Citigroup Inc. (C)vs360 Finance Inc (QFIN)
C
Citigroup Inc.
$127.97
+0.28%
FINANCIAL SERVICES · Cap: $223.88B
QFIN
360 Finance Inc
$13.08
+3.65%
FINANCIAL SERVICES · Cap: $1.54B
Smart Verdict
WallStSmart Research — data-driven comparison
Citigroup Inc. generates 310% more annual revenue ($78.73B vs $19.21B). QFIN leads profitability with a 31.2% profit margin vs 20.4%. QFIN trades at a lower P/E of 2.0x. C earns a higher WallStSmart Score of 82/100 (A-).
C
Exceptional Buy82
out of 100
Grade: A-
QFIN
Buy62
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Reasonable price relative to book value
Strong operational efficiency at 34.1%
Earnings expanding 56.1% YoY
Keeps 20 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 31 of every $100 in revenue as profit
Every $100 of equity generates 25 in profit
Conservative balance sheet, low leverage
Strong operational efficiency at 29.4%
Areas to Watch
ROE of 7.7% — below average capital efficiency
Smaller company, higher risk/reward
Revenue declined 8.7%
Earnings declined 41.1%
Comparative Analysis Report
WallStSmart ResearchBull Case : C
The strongest argument for C centers on Market Cap, Price/Book, Operating Margin. Profitability is solid with margins at 20.4% and operating margin at 34.1%. Revenue growth of 16.9% demonstrates continued momentum.
Bull Case : QFIN
The strongest argument for QFIN centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 31.2% and operating margin at 29.4%.
Bear Case : C
The primary concerns for C are Return on Equity.
Bear Case : QFIN
The primary concerns for QFIN are Market Cap, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
C profiles as a growth stock while QFIN is a declining play — different risk/reward profiles.
C carries more volatility with a beta of 1.08 — expect wider price swings.
C is growing revenue faster at 16.9% — sustainability is the question.
QFIN generates stronger free cash flow (2.5B), providing more financial flexibility.
Bottom Line
C scores higher overall (82/100 vs 62/100), backed by strong 20.4% margins and 16.9% revenue growth. Both earn "Exceptional Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Citigroup Inc.
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Citigroup Inc. is an American multinational investment bank and financial services corporation headquartered in New York City. The company was formed by the merger of banking giant Citicorp and financial conglomerate Travelers Group in 1998; Travelers was subsequently spun off from the company in 2002. Citigroup owns Citicorp, the holding company for Citibank, as well as several international subsidiaries. Citigroup is incorporated in Delaware.
360 Finance Inc
FINANCIAL SERVICES · CREDIT SERVICES · China
360 DigiTech, Inc., operates a digital consumer finance platform under the 360 Jietiao brand in the People's Republic of China. The company is headquartered in Shanghai, the People's Republic of China.
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