QFIN vs. PLMR
QFIN (360 DigiTech, Inc.) and PLMR (Palomar Holdings, Inc.) are both stocks. Both are in the Financial Services sector — QFIN in Credit Services, PLMR in Insurance - Property & Casualty. Over the past 5 years, QFIN returned -12.03%/yr vs 8.52%/yr for PLMR. At a 0.15 correlation, their price movements are largely independent.
Performance
QFIN vs. PLMR - Performance Comparison
Loading charts...
Returns By Period
The year-to-date returns for both investments are quite close, with QFIN having a -15.31% return and PLMR slightly higher at -14.77%.
QFIN
- 1D
- 2.67%
- 1M
- 20.41%
- YTD
- -15.31%
- 6M
- -17.62%
- 1Y
- -59.79%
- 3Y*
- 7.60%
- 5Y*
- -12.03%
- 10Y*
- —
PLMR
- 1D
- -0.26%
- 1M
- 3.67%
- YTD
- -14.77%
- 6M
- -9.27%
- 1Y
- -28.63%
- 3Y*
- 25.45%
- 5Y*
- 8.52%
- 10Y*
- —
QFIN vs. PLMR - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|---|---|---|
QFIN 360 DigiTech, Inc. | -15.31% | -47.46% | 162.76% | -16.28% | -6.54% | 97.15% | 20.68% | -56.94% |
PLMR Palomar Holdings, Inc. | -14.77% | 27.63% | 90.25% | 22.90% | -30.28% | -27.09% | 75.96% | 172.92% |
Correlation
The correlation between QFIN and PLMR is 0.06, meaning there is essentially no relationship between their price movements. Each responds to its own set of market drivers, making them strong candidates for combining in a diversified portfolio.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.06 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.10 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.16 |
Correlation (All Time) Calculated using the full available price history since Apr 17, 2019 | 0.15 |
The correlation between QFIN and PLMR shifts across timeframes, from 0.06 (1 year) to 0.16 (5 years), reflecting how their relationship changes across market environments.
Fundamentals
QFIN:
$948.90M
PLMR:
$3.14B
QFIN:
CN¥51.00
PLMR:
$7.18
QFIN:
2.05
PLMR:
15.99
QFIN:
0.06
PLMR:
0.37
QFIN:
0.59
PLMR:
3.22
QFIN:
0.26
PLMR:
3.27
QFIN:
CN¥17.46B
PLMR:
$977.99M
QFIN:
CN¥12.90B
PLMR:
$401.29M
QFIN:
CN¥6.93B
PLMR:
$210.26M
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
Return for Risk
QFIN vs. PLMR — Risk / Return Rank
QFIN
PLMR
QFIN vs. PLMR - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for 360 DigiTech, Inc. (QFIN) and Palomar Holdings, Inc. (PLMR). 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 | PLMR | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.30 | ||
| Sortino ratioReturn per unit of downside risk | -1.04 | ||
| Omega ratioGain probability vs. loss probability | 0.76 | 0.88 | -0.11 |
| Calmar ratioReturn relative to maximum drawdown | -0.83 | -0.77 | -0.07 |
| Martin ratioReturn relative to average drawdown | -1.13 | -1.19 | +0.05 |
Loading charts...
Drawdowns
QFIN vs. PLMR - Drawdown Comparison
The maximum QFIN drawdown since its inception was -76.74%, which is greater than PLMR's maximum drawdown of -62.86%. Use the drawdown chart below to compare losses from any high point for QFIN and PLMR.
Loading charts...
Drawdown Indicators
| QFIN | PLMR | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -76.74% | -62.86% | -13.88% |
Max Drawdown (1Y)Largest decline over 1 year | -72.31% | -37.51% | -34.80% |
Max Drawdown (3Y)Largest decline over 3 years | -73.15% | -42.27% | -30.88% |
Max Drawdown (5Y)Largest decline over 5 years | -76.74% | -53.81% | -22.93% |
Current DrawdownCurrent decline from peak | -64.51% | -34.62% | -29.89% |
Average DrawdownAverage peak-to-trough decline | -45.54% | -28.81% | -16.73% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 53.01% | 24.17% | +28.84% |
Volatility
QFIN vs. PLMR - Volatility Comparison
360 DigiTech, Inc. (QFIN) has a higher volatility of 29.45% compared to Palomar Holdings, Inc. (PLMR) at 11.03%. This indicates that QFIN's price experiences larger fluctuations and is considered to be riskier than PLMR based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
Loading charts...
Volatility by Period
| QFIN | PLMR | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 29.45% | 11.03% | +18.42% |
Volatility (6M)Calculated over the trailing 6-month period | 38.71% | 23.78% | +14.93% |
Volatility (1Y)Calculated over the trailing 1-year period | 55.12% | 36.57% | +18.55% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 66.39% | 42.68% | +23.71% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 72.04% | 47.88% | +24.16% |
Dividends
QFIN vs. PLMR - Dividend Comparison
QFIN's dividend yield for the trailing twelve months is around 10.00%, while PLMR has not paid dividends to shareholders.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
PLMR Palomar Holdings, 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. PLMR - Financials Comparison
This section allows you to compare key financial metrics between 360 DigiTech, Inc. and Palomar Holdings, 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. PLMR - 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%.
PLMR - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Palomar Holdings, Inc. reported a gross profit of 0.00 and revenue of 278.94M. 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%.
PLMR - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Palomar Holdings, Inc. reported an operating income of 0.00 and revenue of 278.94M, resulting in an operating margin of 0.0%.
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%.
PLMR - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Palomar Holdings, Inc. reported a net income of 42.95M and revenue of 278.94M, resulting in a net margin of 15.4%.
Frequently Asked Questions
QFIN and PLMR have a correlation of 0.06, 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 PLMR (11.03%). In terms of maximum drawdown, QFIN dropped -76.74% vs PLMR's -62.86%.
PLMR currently has the higher Sharpe Ratio (-0.79 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.
Find the right allocation for QFIN and PLMR
Add both to a portfolio and optimize allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.
Open Portfolio Optimizer