PT vs LX vs QFIN vs FINV

For growth investors, LexinFintech Holdings Ltd.

(LX) is the stronger pick with 8. 8% revenue growth year-over-year, versus -33. 3% for Pintec Technology Holdings Limited (PT). 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 LexinFintech Holdings Ltd. (LX) a "Buy" — based on 12 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 FinVolution Group at 3. 9x. On forward P/E, LexinFintech Holdings Ltd. is actually cheaper at 0. 4x — notably different from the trailing picture, reflecting expected earnings growth. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Qfin Holdings, Inc. wins at 0. 02x versus FinVolution Group's 0. 19x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.

Over the past 5 years, FinVolution Group (FINV) delivered a total return of -2.

3%, compared to -77. 4% for Pintec Technology Holdings Limited (PT). Over 10 years, the gap is even starker: QFIN returned +15. 7% versus PT's -98. 5%. 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), Pintec Technology Holdings Limited (PT) is the lower-risk stock at 1.

09β versus LexinFintech Holdings Ltd. 's 1. 26β — meaning LX is approximately 15% more volatile than PT relative to the S&P 500. On balance sheet safety, FinVolution Group (FINV) carries a lower debt/equity ratio of 0% versus 49% for LexinFintech Holdings Ltd. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), LexinFintech Holdings Ltd.

(LX) is pulling ahead at 8. 8% versus -33. 3% for Pintec Technology Holdings Limited (PT). On earnings-per-share growth, the picture is similar: Pintec Technology Holdings Limited grew EPS 82. 4% 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.

Qfin Holdings, Inc.

(QFIN) is the more profitable company, earning 36. 5% net margin versus -44. 0% for Pintec Technology Holdings Limited — 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 -40. 1% for PT. At the gross margin level — before operating expenses — FINV leads at 79. 3%, 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.

The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.

By this metric, Qfin Holdings, Inc. (QFIN) is the more undervalued stock at a PEG of 0. 02x versus FinVolution Group's 0. 19x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, LexinFintech Holdings Ltd. (LX) trades at 0. 4x forward P/E versus 0. 6x for FinVolution Group — 0. 3x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for QFIN: 113. 1% to $28. 15.

In this comparison, QFIN (9.

3% yield), LX (6. 9% yield), FINV (4. 8% yield) pay a dividend. PT does not pay a meaningful dividend and should not be held primarily for income.

For long-horizon retirement investors, FinVolution Group (FINV) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1.

14), 4. 8% yield). Both have compounded well over 10 years (FINV: -47. 0%, PT: -98. 5%), 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: PT is a small-cap quality compounder stock; LX is a small-cap deep-value stock; QFIN is a small-cap deep-value stock; FINV is a small-cap deep-value stock. LX, QFIN, FINV pay a dividend while PT 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.