WallStSmart

Capital One Financial Corporation (COF)vs360 Finance Inc (QFIN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Capital One Financial Corporation generates 71% more annual revenue ($32.78B vs $19.21B). QFIN leads profitability with a 31.2% profit margin vs 7.5%. QFIN trades at a lower P/E of 2.1x. COF earns a higher WallStSmart Score of 75/100 (B+).

COF

Strong Buy

75

out of 100

Grade: B+

Growth: 9.3Profit: 5.0Value: 4.7Quality: 5.0

QFIN

Buy

62

out of 100

Grade: C+

Growth: 2.7Profit: 9.0Value: 8.3Quality: 7.3
Piotroski: 5/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

COFSignificantly Overvalued (-50.8%)

Margin of Safety

-50.8%

Fair Value

$142.20

Current Price

$185.23

$43.03 premium

UndervaluedFair: $142.20Overvalued
QFINUndervalued (+63.7%)

Margin of Safety

+63.7%

Fair Value

$43.45

Current Price

$13.12

$30.33 discount

UndervaluedFair: $43.45Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

COF6 strengths · Avg: 9.2/10
PEG RatioValuation
0.1910/10

Growing faster than its price suggests

Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Revenue GrowthGrowth
51.6%10/10

Revenue surging 51.6% year-over-year

Market CapQuality
$112.86B9/10

Large-cap with strong market position

Operating MarginProfitability
22.9%8/10

Strong operational efficiency at 22.9%

EPS GrowthGrowth
22.2%8/10

Earnings expanding 22.2% YoY

QFIN6 strengths · Avg: 9.3/10
P/E RatioValuation
2.1x10/10

Attractively priced relative to earnings

Price/BookValuation
0.5x10/10

Reasonable price relative to book value

Profit MarginProfitability
31.2%10/10

Keeps 31 of every $100 in revenue as profit

Return on EquityProfitability
24.7%9/10

Every $100 of equity generates 25 in profit

Debt/EquityHealth
0.269/10

Conservative balance sheet, low leverage

Operating MarginProfitability
29.4%8/10

Strong operational efficiency at 29.4%

Areas to Watch

COF3 concerns · Avg: 2.7/10
Return on EquityProfitability
2.4%3/10

ROE of 2.4% — below average capital efficiency

Profit MarginProfitability
7.5%3/10

7.5% margin — thin

P/E RatioValuation
54.0x2/10

Premium valuation, high expectations priced in

QFIN3 concerns · Avg: 2.3/10
Market CapQuality
$1.73B3/10

Smaller company, higher risk/reward

Revenue GrowthGrowth
-8.7%2/10

Revenue declined 8.7%

EPS GrowthGrowth
-40.9%2/10

Earnings declined 40.9%

Comparative Analysis Report

WallStSmart Research

Bull Case : COF

The strongest argument for COF centers on PEG Ratio, Price/Book, Revenue Growth. Revenue growth of 51.6% demonstrates continued momentum. PEG of 0.19 suggests the stock is reasonably priced for its growth.

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 : COF

The primary concerns for COF are Return on Equity, Profit Margin, P/E Ratio. A P/E of 54.0x leaves little room for execution misses.

Bear Case : QFIN

The primary concerns for QFIN are Market Cap, Revenue Growth, EPS Growth.

Key Dynamics to Monitor

COF profiles as a hypergrowth stock while QFIN is a declining play — different risk/reward profiles.

COF carries more volatility with a beta of 1.14 — expect wider price swings.

COF is growing revenue faster at 51.6% — sustainability is the question.

COF generates stronger free cash flow (6.7B), providing more financial flexibility.

Bottom Line

COF scores higher overall (75/100 vs 62/100) and 51.6% revenue growth. QFIN offers better value entry with a 63.7% margin of safety. Both earn "Strong 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.

Capital One Financial Corporation

FINANCIAL SERVICES · CREDIT SERVICES · USA

Capital One Financial Corporation is an American bank holding company specializing in credit cards, auto loans, banking, and savings accounts, headquartered in McLean, Virginia with operations primarily in the United States.

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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