360 Finance (QFIN) revenue breakdown

Financial Services · Credit Services · Market cap $679M

By product, Financing income is the largest at 45% of fiscal 2025 revenue; Other Services Risk Free Model grew fastest, 110% a year over 7 years.

Revenue by product

Fiscal years, as 360 Finance reports them in its 10-K filings; fiscal 2025 total $19.2B.

Products201720182019202020212022202320242025Share
Financing income$51M$268M$1.3B$2.2B$2.2B$3.5B$5.1B$6.6B$8.6B 45%
Revenue from releasing of guarantee liabilities—$25M$285M$4.5B$5.6B$5.9B$4.7B$3.7B$3.4B 18%
Referral services fees—$211M$376M$265M$620M$561M$950M$2.8B$2.7B 14%
Other Services Risk Free Model—$7M$16M$68M$148M$282M$387M$487M$1.3B 7%
Revenue from loan facilitation services—$3.1B$4.4B$3.2B$1.4B$1.4B$1.1B$639M$1.1B 6%
Revenue from loan facilitation services—$50M$673M$1.4B$4.5B$2.7B$2.1B$1.2B$684M 4%
Revenue from post-facilitation services—$9M$142M$410M$1.2B$1.5B$1.1B$870M$479M 2%
Revenue from post-facilitation services—$749M$1.9B$1.4B$927M$644M$585M$378M$462M 2%
Other services fees—$70M$145M$116M$96M$113M$216M$371M$390M 2%
Revenue from loan facilitation services$552M———————— —
Revenue from post-origination services$95M———————— —
Referral services fees$84M———————— —
Other services fees$5M———————— —
Releasing of guarantee liabilities$331,000———————— —
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Questions

Where does 360 Finance make its money?

In fiscal 2025, by product: Financing income $8.6B, Revenue from releasing of guarantee liabilities $3.4B, Referral services fees $2.7B, Other Services Risk Free Model $1.3B, Revenue from loan facilitation services $1.1B.

From 360 Finance's annual reports filed with the SEC (XBRL data), standardised by Investingly. Information only, not investment advice.