Qfin Holdings, Inc. (QFIN)vsVisa Inc. Class A (V)
QFIN
Qfin Holdings, Inc.
$5.27
-1.50%
FINANCIAL SERVICES · Cap: $640.74M
V
Visa Inc. Class A
$420.37
-1.20%
FINANCIAL SERVICES · Cap: $773.00B
Smart Verdict
WallStSmart Research — data-driven comparison
Visa Inc. Class A generates 174% more annual revenue ($45.90B vs $16.77B). V leads profitability with a 51.2% profit margin vs 22.3%. QFIN trades at a lower P/E of 1.3x. V earns a higher WallStSmart Score of 70/100 (B).
QFIN
Buy62
out of 100
Grade: C+
V
Strong Buy70
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
Every $100 of equity generates 64 in profit
Keeps 51 of every $100 in revenue as profit
Strong operational efficiency at 63.7%
Earnings expanding 21.9% YoY
Generating 6.1B in free cash flow
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
Premium valuation, high expectations priced in
Grey zone — moderate risk
Trading at 21.6x book value
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 : V
The strongest argument for V centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 51.2% and operating margin at 63.7%. Revenue growth of 13.2% demonstrates continued momentum.
Bear Case : QFIN
The primary concerns for QFIN are Market Cap, Piotroski F-Score, Revenue Growth.
Bear Case : V
The primary concerns for V are PEG Ratio, P/E Ratio, Altman Z-Score.
Key Dynamics to Monitor
QFIN profiles as a declining stock while V is a mature play — different risk/reward profiles.
V carries more volatility with a beta of 0.77 — expect wider price swings.
V is growing revenue faster at 13.2% — sustainability is the question.
V generates stronger free cash flow (6.1B), providing more financial flexibility.
Bottom Line
V scores higher overall (70/100 vs 62/100), backed by strong 51.2% margins and 13.2% revenue growth. 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 →Visa Inc. Class A
FINANCIAL SERVICES · CREDIT SERVICES · USA
Visa Inc. is an American multinational financial services corporation headquartered in Foster City, California, United States. It facilitates electronic funds transfers throughout the world, most commonly through Visa-branded credit cards, debit cards and prepaid cards. Visa is one of the world's most valuable companies.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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