Qfin Holdings, Inc. (QFIN)vsRoyal Bank of Canada (RY)
QFIN
Qfin Holdings, Inc.
$5.27
-1.50%
FINANCIAL SERVICES · Cap: $640.74M
RY
Royal Bank of Canada
$203.61
-0.47%
FINANCIAL SERVICES · Cap: $281.07B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 300% more annual revenue ($67.15B vs $16.77B). RY leads profitability with a 33.9% profit margin vs 22.3%. QFIN trades at a lower P/E of 1.3x. RY earns a higher WallStSmart Score of 68/100 (B-).
QFIN
Buy62
out of 100
Grade: C+
RY
Strong Buy68
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 32.5%
Keeps 22 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Generating 1.1B in free cash flow
Mega-cap, among the largest globally
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 46.4%
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Revenue declined 31.6%
Earnings declined 74.3%
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : QFIN
The strongest argument for QFIN centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 22.3% and operating margin at 32.5%.
Bull Case : RY
The strongest argument for RY centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.9% and operating margin at 46.4%.
Bear Case : QFIN
The primary concerns for QFIN are Market Cap, Piotroski F-Score, Revenue Growth.
Bear Case : RY
The primary concerns for RY are PEG Ratio, Free Cash Flow, Altman Z-Score. Debt-to-equity of 2.88 is elevated, increasing financial risk.
Key Dynamics to Monitor
QFIN profiles as a declining stock while RY is a mature play — different risk/reward profiles.
RY carries more volatility with a beta of 0.91 — expect wider price swings.
RY is growing revenue faster at 8.9% — sustainability is the question.
QFIN generates stronger free cash flow (1.1B), providing more financial flexibility.
Bottom Line
RY scores higher overall (68/100 vs 62/100), backed by strong 33.9% margins. 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.
Qfin Holdings, 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.
Visit Website →Royal Bank of Canada
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Royal Bank of Canada is a globally diversified financial services company. The company is headquartered in Toronto, Canada.
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