AIFU vs QFIN

For growth investors, Qfin Holdings, Inc.

(QFIN) is the stronger pick with 5. 4% revenue growth year-over-year, versus -43. 4% for AIFU Inc. (AIFU). 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 AIFU Inc. at 353. 1x. On forward P/E, AIFU Inc. is actually cheaper at 0. 0x — notably different from the trailing picture, reflecting expected earnings growth.

Over the past 5 years, Qfin Holdings, Inc.

(QFIN) delivered a total return of -19. 1%, compared to -54. 0% for AIFU Inc. (AIFU). Over 10 years, the gap is even starker: AIFU returned +246. 9% versus QFIN's +16. 1%. 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), AIFU Inc.

(AIFU) is the lower-risk stock at 0. 94β versus Qfin Holdings, Inc. 's 1. 20β — meaning QFIN is approximately 27% more volatile than AIFU relative to the S&P 500. On balance sheet safety, Qfin Holdings, Inc. (QFIN) carries a lower debt/equity ratio of 7% versus 8% for AIFU Inc. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Qfin Holdings, Inc.

(QFIN) is pulling ahead at 5. 4% versus -43. 4% for AIFU Inc. (AIFU). On earnings-per-share growth, the picture is similar: Qfin Holdings, Inc. grew EPS 60. 7% year-over-year, compared to -98. 9% for AIFU 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.

Qfin Holdings, Inc.

(QFIN) is the more profitable company, earning 36. 5% net margin versus 25. 2% for AIFU Inc. — 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 -24. 1% for AIFU. 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.

On forward earnings alone, AIFU Inc.

(AIFU) trades at 0. 0x forward P/E versus 0. 5x for Qfin Holdings, Inc. — 0. 5x cheaper on a one-year earnings basis.

In this comparison, QFIN (9.

3% yield) pays a dividend. AIFU 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%, AIFU: +246. 9%), 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: AIFU is a small-cap quality compounder stock; QFIN is a small-cap deep-value stock. QFIN pays a dividend while AIFU 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.