VZ vs. QFIN
VZ (Verizon Communications Inc.) and QFIN (360 DigiTech, Inc.) are both stocks. VZ operates in Telecom Services (Communication Services), while QFIN operates in Credit Services (Financial Services). Over the past 5 years, VZ returned 2.74%/yr vs -12.03%/yr for QFIN. At a 0.04 correlation, their price movements are largely independent.
Performance
VZ vs. QFIN - Performance Comparison
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Returns By Period
In the year-to-date period, VZ achieves a 21.97% return, which is significantly higher than QFIN's -15.31% return.
VZ
- 1D
- 2.49%
- 1M
- 3.75%
- YTD
- 21.97%
- 6M
- 21.50%
- 1Y
- 19.39%
- 3Y*
- 18.39%
- 5Y*
- 2.74%
- 10Y*
- 4.44%
QFIN
- 1D
- 2.67%
- 1M
- 20.41%
- YTD
- -15.31%
- 6M
- -17.62%
- 1Y
- -59.79%
- 3Y*
- 7.60%
- 5Y*
- -12.03%
- 10Y*
- —
VZ vs. QFIN - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | |
|---|---|---|---|---|---|---|---|---|---|
VZ Verizon Communications Inc. | 21.97% | 8.86% | 13.14% | 2.71% | -20.02% | -7.55% | -0.13% | 13.83% | -1.52% |
QFIN 360 DigiTech, Inc. | -15.31% | -47.46% | 162.76% | -16.28% | -6.54% | 97.15% | 20.68% | -36.99% | -7.75% |
Correlation
The correlation between VZ and QFIN 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 | 0.02 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.03 |
Correlation (All Time) Calculated using the full available price history since Dec 14, 2018 | 0.04 |
Fundamentals
VZ:
$202.54B
QFIN:
$948.90M
VZ:
$4.10
QFIN:
CN¥51.00
VZ:
11.72
QFIN:
2.05
VZ:
1.46
QFIN:
0.59
VZ:
1.96
QFIN:
0.26
VZ:
$139.15B
QFIN:
CN¥17.46B
VZ:
$81.89B
QFIN:
CN¥12.90B
VZ:
$48.65B
QFIN:
CN¥6.93B
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Return for Risk
VZ vs. QFIN — Risk / Return Rank
VZ
QFIN
VZ vs. QFIN - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Verizon Communications Inc. (VZ) and 360 DigiTech, Inc. (QFIN). 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.
| VZ | QFIN | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +1.93 | ||
| Sortino ratioReturn per unit of downside risk | +3.50 | ||
| Omega ratioGain probability vs. loss probability | 1.18 | 0.76 | +0.42 |
| Calmar ratioReturn relative to maximum drawdown | 1.43 | -0.83 | +2.26 |
| Martin ratioReturn relative to average drawdown | 3.06 | -1.13 | +4.19 |
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Drawdowns
VZ vs. QFIN - Drawdown Comparison
The maximum VZ drawdown since its inception was -50.66%, smaller than the maximum QFIN drawdown of -76.74%. Use the drawdown chart below to compare losses from any high point for VZ and QFIN.
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Drawdown Indicators
| VZ | QFIN | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -50.66% | -76.74% | +26.08% |
Max Drawdown (1Y)Largest decline over 1 year | -13.32% | -72.31% | +58.99% |
Max Drawdown (3Y)Largest decline over 3 years | -14.93% | -73.15% | +58.22% |
Max Drawdown (5Y)Largest decline over 5 years | -38.38% | -76.74% | +38.36% |
Max Drawdown (10Y)Largest decline over 10 years | -41.21% | — | — |
Current DrawdownCurrent decline from peak | -4.96% | -64.51% | +59.55% |
Average DrawdownAverage peak-to-trough decline | -14.82% | -45.54% | +30.72% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 6.23% | 53.01% | -46.78% |
Volatility
VZ vs. QFIN - Volatility Comparison
The current volatility for Verizon Communications Inc. (VZ) is 6.87%, while 360 DigiTech, Inc. (QFIN) has a volatility of 29.45%. This indicates that VZ experiences smaller price fluctuations and is considered to be less risky than QFIN based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| VZ | QFIN | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 6.87% | 29.45% | -22.58% |
Volatility (6M)Calculated over the trailing 6-month period | 17.91% | 38.71% | -20.80% |
Volatility (1Y)Calculated over the trailing 1-year period | 22.78% | 55.12% | -32.34% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 21.66% | 66.39% | -44.73% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 20.36% | 72.04% | -51.68% |
Dividends
VZ vs. QFIN - Dividend Comparison
VZ's dividend yield for the trailing twelve months is around 5.75%, less than QFIN's 10.00% 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% |
VZ Verizon Communications Inc. | 5.75% | 6.68% | 6.68% | 6.96% | 6.53% | 4.85% | 4.21% | 3.95% | 4.22% | 4.39% | 4.26% | 4.79% |
Financials
VZ vs. QFIN - Financials Comparison
This section allows you to compare key financial metrics between Verizon Communications Inc. and 360 DigiTech, 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
VZ vs. QFIN - Profitability Comparison
VZ - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Verizon Communications Inc. reported a gross profit of 20.77B and revenue of 34.44B. Therefore, the gross margin over that period was 60.3%.
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%.
VZ - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Verizon Communications Inc. reported an operating income of 8.24B and revenue of 34.44B, resulting in an operating margin of 23.9%.
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%.
VZ - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Verizon Communications Inc. reported a net income of 5.05B and revenue of 34.44B, resulting in a net margin of 14.7%.
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%.
Frequently Asked Questions
VZ and QFIN 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 VZ (6.87%). In terms of maximum drawdown, VZ dropped -50.66% vs QFIN's -76.74%.
VZ currently has the higher Sharpe Ratio (0.84 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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