Capital One Financial Corporation (COF)vsQfin Holdings, Inc. (QFIN)
COF
Capital One Financial Corporation
$210.77
+2.89%
FINANCIAL SERVICES · Cap: $125.67B
QFIN
Qfin Holdings, Inc.
$5.27
-1.50%
FINANCIAL SERVICES · Cap: $640.74M
Smart Verdict
WallStSmart Research — data-driven comparison
Capital One Financial Corporation generates 191% more annual revenue ($48.89B vs $16.77B). QFIN leads profitability with a 22.3% profit margin vs 22.2%. QFIN trades at a lower P/E of 1.3x. COF earns a higher WallStSmart Score of 75/100 (B).
COF
Strong Buy75
out of 100
Grade: B
QFIN
Buy62
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Reasonable price relative to book value
Strong operational efficiency at 37.8%
Large-cap with strong market position
Keeps 22 of every $100 in revenue as profit
Attractively priced relative to earnings
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
Areas to Watch
Weak financial health signals
Distress zone — elevated risk
Smaller company, higher risk/reward
Weak financial health signals
Revenue declined 31.6%
Earnings declined 74.3%
Comparative Analysis Report
WallStSmart ResearchBull Case : COF
The strongest argument for COF centers on PEG Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 22.2% and operating margin at 37.8%. PEG of 0.18 suggests the stock is reasonably priced for its growth.
Bull 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%.
Bear Case : COF
The primary concerns for COF are Piotroski F-Score, Altman Z-Score.
Bear Case : QFIN
The primary concerns for QFIN are Market Cap, Piotroski F-Score, Revenue Growth.
Key Dynamics to Monitor
COF profiles as a mature stock while QFIN is a declining play — different risk/reward profiles.
COF carries more volatility with a beta of 1.04 — expect wider price swings.
COF is growing revenue faster at 6.2% — sustainability is the question.
COF generates stronger free cash flow (7.9B), providing more financial flexibility.
Bottom Line
COF scores higher overall (75/100 vs 62/100), backed by strong 22.2% 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.
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.
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.
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