Qfin Holdings, Inc. (QFIN)vsWells Fargo & Company (WFC)
QFIN
Qfin Holdings, Inc.
$5.27
-1.50%
FINANCIAL SERVICES · Cap: $640.74M
WFC
Wells Fargo & Company
$85.54
-0.42%
FINANCIAL SERVICES · Cap: $250.35B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 395% more annual revenue ($83.11B vs $16.77B). WFC leads profitability with a 27.6% profit margin vs 22.3%. QFIN trades at a lower P/E of 1.3x. WFC earns a higher WallStSmart Score of 74/100 (B).
QFIN
Buy62
out of 100
Grade: C+
WFC
Strong Buy74
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
Attractively priced relative to earnings
Strong operational efficiency at 34.2%
Keeps 28 of every $100 in revenue as profit
Reasonable price relative to book value
Generating 6.8B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Revenue declined 31.6%
Earnings declined 74.3%
0.4% revenue growth
Elevated debt levels
Distress zone — elevated risk
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 : WFC
The strongest argument for WFC centers on Market Cap, P/E Ratio, Operating Margin. Profitability is solid with margins at 27.6% and operating margin at 34.2%. PEG of 1.30 suggests the stock is reasonably priced for its growth.
Bear Case : QFIN
The primary concerns for QFIN are Market Cap, Piotroski F-Score, Revenue Growth.
Bear Case : WFC
The primary concerns for WFC are Revenue Growth, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
QFIN profiles as a declining stock while WFC is a value play — different risk/reward profiles.
WFC carries more volatility with a beta of 0.95 — expect wider price swings.
WFC is growing revenue faster at 0.4% — sustainability is the question.
WFC generates stronger free cash flow (6.8B), providing more financial flexibility.
Bottom Line
WFC scores higher overall (74/100 vs 62/100), backed by strong 27.6% 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 →Wells Fargo & Company
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Wells Fargo & Company is an American multinational financial services company with corporate headquarters in San Francisco, California, operational headquarters in Manhattan, and managerial offices throughout the United States and overseas.
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