| Profit Statement | Dec 2018 | Mar 2019 | Jun 2019 | |
| Net Interest Income | CNY mil | 0.517 | 0.473 | -0.744 |
| Net Fee Income | CNY mil | 223 | 276 | 295 |
| Other Income | CNY mil | 5.21 | 27.8 | 23.9 |
| Total Revenues | CNY mil | 228 | 305 | 319 |
| Operating Profit | CNY mil | 102 | 133 | 115 |
| Provisions | CNY mil | 0 | 0 | 0 |
| Net Profit | CNY mil | 86.5 | 107 | 90.0 |
| Balance Sheet | Dec 2018 | Mar 2019 | Jun 2019 | |
| Interbank Loans | CNY mil | 0 | 0 | 0 |
| Customer Loans | CNY mil | 573 | 920 | 1,623 |
| Total Assets | CNY mil | 1,069 | 1,562 | 2,220 |
| Shareholders' Equity | CNY mil | 646 | 773 | 862 |
| Interbank Borrowing | CNY mil | 0 | 0 | 0 |
| Customer Deposits | CNY mil | 0 | 0 | 0 |
| Issued Debt Securities | CNY mil | 0 | 0 | 0 |
| Ratios | Dec 2018 | Mar 2019 | Jun 2019 | |
| ROE | % | 53.6 | 60.5 | 44.1 |
| ROA | % | 32.4 | 32.6 | 19.0 |
| Costs (As % Of Assets) | % | 47.4 | 52.1 | 43.0 |
| Costs (As % Of Income) | % | 55.5 | 56.2 | 63.9 |
| Net Interest Margin | % | 0.193 | 0.144 | -0.157 |
| Valuation | Dec 2018 | Mar 2019 | Jun 2019 | |
| Price/Earnings (P/E) | 5.55 | 4.91 | 4.48 | |
| Price/Book Value (P/BV) | 2.98 | 2.46 | 1.97 | |
| Dividend Yield | % | 0 | 0 | 0 |
| Earnings Per Share (EPS) | USD | 0.379 | 0.646 | 0.935 |
| Book Value Per Share | USD | 2.83 | 2.58 | 2.84 |
| Dividend Per Share | USD | 0 | 0 | 0 |
Get all company financials in excel:
| summary | Unit | Dec 2018 | Mar 2019 | Jun 2019 |
| income statement | ||||
| Net Interest Income | CNY mil | 0.517 | ||
| Total Revenues | CNY mil | 228 | ||
| Operating Profit | CNY mil | 102 | ||
| Net Profit | CNY mil | 86.5 | ||
| balance sheet | ||||
| Interbank Loans | CNY mil | 0 | ||
| Customer Loans | CNY mil | 573 | ||
| Debt Securities | CNY mil | 0 | ||
| Total Assets | CNY mil | 1,069 | ||
| Shareholders' Equity | CNY mil | 646 | ||
| Interbank Borrowing | CNY mil | 0 | ||
| Customer Deposits | CNY mil | 0 | ||
| Issued Debt Securities | CNY mil | 0 | ||
| ratios | ||||
| ROE | % | 53.6 | ||
| ROA | % | 32.4 | ||
| Costs (As % Of Assets) | % | 47.4 | ||
| Costs (As % Of Income) | % | 55.5 | ||
| Net Interest Margin | % | 0.193 | ||
| Interest Income (As % Of Revenues) | % | 0.226 | ||
| Fee Income (As % Of Revenues) | % | 97.5 | ||
| Equity (As % Of Assets) | % | 60.4 | ||
| Loans (As % Assets) | % | 53.6 | ||
| valuation | ||||
| Market Capitalisation (End Of Period) | USD mil | 1,922 | ||
| Number Of Shares (Average) | mil | 228 | ||
| Share Price (End Of Period) | USD | 8.42 | ||
| Earnings Per Share (EPS) | USD | 0.379 | ||
| Book Value Per Share | USD | 2.83 | ||
| Dividend Per Share | USD | 0 | ||
| Price/Earnings (P/E) | 5.55 | |||
| Price/Book Value (P/BV) | 2.98 | |||
| Dividend Yield | % | 0 |
| income statement | Unit | Dec 2018 | Mar 2019 | Jun 2019 |
| income statement | ||||
| Interest Income | CNY mil | 0.517 | ||
| Interest Cost | CNY mil | 0 | ||
| Net Interest Income | CNY mil | 0.517 | ||
| Net Fee Income | CNY mil | 223 | ||
| Other Income | CNY mil | 5.21 | ||
| Total Revenues | CNY mil | 228 | ||
| Operating Cost | CNY mil | 127 | ||
| Operating Profit | CNY mil | 102 | ||
| Provisions | CNY mil | 0 | ||
| Extra and Other Cost | CNY mil | -0.085 | ||
| Pre-Tax Profit | CNY mil | 102 | ||
| Tax | CNY mil | 15.2 | ||
| Minorities | CNY mil | 0 | ||
| Net Profit | CNY mil | 86.5 |
| balance sheet | Unit | Dec 2018 | Mar 2019 | Jun 2019 |
| balance sheet | ||||
| Cash | CNY mil | 210 | ||
| Interbank Loans | CNY mil | 0 | ||
| Customer Loans | CNY mil | 573 | ||
| Debt Securities | CNY mil | 0 | ||
| Fixed Assets | CNY mil | 0.999 | ||
| Total Assets | CNY mil | 1,069 | ||
| Shareholders' Equity | CNY mil | 646 | ||
| Of Which Minority Interest | CNY mil | 0 | ||
| Liabilities | CNY mil | 423 | ||
| Interbank Borrowing | CNY mil | 0 | ||
| Customer Deposits | CNY mil | 0 | ||
| Issued Debt Securities | CNY mil | 0 | ||
| Other Liabilities | CNY mil | 423 |
| ratios | Unit | Dec 2018 | Mar 2019 | Jun 2019 |
| ratios | ||||
| ROE | % | 53.6 | ||
| ROA | % | 32.4 | ||
| Costs (As % Of Assets) | % | 47.4 | ||
| Costs (As % Of Income) | % | 55.5 | ||
| Net Interest Margin | % | 0.193 | ||
| Interest Spread | % | ... | ||
| Asset Yield | % | 0.193 | ||
| Cost Of Liabilities | % | ... | ||
| Payout Ratio | % | 0 | ||
| Interest Income (As % Of Revenues) | % | 0.226 | ||
| Fee Income (As % Of Revenues) | % | 97.5 | ||
| Other Income (As % Of Revenues) | % | 2.28 | ||
| Equity (As % Of Assets) | % | 60.4 | ||
| Loans (As % Assets) | % | 53.6 | ||
| Cost of Provisions (As % Of Loans) | % | 0 |
| other data | Unit | Dec 2018 | Mar 2019 | Jun 2019 |
| other data | ||||
| On-balance Sheet Loans | RMB mil | 573 |
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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