Financial　performance　is　one　of　the　most　important　factors　for　the　decision　making　in　the　operation　of　Internet　finance　sector.　The　purpose　of　this　study　is　to　examine　the　impacts　of　credit　risk,　liquidity,　profitability,　capital　structure,　and　growth　on　the　financial　performance.　The　empirical　research　is　carried　out　on　the　sample　of　24　listed　companies　steadily　engaged　in　Internet　finance　services　from　2013　to　September　2020.　The　originality　of　the　paper　is　the　industrial　credit　risk　curve　and　the　relationships　between　the　variables,　which　are　expected　to　provide　insights　for　the　healthy　development　of　both　entire　industry　and　individual　enterprises.　©　2021　John　Wiley　&　Sons,　Ltd.