| Profit Statement | 2016 | 2017 | 2018 | |
| Net Interest Income | CNY mil | 0 | 51.0 | 268 |
| Net Fee Income | CNY mil | 1.66 | 647 | 3,866 |
| Other Income | CNY mil | 0 | 89.8 | 314 |
| Total Revenues | CNY mil | 1.66 | 788 | 4,447 |
| Operating Profit | CNY mil | -28.5 | 260 | 1,827 |
| Provisions | CNY mil | 0.108 | 49.9 | 182 |
| Net Profit | CNY mil | -20.7 | 165 | -1,904 |
| Balance Sheet | 2016 | 2017 | 2018 | |
| Interbank Loans | CNY mil | 0 | 488 | 568 |
| Customer Loans | CNY mil | 0.009 | 1.19 | 811 |
| Total Assets | CNY mil | 90.4 | 3,099 | 7,350 |
| Shareholders' Equity | CNY mil | -20.7 | 734 | 4,440 |
| Interbank Borrowing | CNY mil | 0 | 537 | 300 |
| Customer Deposits | CNY mil | 0 | 0 | 0 |
| Issued Debt Securities | CNY mil | 5.77 | 301 | 1,399 |
| Ratios | 2016 | 2017 | 2018 | |
| ROE | % | 100 | 46.2 | -73.6 |
| ROA | % | -22.9 | 10.3 | -36.5 |
| Costs (As % Of Assets) | % | 33.4 | 33.1 | 50.2 |
| Costs (As % Of Income) | % | 1,821 | 67.0 | 58.9 |
| Net Interest Margin | % | 0 | 3.20 | 5.13 |
| NPLs (As % Of Loans) | % | 0 | 0.400 | 0.900 |
| Provisions (As % Of NPLs) | % | ... | 24,230 | 1,627 |
| Valuation | 2016 | 2017 | 2018 | |
| Price/Earnings (P/E) | ... | ... | 9.11 | |
| Price/Book Value (P/BV) | ... | ... | 3.50 | |
| Earnings Per Share (EPS) | USD | ... | ... | 1.72 |
| Book Value Per Share | USD | ... | ... | 4.49 |
Get all company financials in excel:
| income statement | Unit | 2016 | 2017 | 2018 |
| income statement | ||||
| Net Interest Income | CNY mil | 0 | ||
| Net Fee Income | CNY mil | 1.66 | ||
| Other Income | CNY mil | 0 | ||
| Total Revenues | CNY mil | 1.66 | ||
| Operating Cost | CNY mil | 30.2 | ||
| Operating Profit | CNY mil | -28.5 | ||
| Provisions | CNY mil | 0.108 | ||
| Extra and Other Cost | CNY mil | -0.003 | ||
| Pre-Tax Profit | CNY mil | -28.6 | ||
| Tax | CNY mil | 7.92 | ||
| Minorities | CNY mil | 0 | ||
| Net Profit | CNY mil | -20.7 | ||
| growth rates | ||||
| Net Interest Income Growth | % | ... | ... | |
| Net Fee Income Growth | % | ... | ||
| Total Revenue Growth | % | ... | ||
| Operating Cost Growth | % | ... | ||
| Operating Profit Growth | % | ... | ||
| Pre-Tax Profit Growth | % | ... | ||
| Net Profit Growth | % | ... | ||
| market share | ||||
| Market Share in Revenues | % | < 0.001 | ... |
| balance sheet | Unit | 2016 | 2017 | 2018 |
| balance sheet | ||||
| Cash | CNY mil | 6.17 | ||
| Interbank Loans | CNY mil | 0 | ||
| Customer Loans | CNY mil | 0.009 | ||
| Total Assets | CNY mil | 90.4 | ||
| Shareholders' Equity | CNY mil | -20.7 | ||
| Of Which Minority Interest | CNY mil | 0 | ||
| Liabilities | CNY mil | 111 | ||
| Interbank Borrowing | CNY mil | 0 | ||
| Customer Deposits | CNY mil | 0 | ||
| Issued Debt Securities | CNY mil | 5.77 | ||
| Other Liabilities | CNY mil | 105 | ||
| asset quality | ||||
| Non-Performing Loans | CNY mil | 0 | ||
| Gross Loans | CNY mil | 0.117 | ||
| Total Provisions | CNY mil | 0.108 | ||
| growth rates | ||||
| Customer Loan Growth | % | ... | ||
| Total Asset Growth | % | ... | ||
| Shareholders' Equity Growth | % | ... | ||
| market share | ||||
| Market Share in Customer Loans | % | < 0.001 | ... | |
| Market Share in Total Assets | % | < 0.001 | ... | |
| Market Share in Customer Deposits | % | 0 | ... |
| ratios | Unit | 2016 | 2017 | 2018 |
| ratios | ||||
| ROE | % | 100 | ||
| ROA | % | -22.9 | ||
| Costs (As % Of Assets) | % | 33.4 | ||
| Costs (As % Of Income) | % | 1,821 | ||
| Net Interest Margin | % | 0 | ||
| Asset Yield | % | ... | ||
| Interest Income (As % Of Revenues) | % | 0 | ||
| Fee Income (As % Of Revenues) | % | 100 | ||
| Other Income (As % Of Revenues) | % | 0 | ||
| Equity (As % Of Assets) | % | -22.9 | ||
| Loans (As % Assets) | % | 0.010 | ||
| NPLs (As % Of Loans) | % | 0 | ||
| Provisions (As % Of NPLs) | % | ... | ||
| Provisions (As % Of Loans) | % | 1,169 | ||
| Cost of Provisions (As % Of Loans) | % | 1,169 |
| other data | Unit | 2016 | 2017 | 2018 |
| other data | ||||
| Employees | ... | ... | ||
| Total Loan Book | RMB mil | ... | ||
| On-balance Sheet Loans | RMB mil | 0.009 | ||
| Off-balance Sheet Loans | RMB mil | ... | ||
| Off-balance Sheet Loans (As % of Total) | % | ... | ||
| On-balance Sheet Loans (As % of Total) | % | ... | ||
| Loan Facilitation Income (As % of Off BS Loans) | % | ... | ||
| Loss of Guarantee Liability (As % of off-BS Loans) | % | ... | ||
| Cost of Risk (incl. Off BS Loans) | % | ... | ... | |
| Equity (As % of Off- and On BS Loans) | % | ... | ||
| Loan Facilitation & Servicing Fee | CNY mil | 1.62 | ||
| Processing and Servicing Cost | CNY mil | 13.2 | ||
| Provision for Credit Losses of Contract Assets and Service Fees Receivable | CNY mil | 0.108 | ||
| Profit on Off-Balance Sheet Loans | CNY mil | -11.7 | ||
| Volume of Off-Balance Sheet Loans | CNY mil | ... | ||
| Profit on Off-Balance Sheet Loans (As % of Off-Balance Sheet Loans) | % | ... | ||
| Profit on Off-Balance Sheet Loans (As % of Pre-Tax Profit) | CNY mil | 0.407 |
Get all company financials in excel:
360 Finance Inc has been growing its revenues and asset by % and % a year on average in the last 3 years. Its loans and deposits have grown by % and % a year during that time and loans to deposits ratio reached at the end of 2018. The company achieved an average return on equity of % in the last three years with net profit growing % a year on average. In terms of operating efficiency, its cost to income ratio reached in 2018, compared to % average in the last three years.
Equity represented of total assets or of loans at the end of 2018. 360 Finance Inc's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2018.
360 Finance Inc stock traded at per share at the end of 2018 resulting in a market capitalization of . Over the previous three years, stock price rose by 0% or 0% a year on average. That’s compared to an average ROE of % the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of x and price to book value (PBV) of x in 2018.
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