QFIN vs. SMIN
QFIN (360 DigiTech, Inc.) is a stock, while SMIN (iShares MSCI India Small-Cap ETF) is Asia Pacific Equities fund tracking the MSCI India Small Cap Index. Over the past 5 years, QFIN returned -12.03%/yr vs 6.19%/yr for SMIN. At a 0.21 correlation, their price movements are largely independent.
Performance
QFIN vs. SMIN - 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 SMIN's -4.03% return.
QFIN
- 1D
- 2.67%
- 1M
- 17.56%
- YTD
- -15.31%
- 6M
- -17.62%
- 1Y
- -59.79%
- 3Y*
- 7.60%
- 5Y*
- -12.03%
- 10Y*
- —
SMIN
- 1D
- 1.44%
- 1M
- 0.72%
- YTD
- -4.03%
- 6M
- -1.54%
- 1Y
- -8.33%
- 3Y*
- 8.94%
- 5Y*
- 6.19%
- 10Y*
- 9.73%
QFIN vs. SMIN - 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% |
SMIN iShares MSCI India Small-Cap ETF | -4.03% | -6.68% | 16.78% | 35.41% | -14.23% | 44.43% | 19.59% | -5.21% | 2.83% |
Correlation
The correlation between QFIN and SMIN is 0.26, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.26 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.17 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.21 |
Correlation (All Time) Calculated using the full available price history since Dec 14, 2018 | 0.21 |
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Return for Risk
QFIN vs. SMIN — Risk / Return Rank
QFIN
SMIN
QFIN vs. SMIN - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for 360 DigiTech, Inc. (QFIN) and iShares MSCI India Small-Cap ETF (SMIN). 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 | SMIN | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.58 | ||
| Sortino ratioReturn per unit of downside risk | -1.36 | ||
| Omega ratioGain probability vs. loss probability | 0.76 | 0.93 | -0.17 |
| Calmar ratioReturn relative to maximum drawdown | -0.83 | -0.39 | -0.44 |
| Martin ratioReturn relative to average drawdown | -1.13 | -0.87 | -0.27 |
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Drawdowns
QFIN vs. SMIN - Drawdown Comparison
The maximum QFIN drawdown since its inception was -76.74%, which is greater than SMIN's maximum drawdown of -60.50%. Use the drawdown chart below to compare losses from any high point for QFIN and SMIN.
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Drawdown Indicators
| QFIN | SMIN | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -76.74% | -60.50% | -16.24% |
Max Drawdown (1Y)Largest decline over 1 year | -72.31% | -24.54% | -47.77% |
Max Drawdown (3Y)Largest decline over 3 years | -73.15% | -27.58% | -45.57% |
Max Drawdown (5Y)Largest decline over 5 years | -76.74% | -27.58% | -49.16% |
Max Drawdown (10Y)Largest decline over 10 years | — | -60.50% | — |
Current DrawdownCurrent decline from peak | -64.51% | -16.07% | -48.44% |
Average DrawdownAverage peak-to-trough decline | -45.54% | -14.62% | -30.92% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 53.01% | 11.01% | +42.00% |
Volatility
QFIN vs. SMIN - Volatility Comparison
360 DigiTech, Inc. (QFIN) has a higher volatility of 29.45% compared to iShares MSCI India Small-Cap ETF (SMIN) at 4.86%. This indicates that QFIN's price experiences larger fluctuations and is considered to be riskier than SMIN based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| QFIN | SMIN | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 29.45% | 4.86% | +24.59% |
Volatility (6M)Calculated over the trailing 6-month period | 38.71% | 15.58% | +23.13% |
Volatility (1Y)Calculated over the trailing 1-year period | 55.12% | 18.67% | +36.45% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 66.39% | 18.88% | +47.51% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 72.04% | 22.83% | +49.21% |
Dividends
QFIN vs. SMIN - Dividend Comparison
QFIN's dividend yield for the trailing twelve months is around 10.00%, more than SMIN's 2.10% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
QFIN 360 DigiTech, Inc. | 10.00% | 7.58% | 4.56% | 7.27% | 4.03% | 1.22% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
SMIN iShares MSCI India Small-Cap ETF | 2.10% | 2.01% | 6.84% | 0.41% | 0.01% | 1.27% | 1.06% | 1.75% | 1.68% | 0.89% | 2.30% | 0.93% |
Frequently Asked Questions
QFIN and SMIN have a correlation of 0.26, 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 SMIN (4.86%). In terms of maximum drawdown, QFIN dropped -76.74% vs SMIN's -60.50%.
SMIN currently has the higher Sharpe Ratio (-0.51 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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