` Comparison: FINV, QFIN - Alpha Spread

FINV
vs
QFIN

Over the past 12 months, FINV has significantly outperformed QFIN, delivering a return of -19% compared to the QFIN's 47% drop.

Valuation Growth Profitability Solvency Stocks Performance
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FINV
QFIN
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Stocks Compared:
FINV QFIN
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Valuation Comparison

FINV Intrinsic Value
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QFIN Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
FinVolution Group
NYSE:FINV
5.39 USD
360 DigiTech Inc
NASDAQ:QFIN
19.46 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
FINV, QFIN

FINV
QFIN
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
FinVolution Group
Revenue
360 DigiTech Inc
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
FINV, QFIN

FINV
QFIN
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
FinVolution Group
NYSE:FINV
360 DigiTech Inc
NASDAQ:QFIN
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What is Free Cash Flow?

Gross Margin

FINV
80.6%
QFIN
84.7%
LTM 3Y Avg 5Y Avg 10Y Avg
FinVolution Group
360 DigiTech Inc

Operating Margin

FINV
38.3%
QFIN
39.3%
LTM 3Y Avg 5Y Avg 10Y Avg
FinVolution Group
360 DigiTech Inc

Net Margin

FINV
20%
QFIN
37.2%
LTM 3Y Avg 5Y Avg 10Y Avg
FinVolution Group
360 DigiTech Inc

FCF Margin

FINV
20.5%
QFIN
55.4%
LTM 3Y Avg 5Y Avg 10Y Avg
FinVolution Group
360 DigiTech Inc

ROE

FINV
18.1%
QFIN
30.9%
LTM 3Y Avg 5Y Avg 10Y Avg
FinVolution Group
360 DigiTech Inc

ROA

FINV
11.4%
QFIN
13.4%
LTM 3Y Avg 5Y Avg 10Y Avg
FinVolution Group
360 DigiTech Inc

ROIC

FINV
22.2%
QFIN
17.1%
LTM 3Y Avg 5Y Avg 10Y Avg
FinVolution Group
360 DigiTech Inc

ROCE

FINV
24.1%
QFIN
21%
LTM 3Y Avg 5Y Avg 10Y Avg
FinVolution Group
360 DigiTech Inc

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
FINV, QFIN

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FINV
QFIN
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Performance Gap
FINV, QFIN

Performance Gap Between FINV and QFIN
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Performance By Year
FINV, QFIN

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FINV
QFIN
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