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QFIN vs V

QFIN
Qfin Holdings, Inc.
BULLISH
Price
$14.13
Market Cap
$1.86B
Sector
Financial Services
AI Confidence
75%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
QFIN
2.19
V
28.35
Forward P/E
QFIN
2.78
V
20.79
P/B Ratio
QFIN
0.49
V
15.09
P/S Ratio
QFIN
0.1
V
14.08
EV/EBITDA
QFIN
0.04
V
20.06

Profitability

Gross Margin
QFIN
61.41%
V
97.78%
Operating Margin
QFIN
29.45%
V
68.3%
Profit Margin
QFIN
31.19%
V
50.23%
ROE
QFIN
24.69%
V
53.95%
ROA
QFIN
9.93%
V
18.36%

Growth

Revenue Growth
QFIN
-8.7%
V
14.6%
Earnings Growth
QFIN
-40.9%
V
17.4%

Financial Health

Debt/Equity
QFIN
0.18
V
0.55
Current Ratio
QFIN
2.43
V
1.11
Quick Ratio
QFIN
0.42
V
0.72

Dividends

Dividend Yield
QFIN
10.89%
V
0.89%
Payout Ratio
QFIN
23.85%
V
22.91%

AI Verdict

QFIN BULLISH

QFIN presents a classic deep-value opportunity, characterized by a stable Piotroski F-Score of 4/9 and a massive valuation disconnect, trading at $14.13 against a Graham Number of $64.94. While the company is facing severe earnings contraction (-40.9% YoY) and a completely bearish technical trend (0/100), its fundamental profitability remains robust with an ROE of 24.69% and a very low P/E of 2.19. The high dividend yield of 10.89% is well-supported by a low payout ratio of 23.85%, providing a significant safety buffer. The bullish assessment is based on the extreme margin of safety provided by the Price-to-Book ratio of 0.49.

Strengths
Extreme valuation discount (P/E 2.19, P/B 0.49)
High and sustainable dividend yield (10.89% with 23.85% payout)
Strong profitability metrics (ROE 24.69%, Profit Margin 31.19%)
Risks
Severe YoY earnings decline (-40.90%)
Strongly bearish technical momentum (1Y change -58.1%)
Poor recent earnings track record (only 1 of last 4 quarters beat estimates)
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

QFIN vs V: Head-to-Head Comparison

This page compares Qfin Holdings, Inc. (QFIN) and Visa Inc. (V) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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