QFIN
Qfin Holdings, Inc.
Financial - Credit Services
Market Cap$3.90B
5Y Perf.+36.8%
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Stock Comparison
QFIN vs LX
Revenue, margins, valuation, and 5-year total return — side by side.
LX
LexinFintech Holdings Ltd.
Financial - Credit Services
Market Cap$154M
5Y Perf.-73.5%
QFIN vs LX — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | QFIN | LX |
|---|---|---|
| Industry | Financial - Credit Services | Financial - Credit Services |
| Market Cap | $3.90B | $154M |
| Revenue (TTM) | $17.17B | $14.20B |
| Net Income (TTM) | $6.89B | $1.61B |
| Gross Margin | 61.8% | 35.4% |
| Operating Margin | 43.9% | 16.1% |
| Forward P/E | 0.5x | 0.4x |
| Total Debt | $1.65B | $5.27B |
| Cash & Equiv. | $4.45B | $2.25B |
QFIN vs LX — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
QFIN
LX
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Qfin Holdings, Inc. (QFIN) | 100 | 136.8 | +36.8% |
| LexinFintech Holdin… (LX) | 100 | 26.5 | -73.5% |
Price return only. Dividends and distributions are not included.
Quick Verdict: QFIN vs LX
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: QFIN leads in 5 of 7 categories, making it the strongest pick for profitability and margin quality and capital preservation and lower volatility. LexinFintech Holdings Ltd. is the stronger pick specifically for growth and revenue expansion and valuation and capital efficiency. As sector peers, any of these can serve as alternatives in the same allocation.
QFIN
Qfin Holdings, Inc.
The Banking Pick
QFIN carries the broadest edge in this set and is the clearest fit for income & stability and long-term compounding.
- Dividend streak 1 yrs, beta 1.20, yield 8.9%
- 19.3% 10Y total return vs LX's -73.2%
- Lower volatility, beta 1.20, Low D/E 6.8%, current ratio 2.45x
Best for: income & stability and long-term compounding
LX
LexinFintech Holdings Ltd.
The Banking Pick
LX is the clearest fit if your priority is growth exposure.
- Rev growth 8.8%, EPS growth 2.5%
- 8.8% NII/revenue growth vs QFIN's 5.4%
- Lower P/E (0.4x vs 0.5x)
Best for: growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | LX | 8.8% NII/revenue growth vs QFIN's 5.4% |
| Value | LX | Lower P/E (0.4x vs 0.5x) |
| Quality / Margins | QFIN | Efficiency ratio 0.2% vs LX's 0.2% (lower = leaner) |
| Stability / Safety | QFIN | Beta 1.20 vs LX's 1.25, lower leverage |
| Dividends | QFIN | 8.9% yield, 1-year raise streak, vs LX's 6.6% |
| Momentum (1Y) | QFIN | -63.5% vs LX's -70.8% |
| Efficiency (ROA) | QFIN | Efficiency ratio 0.2% vs LX's 0.2% |
QFIN vs LX — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2024
FY 2024
QFIN vs LX — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLQFINLAGGINGLX
LXLexinFintech Holdings…
1leads
QFINQfin Holdings, Inc.
4leads
6 Total Categories
CATEGORYLEADERvs LXMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
QFIN4/5
Valuation MetricsMultiples, price ratios, and targets
LX5/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
QFIN7/8
Total Returns1Y, 3Y, 5Y total returns with dividends
QFIN4/6
Risk & VolatilityBeta, volatility, and downside exposure
QFIN2/2
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
QFIN leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
QFIN and LX operate at a comparable scale, with $17.2B and $14.2B in trailing revenue. QFIN is the more profitable business, keeping 36.5% of every revenue dollar as net income compared to LX's 7.7%.
| Metric | QFINQfin Holdings, In… | LXLexinFintech Hold… |
|---|---|---|
| RevenueTrailing 12 months | $17.2B | $14.2B |
| EBITDAEarnings before interest/tax | $8.0B | $1.8B |
| Net IncomeAfter-tax profit | $6.9B | $1.6B |
| Free Cash FlowCash after capex | $10.8B | $0 |
| Gross MarginGross profit ÷ Revenue | +61.8% | +35.4% |
| Operating MarginEBIT ÷ Revenue | +43.9% | +16.1% |
| Net MarginNet income ÷ Revenue | +36.5% | +7.7% |
| FCF MarginFCF ÷ Revenue | +53.5% | +5.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -9.7% | +110.3% |
QFIN leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
LX leads this category, winning 5 of 6 comparable metrics.
Valuation Metrics
At 2.2x trailing earnings, QFIN trades at a 1% valuation discount to LX's 2.3x P/E. On an enterprise value basis, LX's 1.7x EV/EBITDA is more attractive than QFIN's 3.1x.
| Metric | QFINQfin Holdings, In… | LXLexinFintech Hold… |
|---|---|---|
| Market CapShares × price | $3.9B | $154M |
| Enterprise ValueMkt cap + debt − cash | $3.5B | $596M |
| Trailing P/EPrice ÷ TTM EPS | 2.24x | 2.27x |
| Forward P/EPrice ÷ next-FY EPS est. | 0.49x | 0.36x |
| PEG RatioP/E ÷ EPS growth rate | 0.11x | — |
| EV / EBITDAEnterprise value multiple | 3.13x | 1.67x |
| Price / SalesMarket cap ÷ Revenue | 1.55x | 0.07x |
| Price / BookPrice ÷ Book value/share | 0.59x | 0.23x |
| Price / FCFMarket cap ÷ FCF | 2.90x | 1.26x |
LX leads this category, winning 5 of 6 comparable metrics.
Profitability & Efficiency
QFIN leads this category, winning 7 of 8 comparable metrics.
Profitability & Efficiency
QFIN delivers a 28.8% return on equity — every $100 of shareholder capital generates $29 in annual profit, vs $15 for LX. QFIN carries lower financial leverage with a 0.07x debt-to-equity ratio, signaling a more conservative balance sheet compared to LX's 0.49x. On the Piotroski fundamental quality scale (0–9), LX scores 8/9 vs QFIN's 7/9, reflecting strong financial health.
| Metric | QFINQfin Holdings, In… | LXLexinFintech Hold… |
|---|---|---|
| ROE (TTM)Return on equity | +28.8% | +14.7% |
| ROA (TTM)Return on assets | +12.2% | +7.2% |
| ROICReturn on invested capital | +23.1% | +11.0% |
| ROCEReturn on capital employed | +35.6% | +19.5% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 8 |
| Debt / EquityFinancial leverage | 0.07x | 0.49x |
| Net DebtTotal debt minus cash | -$2.8B | $3.0B |
| Cash & Equiv.Liquid assets | $4.5B | $2.3B |
| Total DebtShort + long-term debt | $1.7B | $5.3B |
| Interest CoverageEBIT ÷ Interest expense | — | 153.26x |
QFIN leads this category, winning 7 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
QFIN leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in QFIN five years ago would be worth $8,361 today (with dividends reinvested), compared to $3,460 for LX. Over the past 12 months, QFIN leads with a -63.5% total return vs LX's -70.8%. The 3-year compound annual growth rate (CAGR) favors LX at 3.9% vs QFIN's 1.2% — a key indicator of consistent wealth creation.
| Metric | QFINQfin Holdings, In… | LXLexinFintech Hold… |
|---|---|---|
| YTD ReturnYear-to-date | -19.6% | -28.7% |
| 1-Year ReturnPast 12 months | -63.5% | -70.8% |
| 3-Year ReturnCumulative with dividends | +3.7% | +12.0% |
| 5-Year ReturnCumulative with dividends | -16.4% | -65.4% |
| 10-Year ReturnCumulative with dividends | +19.3% | -73.2% |
| CAGR (3Y)Annualised 3-year return | +1.2% | +3.9% |
QFIN leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
QFIN leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
QFIN is the less volatile stock with a 1.20 beta — it tends to amplify market swings less than LX's 1.25 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. QFIN currently trades 29.3% from its 52-week high vs LX's 23.1% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | QFINQfin Holdings, In… | LXLexinFintech Hold… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.20x | 1.25x |
| 52-Week HighHighest price in past year | $47.00 | $9.35 |
| 52-Week LowLowest price in past year | $12.30 | $2.02 |
| % of 52W HighCurrent price vs 52-week peak | +29.3% | +23.1% |
| RSI (14)Momentum oscillator 0–100 | 47.5 | 38.7 |
| Avg Volume (50D)Average daily shares traded | 1.4M | 1.5M |
QFIN leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Evenly matched — QFIN and LX each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates QFIN as "Buy" and LX as "Buy". Consensus price targets imply 104.7% upside for QFIN (target: $28) vs 62.0% for LX (target: $4). For income investors, QFIN offers the higher dividend yield at 8.88% vs LX's 6.58%.
| Metric | QFINQfin Holdings, In… | LXLexinFintech Hold… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $28.15 | $3.50 |
| # AnalystsCovering analysts | 4 | 12 |
| Dividend YieldAnnual dividend ÷ price | +8.9% | +6.6% |
| Dividend StreakConsecutive years of raises | 1 | 2 |
| Dividend / ShareAnnual DPS | $8.32 | $0.97 |
| Buyback YieldShare repurchases ÷ mkt cap | +11.2% | 0.0% |
Evenly matched — QFIN and LX each lead in 1 of 2 comparable metrics.
Key Takeaway
QFIN leads in 4 of 6 categories (Income & Cash Flow, Profitability & Efficiency). LX leads in 1 (Valuation Metrics). 1 tied.
Best OverallQfin Holdings, Inc. (QFIN)Leads 4 of 6 categories
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QFIN vs LX: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is QFIN or LX a better buy right now?
For growth investors, LexinFintech Holdings Ltd.
(LX) is the stronger pick with 8. 8% revenue growth year-over-year, versus 5. 4% for Qfin Holdings, Inc. (QFIN). Qfin Holdings, Inc. (QFIN) offers the better valuation at 2. 2x 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.
02Which has the better valuation — QFIN or LX?
On trailing P/E, Qfin Holdings, Inc.
(QFIN) is the cheapest at 2. 2x versus LexinFintech Holdings Ltd. at 2. 3x. On forward P/E, LexinFintech Holdings Ltd. is actually cheaper at 0. 4x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — QFIN or LX?
Over the past 5 years, Qfin Holdings, Inc.
(QFIN) delivered a total return of -16. 4%, compared to -65. 4% for LexinFintech Holdings Ltd. (LX). Over 10 years, the gap is even starker: QFIN returned +19. 3% versus LX's -73. 2%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — QFIN or LX?
By beta (market sensitivity over 5 years), Qfin Holdings, Inc.
(QFIN) is the lower-risk stock at 1. 20β versus LexinFintech Holdings Ltd. 's 1. 25β — meaning LX is approximately 4% more volatile than QFIN relative to the S&P 500. On balance sheet safety, Qfin Holdings, Inc. (QFIN) carries a lower debt/equity ratio of 7% versus 49% for LexinFintech Holdings Ltd. — giving it more financial flexibility in a downturn.
05Which is growing faster — QFIN or LX?
By revenue growth (latest reported year), LexinFintech Holdings Ltd.
(LX) is pulling ahead at 8. 8% versus 5. 4% for Qfin Holdings, Inc. (QFIN). On earnings-per-share growth, the picture is similar: Qfin Holdings, Inc. grew EPS 60. 7% year-over-year, compared to 2. 5% for LexinFintech Holdings Ltd.. 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.
06Which has better profit margins — QFIN or LX?
Qfin Holdings, Inc.
(QFIN) is the more profitable company, earning 36. 5% net margin versus 7. 7% for LexinFintech Holdings Ltd. — meaning it keeps 36. 5% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: QFIN leads at 43. 9% versus 16. 1% for LX. 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.
07Is QFIN or LX more undervalued right now?
On forward earnings alone, LexinFintech Holdings Ltd.
(LX) trades at 0. 4x forward P/E versus 0. 5x for Qfin Holdings, Inc. — 0. 1x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for QFIN: 104. 7% to $28. 15.
08Which pays a better dividend — QFIN or LX?
All stocks in this comparison pay dividends.
Qfin Holdings, Inc. (QFIN) offers the highest yield at 8. 9%, versus 6. 6% for LexinFintech Holdings Ltd. (LX).
09Is QFIN or LX better for a retirement portfolio?
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), 8. 9% yield). Both have compounded well over 10 years (QFIN: +19. 3%, LX: -73. 2%), 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.
10What are the main differences between QFIN and LX?
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.
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.
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Revenue Growth>
%
(QFIN: 5.4% · LX: 8.8%)Net Margin>
%
(QFIN: 36.5% · LX: 7.7%)P/E Ratio<
x
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