Mission Statement, Vision, & Core Values of 360 DigiTech, Inc. (QFIN)

A company's Mission Statement, Vision, and Core Values aren't just HR boilerplate; they are the strategic scaffolding that allows a Credit-Tech platform like 360 DigiTech, Inc. (QFIN) to facilitate a Q3 2025 loan volume of over RMB83.3 billion (or approximately $11.72 billion). You're looking at a firm that generated a non-GAAP net income of RMB1,508.2 million (around $211.9 million) in that same quarter, and you have to ask: is that success a defintely result of their core philosophy, or just good market timing?

How does a commitment to being a connector, trustworthy, and innovative translate into connecting 167 financial institutional partners with over 62.1 million cumulative users who have approved credit lines? We're going to map 360 DigiTech, Inc.'s foundational principles directly to their operational model, so you can judge if their stated values are truly driving their impressive financial resilience in a challenging regulatory environment.

360 DigiTech, Inc. (QFIN) Overview

You need to understand the core engine driving a fintech company before you can evaluate its stock, and 360 DigiTech, Inc. (QFIN) is a prime example of a technology-first approach to finance. Founded in 2016 as an affiliate of Qihoo 360, the company went public on the NASDAQ in early 2018 and has since evolved into a leading AI-empowered Credit-Tech platform in China. They don't just lend money; they connect creditworthy, underserved consumers and small business owners with a network of over 167 financial institutional partners, using proprietary technology to manage the risk.

The company's core business revolves around digital lending solutions, which include unsecured consumer loans, installment credit products, and working capital financing for micro and small enterprises. Their main product is a loan facilitation platform, leveraging big data analytics and machine learning for precise credit risk assessment (Credit-Tech). They also offer technology solutions, like Software-as-a-Service (SaaS) modules, to institutional clients to help them with everything from customer acquisition to post-lending management. It's a B2B2C model, and it works defintely well.

As of the most recent reporting period, their operational scale is massive. By the end of the third quarter of 2025, their platform had reached 283.7 million cumulative consumers. This strong user base translates directly into significant sales: total net revenue for Q3 2025 was RMB 5,205.7 million (US$731.2 million), which is a solid indicator of their current market penetration.

Q3 2025 Financial Performance: Growth in Tech Solutions

Looking at the latest unaudited financial results for the third quarter ended September 30, 2025, 360 DigiTech, Inc. delivered a strong performance, especially when you consider the persistent economic uncertainty in the market. The total net revenue of RMB 5,205.7 million was slightly down sequentially from Q2 2025, but the underlying product mix shows a strategic shift toward high-growth areas.

The revenue from their core credit-driven services (capital heavy) actually increased sequentially, hitting CNY 3.87 billion in Q3 2025, up from CNY 3.57 billion in Q2 2025. But the real story is the growth in their Technology Solutions business. This is the part of the platform where they provide their AI and risk management expertise to banks, and the loan volume supported by this segment saw an exponential, record-breaking increase of roughly 218% on a sequential basis in the quarter.

Here's the quick math on profitability and cash flow: Non-GAAP net income for the quarter was a healthy RMB 1,508.2 million (US$211.9 million), and the company generated approximately RMB 2.50 billion in cash from operations. Plus, their aggressive use of the ABS (Asset-Backed Securities) market saw total issuance grow 41% year-over-year to RMB 18.9 billion in the first nine months of 2025, optimizing their funding structure. That's a huge capital advantage.

• Total Q3 2025 Revenue: RMB 5,205.7 million.
• Non-GAAP Net Income: RMB 1,508.2 million.
• Technology Solutions Loan Volume Growth (QoQ): Approximately 218%.
• Cash from Operations (Q3 2025): Approximately RMB 2.50 billion.

Cementing Leadership with AI-Powered Credit-Tech

360 DigiTech, Inc. is not just a participant; it is one of the leading AI-empowered Credit-Tech platforms in China, a position they are actively working to cement. Their competitive edge is built on their AI-powered credit decision engine, which allows them to maintain an industry-leading pricing power and secure ample funding at stable costs, even when liquidity is tight.

They are using the strength of their balance sheet-total cash and short-term investments stood at approximately RMB 14.3 billion at the end of Q3 2025-to navigate regulatory shifts and strategic growth. This financial cushion gives them the resources to continue advancing their 'AI plus banking' strategy, which is critical for their long-term competitive advantage in the digital transformation of financial institutions. To understand how they maintain such a strong financial position, you should read Breaking Down 360 DigiTech, Inc. (QFIN) Financial Health: Key Insights for Investors.

360 DigiTech, Inc. (QFIN) Mission Statement

You're looking for the bedrock of an investment, and for a company like 360 DigiTech, Inc. (QFIN), that means understanding their mission. This isn't just corporate boilerplate; it's the strategic compass that guides capital allocation, product development, and risk management. For QFIN, the mission statement is a clear, three-part directive: Be a connector, Be trustworthy, and Be innovative. This framework is what has allowed them to navigate the volatile Credit-Tech market and deliver a Q3 2025 non-GAAP net income of RMB 1.51 billion.

Their mission is the lens through which we, as analysts, view their operational execution. It explains why they focus on technology-driven solutions for underserved consumers and small businesses, rather than just chasing volume. That focus is defintely the key to understanding their long-term value creation.

Core Component 1: Be a Connector

The first pillar of the mission, Be a connector, is all about bridging the gap between capital supply and credit demand. QFIN isn't a bank; they are a platform, an AI-empowered Credit-Tech intermediary. Their value is in efficiently matching financial institutions with borrowers who need credit, especially in lower-tier cities and rural areas.

Here's the quick math on their reach: By the end of the third quarter of 2025, their platform had served a cumulative base of over 62 million credit line users. Plus, that same AI-powered platform was actively serving 167 financial institutions. This connection engine facilitated a total loan facilitation and origination volume of RMB 83.3 billion in Q3 2025 alone. You can see the scale is massive, and it's the sheer volume of these connections that drives their CNY 5.21 billion in Q3 2025 net revenue.

• Connects capital to need efficiently.
• Drives volume with AI matching.

Core Component 2: Be Trustworthy

In the fintech space, trustworthiness (or risk control) is the absolute core of profitability. If your risk models fail, the whole business collapses. QFIN addresses the Be trustworthy component by prioritizing a stable risk framework and focusing on high-quality users, which is a clear, actionable strategy. They use proprietary credit assessment technologies and big data analytics to automate risk management (underwriting).

The results speak for themselves: despite industry headwinds, QFIN reported a stable delinquency rate and a high repeat borrower contribution in their Q3 2025 results. This stability is a direct outcome of their strategic priority to onboard high-quality users and optimize their overall user mix, a move they believe is critical to strengthening their long-term competitive edge. Honestly, a stable delinquency rate in a tightening macro environment is a strong signal that their AI-driven credit decision engine is working as intended. For a deeper dive into how this impacts their balance sheet, you should check out Breaking Down 360 DigiTech, Inc. (QFIN) Financial Health: Key Insights for Investors.

Core Component 3: Be Innovative

The final component, Be innovative, is what keeps QFIN ahead in a fast-evolving market. Innovation here means leveraging artificial intelligence (AI) and machine learning (ML) to constantly improve their product suite and operational efficiency. It's not about flashy new apps; it's about better unit economics and user lifetime value.

A concrete example is the exponential growth in their Technology Solutions business. In Q3 2025, the loan volume supported by this segment saw a sequential increase of roughly 218%. This huge jump shows that their AI-plus-banking strategy-empowering financial institutions with end-to-end technology support in customer acquisition and risk management-is gaining serious traction. They added approximately 1.95 million new credit line users in Q3 2025, a testament to their refined, AI-supported acquisition channels. This focus on technology is what allows them to deliver a superior user experience and refine products to meet evolving user needs.

360 DigiTech, Inc. (QFIN) Vision Statement

You're looking for the bedrock of a company, not just the quarterly report, and with 360 DigiTech, Inc. (QFIN), their vision is a clear map of their business model. The company's vision isn't some vague corporate aspiration; it's a two-part, highly practical directive that focuses squarely on their two core customer groups: the individual borrower and the institutional funding partner. That dual focus is what drives their technology investment.

As of November 2025, the market is watching how they execute this vision amid evolving regulatory environments, particularly in China's credit-tech sector. The numbers show their platform is defintely a major player, but the vision dictates the quality of that growth.

Create a Better Experience for Consumers to Obtain Credit

This part of the vision is about using technology to solve a real-world problem: making credit more accessible and faster for underserved borrowers. For a financial technology platform (fintech), a better experience means fewer headaches and quicker decisions. This is where their investment in artificial intelligence (AI) and data analytics pays off.

The core of this strategy is their AI-powered credit decision engine. It's their secret sauce for managing risk while still extending credit to a broader consumer base. By the end of the third quarter of 2025, 360 DigiTech, Inc. had served over 62 million credit line users on a cumulative basis. That's a massive scale of consumer engagement.

The goal is to turn a multi-day loan application process into a near-instantaneous digital transaction. Honestly, that speed and reach are what define a modern credit platform.

• Streamline application processes with AI.
• Improve credit risk assessment accuracy.
• Expand access for prime, underserved borrowers.

Create Better Value for Funding Partners

The second pillar is just as important, focusing on the financial institutions-the banks and other lenders-who actually provide the capital. 360 DigiTech, Inc. acts as a connector, delivering high-quality, pre-screened customers and risk management tools to these partners.

Value for a funding partner translates directly into better returns and lower default rates. The company offers standardized risk management services, often delivered as Software-as-a-Service (SaaS) modules, which helps institutional clients optimize their funding and risk profiles. By the close of Q3 2025, their platform was actively serving 167 financial institutions.

Here's the quick math on their platform's efficiency: the company reported a quarterly revenue of approximately $731.042 million for the period ending September 30, 2025, showing significant operational scale in facilitating these partnerships. This kind of volume and institutional trust is a strong indicator of the value they're creating. If you want to dive deeper into the financial mechanics of this value creation, you can check out Breaking Down 360 DigiTech, Inc. (QFIN) Financial Health: Key Insights for Investors.

The Core Principles Driving Execution (Mission and Values)

The vision is the 'what,' but the mission and core values are the 'how.' 360 DigiTech, Inc.'s mission statement is concise, acting as a set of operating principles: Be a connector. Be trustworthy. Be innovative. These are the non-negotiables that guide their daily operations and strategic decisions.

The focus on 'trustworthy' is crucial, especially in a heavily regulated industry. The management team noted in their Q3 2025 earnings call that they are taking a cautious approach in business planning for the near term, focusing on risk control to navigate the fast-changing market dynamics. This realism is key to long-term sustainability.

The company's forward-looking guidance reflects this balanced approach. For the fourth quarter of 2025, they expect to generate non-GAAP net income between CNY 1 billion and CNY 1.2 billion. That's a clear signal that they are prioritizing profitable, sustainable growth over reckless expansion, which is exactly what 'trustworthy' should mean to investors.

360 DigiTech, Inc. (QFIN) Core Values

You're looking for the foundational principles driving 360 DigiTech, Inc. (QFIN), and I'll tell you this: their mission is direct and their values are actionable. They operate on a clear, three-part mandate-to be a connector, to be trustworthy, and to be innovative-which is the engine behind their financial technology (fintech) platform. This isn't just corporate speak; it maps directly to their operational and financial performance, particularly in the competitive 2025 market.

Their focus remains on leveraging artificial intelligence (AI) and big data to facilitate lending, which is why their core values are so tied to technology and risk management. If you want to understand the stock's stability and growth trajectory, you defintely need to see how these values translate into real-world numbers.

The 'Be a Connector' value is the core of 360 DigiTech's business model: acting as the crucial link between a broad consumer base and financial institutions. This is the essence of their platform-based, capital-light approach, which minimizes their balance sheet risk while maximizing reach. They are actively working to serve the underserved consumer and small business markets, improving access to credit for those in lower-tier cities and rural areas.

This commitment shows up in their Q3 2025 operational metrics. By the end of the quarter, their AI-powered asset distribution platform was serving a significant network of 167 financial institutions. Plus, their cumulative user base with approved credit lines has grown to over 62 million. This scale is proof that the connector model is working, generating platform service revenue of CNY 1.34 billion in Q3 2025 alone.

• Connects borrowers with funding partners.
• Expands financial inclusivity for micro-enterprises.

For more on how this model works, you can read our deep dive: 360 DigiTech, Inc. (QFIN): History, Ownership, Mission, How It Works & Makes Money.

In the fintech space, trustworthiness is synonymous with resolute risk management and regulatory compliance. For 360 DigiTech, this value is a prerequisite for maintaining their partnerships with established financial institutions. They must demonstrate a stable, predictable platform, especially in a fast-changing regulatory environment.

Their focus on risk control is a primary factor in their funding success. For the first nine months of 2025, their total Asset-Backed Securities (ABS) issuance grew by a strong 41% year-over-year, reaching RMB 18.9 billion. This massive issuance volume, which optimizes their funding structure, is a direct signal of the market's trust in their underlying asset quality and risk assessment capabilities. They are consistently prioritizing risk management over aggressive expansion, which is why they reported a stable delinquency rate in Q3 2025.

• Prioritizes risk control in all operations.
• Maintains stable asset quality for funding partners.

The company is fundamentally a Credit-Tech platform, so innovation is a non-negotiable value. This means continuous, significant investment in their proprietary technology stack, especially in AI and machine learning models for credit risk assessment. Their entire competitive advantage hinges on their ability to assess creditworthiness faster and more accurately than traditional methods.

The results of this investment are clear in their operating efficiency. In Q3 2025, the number of new credit line users grew by 9% to 1.95 million. Crucially, the average cost per new credit line user declined by 8%. Here's the quick math: more users at a lower acquisition cost means their AI-driven customer targeting and risk models (like their Intelligence Credit Engine, or ICE) are becoming more efficient and precise. This technological edge is what drove their total net revenue to CNY 5.21 billion in Q3 2025.

• Invests heavily in AI and machine learning.
• Drives efficiency with data-driven credit models.