MarketCapExport financials
360 DigiTech (QFIN)
The export includes the complete available history of financial statements and ratios. Numbers are provided in full, without million or billion abbreviations, in their original reporting units.
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360 DigiTech Balance Sheet 2025-2011 | QFIN
Brief overview of 360 DigiTech's balance sheet structure
The balance sheet is assessed across five available annual reports spanning 2020 to 2025.
Total assets increased by +133.5%, from 24.4 billion CNY to 56.9 billion CNY. A CAGR near 18.5% points to substantial expansion.
Liabilities increased less than assets, posting +120% versus +133.5%. That relationship usually strengthens the balance sheet.
Given the financial profile, the capital cushion is the main focus. It covers 42.3% of assets versus 38.9% five periods ago.
Retained earnings stand at 24.5 billion CNY; the five-period change was +492.2%. This reflects accumulated business performance.
Overall assessment
360 DigiTech's balance sheet sends more positive than negative signals, but liabilities should not begin outpacing the capital base.
Annual Balance Sheet 360 DigiTech
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Net Debt |
-4.66 B | -4.18 B | -4.06 B | -7.12 B | - | - | - | - | -469 M | -6.17 M | - | - | - | - | - |
Long Term Debt |
14.3 M | 247 M | 90.6 M | 17.9 M | - | - | - | - | - | - | - | - | - | - | - |
Long Term Debt Current |
18.4 M | 27.3 M | 29.1 M | 30.7 M | - | 28.5 M | 21 M | - | - | - | - | - | - | - | - |
Total Non Current Liabilities |
12.4 B | 6.41 B | 3.91 B | 4.66 B | 4.15 B | 1.52 B | 3.47 B | 15.8 M | - | - | - | - | - | - | - |
Total Current Liabilities |
20.4 B | 17.5 B | 19.9 B | 16.7 B | 14.1 B | 13.4 B | 9.67 B | 2.89 B | - | - | - | - | - | - | - |
Total Liabilities |
32.8 B | 23.9 B | 23.8 B | 21.4 B | 18.3 B | 14.9 B | 13.1 B | 2.91 B | 2.35 B | 111 M | - | - | - | - | - |
Deferred Revenue |
789 M | 526 M | 147 M | - | - | - | - | - | - | - | - | - | - | - | - |
Retained Earnings |
24.5 B | 21 B | 16.3 B | 12.8 B | 9.64 B | 4.14 B | 2.07 B | -430 M | -188 M | -21.8 M | - | - | - | - | - |
Total Assets |
56.9 B | 48.1 B | 45.8 B | 40.3 B | 33.5 B | 24.4 B | 20.4 B | 7.35 B | 2.75 B | 89.5 M | - | - | - | - | - |
Cash and Cash Equivalents |
4.7 B | 4.45 B | 4.18 B | 7.17 B | - | 4.42 B | 2.11 B | 1.45 B | 469 M | 6.17 M | - | - | - | - | - |
Book Value |
24.2 B | 24.2 B | 22 B | 18.9 B | 15.2 B | 9.48 B | 7.21 B | 4.44 B | 402 M | -21.8 M | - | - | - | - | - |
Total Shareholders Equity |
24.1 B | 24.2 B | 21.9 B | 18.8 B | 15.2 B | 9.48 B | 7.21 B | 4.44 B | 734 M | - | - | - | - | - | - |
Annual performance
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All numbers in CNY currency
Quarterly Balance Sheet 360 DigiTech
| 2025-Q4 | 2024-Q4 | 2023-Q4 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Long Term Debt |
14.3 M | - | - | - | - | - | - | 13.2 M | - | - | - | 15 M | - | - | - | 31.2 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total Non Current Liabilities |
12.4 B | 6.41 B | 3.91 B | 4.66 B | 4.03 B | 3.82 B | - | 4.15 B | - | - | - | 1.52 B | - | - | - | 3.47 B | - | - | - | 15.8 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total Liabilities |
32.8 B | 23.9 B | 23.8 B | 21.4 B | 22 B | 20.6 B | - | 18.3 B | - | - | - | 14.9 B | - | - | - | 13.1 B | - | - | - | 2.91 B | - | - | - | 2.37 B | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Deferred Revenue |
789 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Retained Earnings |
24.5 B | 21 B | 16.3 B | 12.8 B | 12.1 B | 11.3 B | - | 9.64 B | - | - | - | 4.14 B | - | - | - | 2.07 B | - | - | - | -430 M | - | - | - | 144 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total Assets |
56.9 B | 48.1 B | 45.8 B | 40.3 B | 40 B | 37.7 B | - | 33.5 B | - | - | - | 24.4 B | - | - | - | 20.4 B | - | - | - | 7.35 B | - | - | - | 3.1 B | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Cash and Cash Equivalents |
4.7 B | - | - | - | - | - | - | 6.12 B | - | - | - | 4.42 B | - | - | - | 2.11 B | - | - | - | 1.45 B | - | - | - | 469 M | - | - | - | 6.17 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Book Value |
24.2 B | 24.2 B | 22 B | 18.9 B | 18 B | 17 B | - | 15.2 B | - | - | - | 9.48 B | - | - | - | 7.21 B | - | - | - | 4.44 B | - | - | - | 734 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total Shareholders Equity |
24.1 B | 24.2 B | 21.9 B | 18.9 B | 17.9 B | 17 B | - | 15.2 B | - | - | - | 9.48 B | - | - | - | 7.21 B | - | - | - | 4.44 B | - | - | - | 734 M | - | - | - | -20.7 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Quarterly performance
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All numbers in CNY currency
Balance Sheet is a fundamental financial report of 360 DigiTech, providing a complete picture of the company’s financial position at a specific point in time. Unlike the income statement, which records the results of operations over a certain period, the balance sheet shows what assets the company owns, what liabilities it has to creditors, and what equity is available to the owners.
For an investor, the balance sheet is important because it allows assessing the company’s financial stability, understanding how much debt it carries, and how dependent it is on borrowed financing. It helps calculate key liquidity and leverage ratios. When analyzing, attention should be paid to the debt-to-equity ratio (Debt/Equity), the amount of cash on the balance sheet, and the ratio of current liabilities to liquid assets.
Features of balance sheet analysis- Vertical and horizontal analysis
Vertical analysis shows the structure of the balance sheet as a percentage of total assets or liabilities, while horizontal analysis shows the dynamics of changes over multiple periods. - Asset quality
It is important to evaluate not only the amount of assets but also their liquidity and realizability. - Accounting for off-balance sheet liabilities
Some liabilities may not be directly reflected in the balance sheet, which requires additional attention.
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