Qfin Holdings Inc (NASDAQ:QFIN) is among the best small-cap value stocks to buy according to analysts. The Chinese credit facilitator reported its Q4 and full-year 2025 results on March 17. The company closed 2025 with 291.3 million potential borrowers on its platform, reflecting an increase of 11.5% from the previous year. Users with approved credit lines increased to 63.6 million from 56.9 million in 2024, an increase of 11.8%.

However, the management said the 2025 period was marred by various challenges, including macroeconomic and regulatory uncertainties. The company’s total net revenue rose to RMB19,205.1 million in 2025 from RMB17,165.7 million in 2024. But net income dipped to RMB5,975.6 million from RMB6,248.1 million in 2024.

According to Qfin Holdings Inc (NASDAQ:QFIN) CEO Haisheng Wu, they tightened risk standards and optimized the cost structure to mitigate the impact of the challenges they faced in 2025. The executive said they will maintain prudent business planning as the industry has yet to stabilize. This means the management stands ready to further streamline operations and optimize resource allocations.

Qfin Holdings Inc (NASDAQ:QFIN) plans to pay a half-year dividend of $0.78 per share on May 14 for shareholders of record as of April 22. In 2025, the company returned around $450 million to shareholders through share repurchases.

Qfin Holdings Inc (NASDAQ:QFIN) is a Chinese financial technology company. It primarily provides credit services through an AI-powered platform that matches borrowers with lenders. It helps with things like credit assessment, fund matching, and loan facilitation. Qfin Holdings serves consumers, small businesses, and financial institutions. The company was founded in 2016 and is based in Shanghai, China.