For Q2 2026, Qifu Technology expects net income between RMB830M and RMB910M, and non-GAAP net income between RMB900M and RMB980M, representing a 47% to 51% year-on-year decline.
Bullish
Qifu Technology achieved robust growth in its user base and approved credit lines, while improving risk performance and operational efficiency, supported by a strong cash position and AI-driven strategic transformation.
Bearish
Qifu Technology experienced significant year-over-year declines in loan volume, revenue, and net income, alongside increased provisions for loans receivable, reflecting persistent regulatory and market uncertainties.