WallStSmart

360 Finance Inc (QFIN)vsRoyal Bank of Canada (RY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Royal Bank of Canada generates 230% more annual revenue ($63.42B vs $19.21B). RY leads profitability with a 33.1% profit margin vs 31.2%. QFIN trades at a lower P/E of 2.0x. RY earns a higher WallStSmart Score of 68/100 (B-).

QFIN

Buy

62

out of 100

Grade: C+

Growth: 2.7Profit: 9.0Value: 6.7Quality: 7.3
Piotroski: 5/9

RY

Strong Buy

68

out of 100

Grade: B-

Growth: 7.3Profit: 8.0Value: 5.7Quality: 5.0

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

QFIN6 strengths · Avg: 9.3/10
P/E RatioValuation
2.0x10/10

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%

RY6 strengths · Avg: 9.3/10
Market CapQuality
$250.25B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
33.1%10/10

Keeps 33 of every $100 in revenue as profit

Operating MarginProfitability
46.2%10/10

Strong operational efficiency at 46.2%

Free Cash FlowQuality
$37.30B10/10

Generating 37.3B in free cash flow

P/E RatioValuation
16.9x8/10

Attractively priced relative to earnings

Price/BookValuation
2.7x8/10

Reasonable price relative to book value

Areas to Watch

QFIN3 concerns · Avg: 2.3/10
Market CapQuality
$1.54B3/10

Smaller company, higher risk/reward

Revenue GrowthGrowth
-8.7%2/10

Revenue declined 8.7%

EPS GrowthGrowth
-41.1%2/10

Earnings declined 41.1%

RY1 concerns · Avg: 4.0/10
PEG RatioValuation
2.304/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

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%.

Bull Case : RY

The strongest argument for RY centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.1% and operating margin at 46.2%.

Bear Case : QFIN

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

Bear Case : RY

The primary concerns for RY are PEG Ratio.

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 0.92 — expect wider price swings.

RY is growing revenue faster at 7.5% — sustainability is the question.

RY generates stronger free cash flow (37.3B), providing more financial flexibility.

Bottom Line

RY scores higher overall (68/100 vs 62/100), backed by strong 33.1% 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.

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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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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