PT vs QFIN

For growth investors, Qfin Holdings, Inc.

(QFIN) is the stronger pick with 5. 4% 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 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.

Over the past 5 years, Qfin Holdings, Inc.

(QFIN) delivered a total return of -19. 1%, compared to -77. 4% for Pintec Technology Holdings Limited (PT). Over 10 years, the gap is even starker: QFIN returned +16. 1% 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.

14β versus Qfin Holdings, Inc. 's 1. 20β — meaning QFIN is approximately 5% more volatile than PT relative to the S&P 500.

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

(QFIN) is pulling ahead at 5. 4% 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 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.

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 — PT leads at 63. 5%, 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. PT 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%, 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; QFIN is a small-cap deep-value stock. QFIN pays 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.