Is Qfin Holdings, Inc. (QFIN) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2024
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Credit Services | ✗ NOT HALAL | |||
| DJIM | Excluded — Credit Services | ✗ NOT HALAL | |||
| MSCI | Excluded — Credit Services | ✗ NOT HALAL | |||
| S&P | Excluded — Credit Services | ✗ NOT HALAL | |||
| FTSE | Excluded — Credit Services | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 61.4% | |
| Operating Margin | 29.4% | |
| Net Margin | 31.2% | |
| Return on Equity (ROE) | 24.7% | |
| Return on Assets (ROA) | 9.9% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $9.3B |
| Free Cash Flow | $9.2B |
| Total Debt | $1.4B |
| Debt-to-Equity | 18.2 |
| Current Ratio | 2.4 |
| Total Assets | $48.1B |
Price & Trading
| Last Close | $12.86 |
| 50-Day MA | $14.99 |
| 200-Day MA | $25.45 |
| Avg Volume | 1.6M |
| Beta | 0.5 |
|
52-Week Range
$12.60
| |
About Qfin Holdings, Inc. (QFIN)
Qfin Holdings, Inc., together with its subsidiaries, operate AI- driven credit-tech platform under the Qifu Jietiao brand in the People's Republic of China. The company provides credit-driven services that match borrowers with financial institutions to conduct borrower acquisition, credit assessment, fund matching, and post-facilitation services; and platform services, including loan facilitation and post-facilitation services to financial institution partners under an intelligence credit engine, referral services, and other technology solutions. It serves financial institutions, consumers, and small and micro-enterprises. The company was formerly known as Qifu Technology, Inc. and changed its name to Qfin Holdings, Inc. in July 2025. Qfin Holdings, Inc. was founded in 2016 and is headquartered in Shanghai, the People's Republic of China.
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Frequently Asked Questions
Is Qfin Holdings, Inc. (QFIN) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), Qfin Holdings, Inc. is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is Qfin Holdings, Inc.'s debt ratio?
Qfin Holdings, Inc.'s debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are Qfin Holdings, Inc.'s key financial metrics?
Qfin Holdings, Inc. has a market capitalization of $1.7B, trailing P/E ratio of 2.0, and revenue of $14.0B. The company maintains a gross margin of 61.4% and a net margin of 31.2%. Return on equity stands at 24.7%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.