QFIN vs. SEIX

Last updated Jun 4, 2026

QFIN (360 DigiTech, Inc.) is a stock, while SEIX (Virtus Seix Senior Loan ETF) is Bank Loan fund tracking the Credit Suisse Leveraged Loan Index. Over the past 5 years, QFIN returned -10.51%/yr vs 5.75%/yr for SEIX. At a 0.07 correlation, their price movements are largely independent.

Performance

QFIN vs. SEIX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in 360 DigiTech, Inc. (QFIN) and Virtus Seix Senior Loan ETF (SEIX). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, QFIN achieves a -16.41% return, which is significantly lower than SEIX's 2.09% return.

QFIN

• 1D: -8.21%
• 1M: 13.60%
• YTD: -16.41%
• 6M: -15.14%
• 1Y: -59.36%
• 3Y*: 9.22%
• 5Y*: -10.51%
• 10Y*: —

SEIX

• 1D: -0.06%
• 1M: 0.33%
• YTD: 2.09%
• 6M: 2.81%
• 1Y: 6.07%
• 3Y*: 8.17%
• 5Y*: 5.75%
• 10Y*: —

*Multi-year figures are annualized to reflect compound growth (CAGR)

QFIN vs. SEIX - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019
QFIN 360 DigiTech, Inc.	-16.41%	-47.46%	162.76%	-16.28%	-6.54%	97.15%	20.68%	-52.89%
SEIX Virtus Seix Senior Loan ETF	2.09%	5.10%	8.42%	12.51%	-1.77%	5.49%	3.17%	3.46%

Correlation

The correlation between QFIN and SEIX is 0.13, which is low. Their price movements are largely independent, making them effective diversification partners.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.13
Correlation (3Y) Calculated over the trailing 3-year period	0.11
Correlation (5Y) Calculated over the trailing 5-year period	0.08
Correlation (All Time) Calculated using the full available price history since Apr 26, 2019	0.07

Return for Risk

QFIN vs. SEIX — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

QFIN

QFIN Risk / Return Rank: 7
QFIN Sharpe Ratio Rank: 3
QFIN Sortino Ratio Rank: 2
QFIN Omega Ratio Rank: 4
QFIN Calmar Ratio Rank: 9
QFIN Martin Ratio Rank: 16

SEIX

SEIX Risk / Return Rank: 93
SEIX Sharpe Ratio Rank: 94
SEIX Sortino Ratio Rank: 97
SEIX Omega Ratio Rank: 97
SEIX Calmar Ratio Rank: 89
SEIX Martin Ratio Rank: 90

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

QFIN vs. SEIX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for 360 DigiTech, Inc. (QFIN) and Virtus Seix Senior Loan ETF (SEIX). 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	SEIX	Difference
Sharpe ratio: Return per unit of total volatility	-1.08	3.79	-4.87
Sortino ratio: Return per unit of downside risk	-1.98	6.16	-8.13
Omega ratio: Gain probability vs. loss probability	0.77	1.86	-1.09
Calmar ratio: Return relative to maximum drawdown	-0.82	5.39	-6.21
Martin ratio: Return relative to average drawdown	-1.14	21.57	-22.72
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

QFIN vs. SEIX - Sharpe Ratio Comparison

The current QFIN Sharpe Ratio is -1.08, which is lower than the SEIX Sharpe Ratio of 3.79. The chart below compares the historical Sharpe Ratios of QFIN and SEIX, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	QFIN	SEIX	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	-1.08	3.79	-4.87
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	-0.16	1.97	-2.13
Sharpe Ratio (All Time) Calculated using the full available price history	0.05	1.24	-1.19

Drawdowns

QFIN vs. SEIX - Drawdown Comparison

The maximum QFIN drawdown since its inception was -76.74%, which is greater than SEIX's maximum drawdown of -17.51%. Use the drawdown chart below to compare losses from any high point for QFIN and SEIX.

Drawdown Indicators

	QFIN	SEIX	Difference
Max Drawdown Largest peak-to-trough decline	-76.74%	-17.51%	-59.23%
Max Drawdown (1Y) Largest decline over 1 year	-72.31%	-1.13%	-71.18%
Max Drawdown (3Y) Largest decline over 3 years	-73.15%	-3.01%	-70.14%
Max Drawdown (5Y) Largest decline over 5 years	-76.74%	-6.69%	-70.05%
Current Drawdown Current decline from peak	-64.97%	-0.06%	-64.91%
Average Drawdown Average peak-to-trough decline	-45.45%	-0.87%	-44.58%
Ulcer Index Depth and duration of drawdowns from previous peaks	51.90%	0.28%	+51.62%

Volatility

QFIN vs. SEIX - Volatility Comparison

360 DigiTech, Inc. (QFIN) has a higher volatility of 29.66% compared to Virtus Seix Senior Loan ETF (SEIX) at 0.35%. This indicates that QFIN's price experiences larger fluctuations and is considered to be riskier than SEIX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	QFIN	SEIX	Difference
Volatility (1M) Calculated over the trailing 1-month period	29.66%	0.35%	+29.31%
Volatility (6M) Calculated over the trailing 6-month period	38.48%	1.28%	+37.20%
Volatility (1Y) Calculated over the trailing 1-year period	54.87%	1.61%	+53.26%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	66.91%	2.93%	+63.98%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	72.14%	4.34%	+67.80%

Dividends

QFIN vs. SEIX - Dividend Comparison

QFIN's dividend yield for the trailing twelve months is around 10.13%, more than SEIX's 7.25% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019
QFIN 360 DigiTech, Inc.	10.13%	7.58%	4.56%	7.27%	4.03%	1.22%	0.00%	0.00%
SEIX Virtus Seix Senior Loan ETF	7.25%	7.52%	8.09%	8.74%	5.76%	4.16%	3.75%	3.82%

Frequently Asked Questions

Can I hold both QFIN and SEIX in my portfolio?

QFIN and SEIX have a correlation of 0.13, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, QFIN or SEIX?

QFIN has higher volatility (29.66%) compared to SEIX (0.35%). In terms of maximum drawdown, QFIN dropped -76.74% vs SEIX's -17.51%.

Which has better risk-adjusted returns?

SEIX currently has the higher Sharpe Ratio (3.79 vs -1.08), 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.