FINV vs. QFIN
FINV (FinVolution Group) and QFIN (360 DigiTech, Inc.) are both stocks. Both operate in the Credit Services industry within the Financial Services sector. Over the past 5 years, FINV returned -8.01%/yr vs -13.41%/yr for QFIN. A 0.52 correlation means they provide meaningful diversification when combined.
Performance
FINV vs. QFIN - Performance Comparison
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Returns By Period
In the year-to-date period, FINV achieves a -1.99% return, which is significantly higher than QFIN's -16.80% return.
FINV
- 1D
- 1.90%
- 1M
- 7.35%
- YTD
- -1.99%
- 6M
- -3.83%
- 1Y
- -45.47%
- 3Y*
- 7.62%
- 5Y*
- -8.01%
- 10Y*
- —
QFIN
- 1D
- -0.07%
- 1M
- 29.87%
- YTD
- -16.80%
- 6M
- -18.74%
- 1Y
- -61.86%
- 3Y*
- 6.00%
- 5Y*
- -13.41%
- 10Y*
- —
FINV vs. QFIN - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | |
|---|---|---|---|---|---|---|---|---|---|
FINV FinVolution Group | -1.99% | -20.07% | 45.47% | 4.39% | 6.39% | 89.23% | 8.51% | -22.85% | -26.83% |
QFIN 360 DigiTech, Inc. | -16.80% | -47.46% | 162.76% | -16.28% | -6.54% | 97.15% | 20.68% | -36.99% | -7.75% |
Correlation
The correlation between FINV and QFIN is 0.64, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.64 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.61 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.62 |
Correlation (All Time) Calculated using the full available price history since Dec 14, 2018 | 0.52 |
The correlation between FINV and QFIN shifts across timeframes, from 0.52 (all time) to 0.64 (1 year), reflecting how their relationship changes across market environments.
Fundamentals
FINV:
$1.24B
QFIN:
$932.26M
FINV:
CN¥8.34
QFIN:
CN¥51.00
FINV:
3.91
QFIN:
2.01
FINV:
1.37
QFIN:
0.06
FINV:
0.65
QFIN:
0.58
FINV:
0.52
QFIN:
0.26
FINV:
CN¥13.24B
QFIN:
CN¥17.46B
FINV:
CN¥10.21B
QFIN:
CN¥12.90B
FINV:
CN¥2.61B
QFIN:
CN¥6.93B
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Return for Risk
FINV vs. QFIN — Risk / Return Rank
FINV
QFIN
FINV vs. QFIN - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for FinVolution Group (FINV) and 360 DigiTech, Inc. (QFIN). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| FINV | QFIN | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.19 | ||
| Sortino ratioReturn per unit of downside risk | +0.75 | ||
| Omega ratioGain probability vs. loss probability | 0.84 | 0.75 | +0.09 |
| Calmar ratioReturn relative to maximum drawdown | -0.81 | -0.86 | +0.05 |
| Martin ratioReturn relative to average drawdown | -1.07 | -1.15 | +0.08 |
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Drawdowns
FINV vs. QFIN - Drawdown Comparison
The maximum FINV drawdown since its inception was -89.76%, which is greater than QFIN's maximum drawdown of -76.74%. Use the drawdown chart below to compare losses from any high point for FINV and QFIN.
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Drawdown Indicators
| FINV | QFIN | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -89.76% | -76.74% | -13.02% |
Max Drawdown (1Y)Largest decline over 1 year | -56.42% | -72.31% | +15.89% |
Max Drawdown (3Y)Largest decline over 3 years | -56.42% | -73.15% | +16.73% |
Max Drawdown (5Y)Largest decline over 5 years | -69.21% | -75.92% | +6.71% |
Current DrawdownCurrent decline from peak | -51.64% | -65.13% | +13.49% |
Average DrawdownAverage peak-to-trough decline | -54.08% | -45.61% | -8.47% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 42.45% | 53.92% | -11.47% |
Volatility
FINV vs. QFIN - Volatility Comparison
The current volatility for FinVolution Group (FINV) is 18.84%, while 360 DigiTech, Inc. (QFIN) has a volatility of 28.48%. This indicates that FINV experiences smaller price fluctuations and is considered to be less risky than QFIN based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| FINV | QFIN | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 18.84% | 28.48% | -9.64% |
Volatility (6M)Calculated over the trailing 6-month period | 33.57% | 38.69% | -5.12% |
Volatility (1Y)Calculated over the trailing 1-year period | 48.73% | 55.15% | -6.42% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 49.55% | 66.23% | -16.68% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 71.67% | 71.94% | -0.27% |
Dividends
FINV vs. QFIN - Dividend Comparison
FINV's dividend yield for the trailing twelve months is around 6.35%, less than QFIN's 10.18% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
FINV FinVolution Group | 6.35% | 5.30% | 3.49% | 4.39% | 4.13% | 3.45% | 4.49% | 7.17% |
QFIN 360 DigiTech, Inc. | 10.18% | 7.58% | 4.56% | 7.27% | 4.03% | 1.22% | 0.00% | 0.00% |
Financials
FINV vs. QFIN - Financials Comparison
This section allows you to compare key financial metrics between FinVolution Group and 360 DigiTech, Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
FINV vs. QFIN - Profitability Comparison
FINV - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, FinVolution Group reported a gross profit of 2.43B and revenue of 3.19B. Therefore, the gross margin over that period was 76.3%.
QFIN - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, 360 DigiTech, Inc. reported a gross profit of 2.95B and revenue of 3.89B. Therefore, the gross margin over that period was 75.8%.
FINV - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, FinVolution Group reported an operating income of 526.49M and revenue of 3.19B, resulting in an operating margin of 16.5%.
QFIN - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, 360 DigiTech, Inc. reported an operating income of 928.25M and revenue of 3.89B, resulting in an operating margin of 23.9%.
FINV - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, FinVolution Group reported a net income of 412.55M and revenue of 3.19B, resulting in a net margin of 12.9%.
QFIN - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, 360 DigiTech, Inc. reported a net income of 877.98M and revenue of 3.89B, resulting in a net margin of 22.6%.
Frequently Asked Questions
FINV and QFIN have a correlation of 0.64, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
QFIN has higher volatility (28.48%) compared to FINV (18.84%). In terms of maximum drawdown, FINV dropped -89.76% vs QFIN's -76.74%.
FINV currently has the higher Sharpe Ratio (-0.94 vs -1.12), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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