease of 23.2% from RMB140,080 million as of June 30, 2025. RMB53,983 million of such loan balance was under capital-light model, “ICE” and total technology solutions, a decrease of 24.5% from RMB71,530 million as of June 30, 2025. * The weighted average contractual tenor of loans originated by financial institutions across our platform in the second quarter of 2026 was approximately 11.6 months, compared with 10.3 months in the same period of 2025. * 90 day+ delinquency rate(*)(7) of loans originated by financial institutions across our platform was 2.83% as of June 30, 2026. * Repeat borrower contribution(*)(8) of loans originated by financial institutions across our platform for the second quarter of 2026 was 89.4%. (1 Refers to cumulative registered users across our platform.) (2 “Cumulative users with approved credit lines” refers to the total number of users who had submitted their credit applications and were approved with a credit line at the end of each period.) (3 Including 742,821 loans across “V-pocket”, and 10,811,712 loans across other products.) (4 Refers to the total principal amount of loans facilitated and originated during the given period. ) (5 “ICE” is an open platform primarily on our “Qifu Jietiao” APP (previously known as “360 Jietiao”), we match borrowers and financial institutions through big data and cloud computing technology on “ICE”, and provide pre-loan investigation report of borrowers. For loans facilitated through “ICE”, the Company does not bear principal risk. ) (Under total technology solutions, we have been offering end-to-end technology solutions to financial institutions based on on-premise deployment, SaaS or hybrid model since 2023.) (6 “Total outstanding loan balance” refers to the total amount of principal outstanding for loans facilitated and originated at the end of each period, excluding loans delinquent for more than 180 days.) (7 “90 day+ delinquency rate” refers to the outstanding principal balance of on- and off-balance sheet loans that were 91 to 180 calendar days past due as a percentage of the total outstanding principal balance of on- and off-balance sheet loans across our platform as of a specific date. Loans that are charged-off and loans under “ICE” and total technology solutions are not included in the delinquency rate calculation.) (8 “Repeat borrower contribution” for a given period refers to (i) the principal amount of loans borrowed during that period by borrowers who had historically made at least one successful drawdown, divided by (ii) the total loan facilitation and origination volume through our platform during that period.)