QFIN vs. MSFT
Compare and contrast key facts about 360 DigiTech, Inc. (QFIN) and Microsoft Corporation (MSFT).
Performance
QFIN vs. MSFT - Performance Comparison
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QFIN vs. MSFT - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | |
|---|---|---|---|---|---|---|---|---|---|
QFIN 360 DigiTech, Inc. | -33.00% | -47.46% | 162.76% | -16.28% | -6.54% | 97.15% | 20.68% | -36.99% | -6.02% |
MSFT Microsoft Corporation | -23.28% | 15.58% | 12.93% | 58.19% | -28.02% | 52.48% | 42.53% | 57.56% | -4.21% |
Fundamentals
QFIN:
$842.61M
MSFT:
$2.76T
QFIN:
$53.57
MSFT:
$15.98
QFIN:
0.24
MSFT:
23.16
QFIN:
0.01
MSFT:
1.62
QFIN:
0.08
MSFT:
9.04
QFIN:
0.03
MSFT:
7.06
QFIN:
$17.63B
MSFT:
$305.45B
QFIN:
$13.12B
MSFT:
$209.50B
QFIN:
$8.02B
MSFT:
$191.39B
Returns By Period
In the year-to-date period, QFIN achieves a -33.00% return, which is significantly lower than MSFT's -23.28% return.
QFIN
- 1D
- 4.45%
- 1M
- -11.33%
- YTD
- -33.00%
- 6M
- -55.14%
- 1Y
- -69.92%
- 3Y*
- -6.68%
- 5Y*
- -8.07%
- 10Y*
- —
MSFT
- 1D
- 3.12%
- 1M
- -5.75%
- YTD
- -23.28%
- 6M
- -28.23%
- 1Y
- -0.64%
- 3Y*
- 9.54%
- 5Y*
- 9.74%
- 10Y*
- 22.44%
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Return for Risk
QFIN vs. MSFT — Risk / Return Rank
QFIN
MSFT
QFIN vs. MSFT - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for 360 DigiTech, Inc. (QFIN) and Microsoft Corporation (MSFT). 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.
| QFIN | MSFT | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | -1.42 | -0.02 | -1.40 |
Sortino ratioReturn per unit of downside risk | -2.77 | 0.15 | -2.92 |
Omega ratioGain probability vs. loss probability | 0.67 | 1.02 | -0.35 |
Calmar ratioReturn relative to maximum drawdown | -0.97 | -0.05 | -0.92 |
Martin ratioReturn relative to average drawdown | -1.60 | -0.12 | -1.48 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| QFIN | MSFT | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | -1.42 | -0.02 | -1.40 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | -0.12 | 0.37 | -0.50 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | — | 0.84 | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.00 | 0.74 | -0.73 |
Correlation
The correlation between QFIN and MSFT is 0.21, which is considered to be low. This implies their price changes are not closely related. A low correlation is generally favorable for portfolio diversification, as it helps to reduce overall risk by spreading it across multiple assets with different performance patterns.
Dividends
QFIN vs. MSFT - Dividend Comparison
QFIN's dividend yield for the trailing twelve months is around 11.31%, more than MSFT's 0.94% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
QFIN 360 DigiTech, Inc. | 11.31% | 7.58% | 4.56% | 7.27% | 4.03% | 1.22% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
MSFT Microsoft Corporation | 0.94% | 0.70% | 0.73% | 0.74% | 1.06% | 0.68% | 0.94% | 1.20% | 1.69% | 1.86% | 2.37% | 2.33% |
Drawdowns
QFIN vs. MSFT - Drawdown Comparison
The maximum QFIN drawdown since its inception was -76.74%, which is greater than MSFT's maximum drawdown of -69.38%. Use the drawdown chart below to compare losses from any high point for QFIN and MSFT.
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Drawdown Indicators
| QFIN | MSFT | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -76.74% | -69.38% | -7.36% |
Max Drawdown (1Y)Largest decline over 1 year | -72.43% | -33.91% | -38.52% |
Max Drawdown (5Y)Largest decline over 5 years | -76.74% | -37.15% | -39.59% |
Max Drawdown (10Y)Largest decline over 10 years | — | -37.15% | — |
Current DrawdownCurrent decline from peak | -71.93% | -31.43% | -40.50% |
Average DrawdownAverage peak-to-trough decline | -44.88% | -21.77% | -23.11% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 43.87% | 12.46% | +31.41% |
Volatility
QFIN vs. MSFT - Volatility Comparison
360 DigiTech, Inc. (QFIN) has a higher volatility of 13.97% compared to Microsoft Corporation (MSFT) at 6.48%. This indicates that QFIN's price experiences larger fluctuations and is considered to be riskier than MSFT based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| QFIN | MSFT | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 13.97% | 6.48% | +7.49% |
Volatility (6M)Calculated over the trailing 6-month period | 38.04% | 19.15% | +18.89% |
Volatility (1Y)Calculated over the trailing 1-year period | 49.30% | 26.46% | +22.84% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 66.94% | 26.19% | +40.75% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 71.96% | 26.89% | +45.07% |
Financials
QFIN vs. MSFT - Financials Comparison
This section allows you to compare key financial metrics between 360 DigiTech, Inc. and Microsoft Corporation. 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. MSFT - Profitability Comparison
QFIN - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, 360 DigiTech, Inc. reported a gross profit of 3.16B and revenue of 4.04B. Therefore, the gross margin over that period was 78.3%.
MSFT - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, Microsoft Corporation reported a gross profit of 55.30B and revenue of 81.27B. Therefore, the gross margin over that period was 68.0%.
QFIN - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, 360 DigiTech, Inc. reported an operating income of 807.26M and revenue of 4.04B, resulting in an operating margin of 20.0%.
MSFT - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, Microsoft Corporation reported an operating income of 38.28B and revenue of 81.27B, resulting in an operating margin of 47.1%.
QFIN - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, 360 DigiTech, Inc. reported a net income of 998.68M and revenue of 4.04B, resulting in a net margin of 24.7%.
MSFT - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, Microsoft Corporation reported a net income of 38.46B and revenue of 81.27B, resulting in a net margin of 47.3%.