QD vs QFIN

For growth investors, Qudian Inc.

(QD) is the stronger pick with 71. 3% revenue growth year-over-year, versus 5. 4% for Qfin Holdings, Inc. (QFIN). Qfin Holdings, Inc. (QFIN) offers the better valuation at 2. 1x trailing P/E (0. 5x forward), making it the more compelling value choice. Analysts rate Qfin Holdings, Inc. (QFIN) a "Buy" — based on 4 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

On trailing P/E, Qfin Holdings, Inc.

(QFIN) is the cheapest at 2. 1x versus Qudian Inc. at 38. 2x.

Over the past 5 years, Qudian Inc.

(QD) delivered a total return of +38. 6%, compared to -19. 1% for Qfin Holdings, Inc. (QFIN). Over 10 years, the gap is even starker: QFIN returned +16. 1% versus QD's -90. 6%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), Qudian Inc.

(QD) is the lower-risk stock at 1. 15β versus Qfin Holdings, Inc. 's 1. 20β — meaning QFIN is approximately 4% more volatile than QD relative to the S&P 500. On balance sheet safety, Qfin Holdings, Inc. (QFIN) carries a lower debt/equity ratio of 7% versus 7% for Qudian Inc. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Qudian Inc.

(QD) is pulling ahead at 71. 3% versus 5. 4% for Qfin Holdings, Inc. (QFIN). On earnings-per-share growth, the picture is similar: Qudian Inc. grew EPS 172. 2% year-over-year, compared to 60. 7% for Qfin Holdings, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

Qudian Inc.

(QD) is the more profitable company, earning 42. 4% net margin versus 36. 5% for Qfin Holdings, Inc. — meaning it keeps 42. 4% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: QFIN leads at 43. 9% versus -142. 4% for QD. At the gross margin level — before operating expenses — QFIN leads at 61. 8%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

In this comparison, QFIN (9.

3% yield) pays a dividend. QD does not pay a meaningful dividend and should not be held primarily for income.

For long-horizon retirement investors, Qfin Holdings, Inc.

(QFIN) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1. 20), 9. 3% yield). Both have compounded well over 10 years (QFIN: +16. 1%, QD: -90. 6%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.

In terms of investment character: QD is a small-cap high-growth stock; QFIN is a small-cap deep-value stock. QFIN pays a dividend while QD does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.