QFIN vs. ENVA
QFIN (360 DigiTech, Inc.) and ENVA (Enova International, Inc.) are both stocks. Both operate in the Credit Services industry within the Financial Services sector. Over the past 5 years, QFIN returned -12.03%/yr vs 39.68%/yr for ENVA. At a 0.21 correlation, their price movements are largely independent.
Performance
QFIN vs. ENVA - Performance Comparison
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Returns By Period
In the year-to-date period, QFIN achieves a -15.31% return, which is significantly lower than ENVA's 20.44% return.
QFIN
- 1D
- 2.67%
- 1M
- 17.56%
- YTD
- -15.31%
- 6M
- -17.62%
- 1Y
- -59.79%
- 3Y*
- 7.60%
- 5Y*
- -12.03%
- 10Y*
- —
ENVA
- 1D
- -0.14%
- 1M
- 13.51%
- YTD
- 20.44%
- 6M
- 16.35%
- 1Y
- 102.88%
- 3Y*
- 53.36%
- 5Y*
- 39.68%
- 10Y*
- 38.77%
QFIN vs. ENVA - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | |
|---|---|---|---|---|---|---|---|---|---|
QFIN 360 DigiTech, Inc. | -15.31% | -47.46% | 162.76% | -16.28% | -6.54% | 97.15% | 20.68% | -36.99% | -7.75% |
ENVA Enova International, Inc. | 20.44% | 63.95% | 73.19% | 44.28% | -6.32% | 65.36% | 2.95% | 23.64% | -5.40% |
Correlation
The correlation between QFIN and ENVA is 0.28, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.28 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.23 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.27 |
Correlation (All Time) Calculated using the full available price history since Dec 14, 2018 | 0.21 |
Fundamentals
QFIN:
$948.90M
ENVA:
$4.99B
QFIN:
CN¥51.00
ENVA:
$12.29
QFIN:
2.05
ENVA:
15.40
QFIN:
0.06
ENVA:
0.83
QFIN:
0.59
ENVA:
1.53
QFIN:
0.26
ENVA:
3.56
QFIN:
CN¥17.46B
ENVA:
$3.28B
QFIN:
CN¥12.90B
ENVA:
$1.23B
QFIN:
CN¥6.93B
ENVA:
$456.13M
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Return for Risk
QFIN vs. ENVA — Risk / Return Rank
QFIN
ENVA
QFIN vs. ENVA - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for 360 DigiTech, Inc. (QFIN) and Enova International, Inc. (ENVA). 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.
| QFIN | ENVA | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -3.69 | ||
| Sortino ratioReturn per unit of downside risk | -5.20 | ||
| Omega ratioGain probability vs. loss probability | 0.76 | 1.40 | -0.64 |
| Calmar ratioReturn relative to maximum drawdown | -0.83 | 4.04 | -4.88 |
| Martin ratioReturn relative to average drawdown | -1.13 | 10.44 | -11.57 |
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Drawdowns
QFIN vs. ENVA - Drawdown Comparison
The maximum QFIN drawdown since its inception was -76.74%, smaller than the maximum ENVA drawdown of -84.26%. Use the drawdown chart below to compare losses from any high point for QFIN and ENVA.
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Drawdown Indicators
| QFIN | ENVA | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -76.74% | -84.26% | +7.52% |
Max Drawdown (1Y)Largest decline over 1 year | -72.31% | -24.75% | -47.56% |
Max Drawdown (3Y)Largest decline over 3 years | -73.15% | -37.01% | -36.14% |
Max Drawdown (5Y)Largest decline over 5 years | -76.74% | -42.84% | -33.90% |
Max Drawdown (10Y)Largest decline over 10 years | — | -77.57% | — |
Current DrawdownCurrent decline from peak | -64.51% | -0.14% | -64.37% |
Average DrawdownAverage peak-to-trough decline | -45.54% | -31.82% | -13.72% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 53.01% | 9.57% | +43.44% |
Volatility
QFIN vs. ENVA - Volatility Comparison
360 DigiTech, Inc. (QFIN) has a higher volatility of 29.45% compared to Enova International, Inc. (ENVA) at 11.26%. This indicates that QFIN's price experiences larger fluctuations and is considered to be riskier than ENVA based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| QFIN | ENVA | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 29.45% | 11.26% | +18.19% |
Volatility (6M)Calculated over the trailing 6-month period | 38.71% | 28.77% | +9.94% |
Volatility (1Y)Calculated over the trailing 1-year period | 55.12% | 38.58% | +16.54% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 66.39% | 40.33% | +26.06% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 72.04% | 49.25% | +22.79% |
Dividends
QFIN vs. ENVA - Dividend Comparison
QFIN's dividend yield for the trailing twelve months is around 10.00%, while ENVA has not paid dividends to shareholders.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
ENVA Enova International, Inc. | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
QFIN 360 DigiTech, Inc. | 10.00% | 7.58% | 4.56% | 7.27% | 4.03% | 1.22% |
Financials
QFIN vs. ENVA - Financials Comparison
This section allows you to compare key financial metrics between 360 DigiTech, Inc. and Enova International, 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
QFIN vs. ENVA - Profitability Comparison
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%.
ENVA - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Enova International, Inc. reported a gross profit of 0.00 and revenue of 875.14M. Therefore, the gross margin over that period was 0.0%.
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%.
ENVA - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Enova International, Inc. reported an operating income of 207.11M and revenue of 875.14M, resulting in an operating margin of 23.7%.
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%.
ENVA - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Enova International, Inc. reported a net income of 91.10M and revenue of 875.14M, resulting in a net margin of 10.4%.
Frequently Asked Questions
QFIN and ENVA have a correlation of 0.28, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
QFIN has higher volatility (29.45%) compared to ENVA (11.26%). In terms of maximum drawdown, QFIN dropped -76.74% vs ENVA's -84.26%.
ENVA currently has the higher Sharpe Ratio (2.60 vs -1.09), 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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