Bank of America Corp (BAC)vs360 Finance Inc (QFIN)
BAC
Bank of America Corp
$53.46
+1.10%
FINANCIAL SERVICES · Cap: $377.03B
QFIN
360 Finance Inc
$13.08
+3.65%
FINANCIAL SERVICES · Cap: $1.54B
Smart Verdict
WallStSmart Research — data-driven comparison
Bank of America Corp generates 471% more annual revenue ($109.59B vs $19.21B). QFIN leads profitability with a 31.2% profit margin vs 29.0%. QFIN trades at a lower P/E of 2.0x. BAC earns a higher WallStSmart Score of 82/100 (A-).
BAC
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 36.0%
Keeps 29 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
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
Elevated debt levels
Negative free cash flow — burning cash
Distress zone — elevated risk
Smaller company, higher risk/reward
Revenue declined 8.7%
Earnings declined 41.1%
Comparative Analysis Report
WallStSmart ResearchBull Case : BAC
The strongest argument for BAC centers on Market Cap, Price/Book, Operating Margin. Profitability is solid with margins at 29.0% and operating margin at 36.0%. Revenue growth of 11.8% 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 : BAC
The primary concerns for BAC are Debt/Equity, Free Cash Flow, Altman Z-Score.
Bear Case : QFIN
The primary concerns for QFIN are Market Cap, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
BAC profiles as a mature stock while QFIN is a declining play — different risk/reward profiles.
BAC carries more volatility with a beta of 1.24 — expect wider price swings.
BAC is growing revenue faster at 11.8% — sustainability is the question.
QFIN generates stronger free cash flow (2.5B), providing more financial flexibility.
Bottom Line
BAC scores higher overall (82/100 vs 62/100), backed by strong 29.0% margins and 11.8% 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.
Bank of America Corp
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
The Bank of America Corporation is an American multinational investment bank and financial services holding company headquartered in Charlotte, North Carolina. Founded in San Francisco, Bank of America was formed through NationsBank's acquisition of BankAmerica in 1998. It is the second largest banking institution in the United States, after JPMorgan Chase, and the eighth largest bank in the world. Bank of America is one of the Big Four banking institutions of the United States. It services approximately 10 percent of all American bank deposits, in direct competition with JPMorgan Chase, Citigroup and Wells Fargo. Its primary financial services revolve around commercial banking, wealth management, and investment banking.
Visit Website →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.
Visit Website →Compare with Other BANKS - DIVERSIFIED Stocks
Want to dig deeper into these stocks?