Qifu Technology announced its fourth quarter and full year performance in 2025: AI innovation acts as ballast to empower the efficiency and speed of credit technology.

On March 18, Chinese financial technology company Qifutech (Nasdaq: QFIN; HKEX: 3660) released its unaudited financial report for the fourth quarter and full year of 2025. In 2025, the credit industry underwent a new round of structural reshaping. Qifutech actively complied with policies and prioritized compliance and risk management. At the same time, continued technological investment played a stabilizing role during the adjustment period, and in 2025, Qifutech achieved steady improvement in the quality and efficiency of financial services in a complex market environment. By the end of 2025, Qifutech had partnered with 167 financial institutions, providing digital credit services to over 63 million credit users. Loans in the fourth quarter amounted to 70.3 billion yuan, with optimized new loan risks. In addition, AI-driven financial technology output business continued to grow rapidly, with Qifushuke collaborating with several banks, achieving a year-on-year business growth rate of 448%, becoming one of the driving forces of diversified growth for the company. Focusing on small and micro finance with AI to help support real development In terms of serving the real economy, Qifutech uses AI to identify the real financial needs of small and micro users, providing more tailored credit products to ensure that financial resources flow more accurately to those in need. By the end of 2025, Qifushuke had identified a total of 41.46 million small and micro operators, including implicit small and micro operators who were not registered in the industrial and commercial system but had stable business operations, with an addition of 277 thousand in the fourth quarter alone. By accurately identifying these operators and analyzing their capital utilization cycles, the platform can provide more suitable financial products at key points of capital turnover, effectively improving the accessibility and timeliness of services. In terms of risk control for small and micro clients, the company uses large models to automatically capture non-linear relationships that traditional models find difficult to identify, accurately uncovering the potential credit risks and repayment capabilities of small and micro business owners, with the model iterating more than ten times in a year. Leveraging this technology, the credit approval rate for small and micro clients is 19.8% higher than the market average, while the risk is reduced by 8.6%. Data shows that 25.7% of new small and micro clients in the fourth quarter had multiple transactions after receiving credit, indicating that services meeting users' needs have been effectively transformed into tangible support for the operation of small and micro businesses, allowing financial resources to truly flow to the end of the real economy. Strong growth in technological output promotes the digitization of the financial industry Continuously exporting the technological capabilities accumulated in serving individuals and small and micro enterprises to financial institutions to drive the industry's technological advancement is one of Qifutech's operational missions. The company's two core intelligent bodies have been widely applied in multiple scenarios and highly recognized by collaborating institutions. The AI Approval Officer uses multimodal technology to automatically identify the materials submitted by customer managers for credit review, providing real-time reminders for corrections and optimizations, significantly increasing the materials' first-pass rate. In the review and approval process of operating loans, the accuracy of identifying substantial risks has reached over 90%. The AI Credit Officer focuses on marketing services and provides full-process marketing intelligence support for front-line customer managers. This product has been applied by a bank and significantly enhances the individual's abilities to handle 200-300 effective leads efficiently. On the business front, the FocusPro solution of Qifushuke focuses on serving banks' autonomous risk control and helping banks build core capabilities. In 2025, it helped partner banks achieve a year-on-year growth in loan volume of about 448%, with an end-of-year balance of 11.8 billion yuan, reaching a new level of business volume. In January of this year, the company, in collaboration with a research team from a university, released and open-sourced FCMBench, the first domestic multimodal large model benchmark tailored for the financial credit scenario. Based on real de-identified business data, this benchmark provides objective standards for financial institutions to assess the capabilities of credit large models, promoting the industry's more standardized and transparent use of artificial intelligence applications. Adhering to compliance and practicing corporate social responsibility Qifutech always prioritizes protecting the legitimate rights and interests of users and maintaining the order of the financial market. In terms of consumer rights protection, Qifutech released the "Consumer Rights Protection Report for 2025". The company upgraded its intelligent customer service system, serving an average of 123,500 users daily, maintaining a user satisfaction rate of 99.1%; throughout the year, it issued 123,000 AI anti-fraud reminders, successfully dissuading 14,800 potential scam victims, avoiding losses of approximately 130 million yuan for users. To combat financial black and gray industries, Qifutech continues to enhance technical enforcement and collaborative governance. In 2025, more than 120,000 black industry users were identified and intervened through data models, resulting in a decrease of approximately 54% in related complaints. Actively cooperating with law enforcement authorities, Qifutech initiated or assisted in handling 12 cases throughout the year, with 6 cases already concluded, resulting in the capture of 253 members of black and gray industry syndicates. At the same time, Qifutech actively uses technological advancements to support rural revitalization. In November of last year, the Wulanchabu Volcano Cloud Broadcasting E-commerce Center supported by the company was completed in Chahar Right Wing Middle Banner, Inner Mongolia. By expanding sales channels through live e-commerce and digital platforms, it helps in upgrading local industries and promoting rural development. As the opening year of the "14th Five-Year Plan", the financial technology industry is undergoing a critical transformation period of quality enhancement. Qifutech will accelerate the formation of a high-quality industry development model with the mode of "technology-driven + compliance-based". It aims to not only be an innovator in industry technology but also a practitioner in serving the real economy, safeguarding financial security, and demonstrating compliance operation. The company will spare no effort to help achieve the goal of "building a universal, safe, and efficient modern financial system" in the "14th Five-Year Plan". Looking ahead to the international market, in 2026, the company will actively explore and experiment simultaneously in multiple overseas markets, accelerating its overseas market layout. Leveraging its mature AI credit technology experience domestically, expanding the boundaries of business development, exploring new opportunities for globalization, and enhancing China's voice in the formulation of global financial technology standards.