Qifu Technology Releases Q4 2025 and Full-Year Results: AI Innovation Serves as Ballast, Empowering Credit Technology Quality and Efficiency Acceleration

On March 18, China-based FinTech company Qifu Technology (Nasdaq: QFIN; HKEX: 3660) announced its unaudited financial results for Q4 2025 and the full year. In 2025, the credit industry underwent a new round of structural reshaping. Qifu Technology actively adapted to policies, prioritizing compliant operations and risk management. Meanwhile, continuous technological investments played a stabilizing role during the adjustment period, enabling Qifu Technology to achieve steady improvements in the quality and efficiency of financial services amid a complex market environment in 2025.

By the end of 2025, Qifu Technology had partnered with 167 financial institutions, providing digital credit services to over 63 million credit users. In Q4, the company disbursed 70.3 billion yuan in loans, with optimized new lending risks. Additionally, AI-driven FinTech output services continued to grow rapidly. Qifu Digital Science and Technology collaborated closely with several banks, achieving a 448% year-over-year increase in annual business, becoming one of the company’s multiple growth drivers.

Deepening AI in Micro and Small Business Finance, Precisely Supporting Real Economy Development

In serving the real economy, Qifu Technology uses AI to identify the genuine financial needs of micro and small users, offering more tailored credit products to direct financial resources accurately to those in need. The AI-based micro and small business identification system can determine the identity of operators through multi-dimensional data modeling. By the end of 2025, Qifu Technology had identified 41.46 million micro and small business operators, including those not registered in official business systems but demonstrating stable operations—adding 277,000 new identifications in Q4 alone. The platform accurately identifies these entities and analyzes their cash flow cycles, providing more suitable financial products at critical points of capital turnover, effectively improving service accessibility and timeliness.

In risk control for micro and small business clients, the company leverages large models to automatically detect nonlinear correlations difficult for traditional models to find, accurately uncovering potential credit risks and repayment capacity of micro and small business owners. The models were iterated over ten times throughout the year. Relying on this technology, micro and small business credit approval rates exceeded the market average by 19.8%, while risk was reduced by 8.6%.

Data shows that among new micro and small business clients in Q4, 25.7% experienced multiple fund withdrawals after receiving credit, demonstrating that services precisely aligned with user needs effectively translated into real financial support, ensuring that financial resources truly reached the end entities.

Strong Growth in Technology Output, Driving Digital and Intelligent Upgrades in the Financial Industry

Qifu Technology continues to export its technological capabilities developed for individual and micro-enterprise services to financial institutions, supporting industry forward-looking technological development. The company has built two core intelligent systems, which have been successfully applied across multiple scenarios and highly recognized by partner institutions.

The AI approval officer, based on multimodal technology, can automatically recognize customer manager-submitted credit review materials, providing real-time reminders for corrections and optimizations. This significantly improves the pass rate of materials on the first attempt. In operational loan review and approval, the accuracy of identifying substantive risks has exceeded 90%. The AI credit officer focuses on marketing services, providing frontline customer managers with full-process intelligent support for marketing activities. This product has been implemented in a bank, greatly enhancing individual operational capacity, enabling customer managers to efficiently serve 200–300 valid leads per person.

On the business front, Qifu Digital Science and Technology’s FocusPro solution, aimed at supporting bank self-risk control and building core capabilities, helped partner banks increase disbursal volume by approximately 448% year-over-year in 2025, with an end-of-year balance reaching 11.8 billion yuan, marking a new level of business scale.

In January this year, the company, in collaboration with academic research teams, released and open-sourced FCMBench, China’s first multimodal large model evaluation benchmark for financial credit scenarios. Built on real, de-identified business data, this benchmark provides an objective standard for financial institutions to assess credit large model capabilities, promoting more standardized and transparent AI applications across the industry.

Upholding Compliance and Fulfilling Corporate Social Responsibility

Qifu Technology always prioritizes safeguarding users’ legal rights and maintaining financial market order. Regarding consumer rights protection, the company released the “Consumer Rights Protection 2025 Report.” The company upgraded its intelligent customer service system, serving an average of 123,500 users daily, with a user satisfaction rate of 99.1%. Throughout the year, it issued 123,000 AI anti-fraud alerts, successfully dissuading 14,800 potential scam victims, preventing approximately 130 million yuan in user losses.

In combating financial black and gray markets, Qifu Technology continuously enhances technical detection and collaborative governance. In 2025, it identified and intervened with over 120,000 black-market users through data modeling, reducing related complaints by about 54%. The company actively cooperated with police to conduct joint operations, leading to 12 cases filed or accepted, with 6 cases concluded and 253 members of black and gray market gangs apprehended.

Additionally, Qifu Technology actively leverages technological strength to support rural revitalization. In November last year, the company supported the completion of the Ulanqab Volcano Cloud E-commerce Center in Inner Mongolia’s Chahar Right Back Banner. Through live-streaming e-commerce and digital platforms, it expanded sales channels for agricultural products, aiding local industry upgrades and rural development.

As the “14th Five-Year Plan” begins, the FinTech industry faces a critical period of quality improvement and transformation. Qifu Technology will accelerate high-quality industry development through a “technology-driven + compliance-based” approach. It aims to be not only an innovator in industry technology but also a practitioner in serving the real economy, safeguarding financial security, and exemplifying compliant operations—contributing fully to the achievement of the “14th Five-Year Plan” goal of building an inclusive, safe, and efficient modern financial system.

Looking ahead to the international market, in 2026, the company will initiate active exploration and expansion in multiple overseas markets, accelerating global deployment. Leveraging its mature domestic AI credit technology experience, it will broaden business development boundaries, explore new opportunities for globalization, and enhance China’s influence in setting global FinTech standards.