XYF vs. QFIN
XYF (X Financial) and QFIN (360 DigiTech, Inc.) are both stocks. Both operate in the Credit Services industry within the Financial Services sector. Over the past 5 years, XYF returned 1.52%/yr vs -10.51%/yr for QFIN. At a 0.30 correlation, their price movements are largely independent.
Performance
XYF vs. QFIN - Performance Comparison
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Returns By Period
In the year-to-date period, XYF achieves a -8.56% return, which is significantly higher than QFIN's -16.41% return.
XYF
- 1D
- -1.63%
- 1M
- -3.40%
- YTD
- -8.56%
- 6M
- -28.49%
- 1Y
- -71.72%
- 3Y*
- 15.77%
- 5Y*
- 1.52%
- 10Y*
- —
QFIN
- 1D
- -8.21%
- 1M
- 13.60%
- YTD
- -16.41%
- 6M
- -15.14%
- 1Y
- -59.36%
- 3Y*
- 9.22%
- 5Y*
- -10.51%
- 10Y*
- —
XYF vs. QFIN - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | |
|---|---|---|---|---|---|---|---|---|---|
XYF X Financial | -8.56% | -30.39% | 146.56% | 26.06% | 0.33% | 50.50% | -60.55% | -59.73% | -35.11% |
QFIN 360 DigiTech, Inc. | -16.41% | -47.46% | 162.76% | -16.28% | -6.54% | 97.15% | 20.68% | -36.99% | -6.02% |
Correlation
The correlation between XYF and QFIN is 0.33, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.33 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.32 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.36 |
Correlation (All Time) Calculated using the full available price history since Dec 17, 2018 | 0.30 |
Fundamentals
XYF:
$31.73M
QFIN:
$936.57M
XYF:
$151.75
QFIN:
$51.00
XYF:
0.03
QFIN:
0.30
XYF:
0.00
QFIN:
0.01
XYF:
0.01
QFIN:
0.09
XYF:
0.00
QFIN:
0.04
XYF:
$6.34B
QFIN:
$17.46B
XYF:
$3.69B
QFIN:
$12.90B
XYF:
$2.04B
QFIN:
$6.93B
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Return for Risk
XYF vs. QFIN — Risk / Return Rank
XYF
QFIN
XYF vs. QFIN - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for X Financial (XYF) 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.
| XYF | QFIN | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.05 | ||
| Sortino ratioReturn per unit of downside risk | -0.11 | ||
| Omega ratioGain probability vs. loss probability | 0.74 | 0.77 | -0.03 |
| Calmar ratioReturn relative to maximum drawdown | -0.87 | -0.82 | -0.05 |
| Martin ratioReturn relative to average drawdown | -1.28 | -1.14 | -0.14 |
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
| XYF | QFIN | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | -1.13 | -1.08 | -0.05 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.02 | -0.16 | +0.18 |
Sharpe Ratio (All Time)Calculated using the full available price history | -0.23 | 0.05 | -0.27 |
Drawdowns
XYF vs. QFIN - Drawdown Comparison
The maximum XYF drawdown since its inception was -95.75%, which is greater than QFIN's maximum drawdown of -76.74%. Use the drawdown chart below to compare losses from any high point for XYF and QFIN.
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Drawdown Indicators
| XYF | QFIN | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -95.75% | -76.74% | -19.01% |
Max Drawdown (1Y)Largest decline over 1 year | -82.64% | -72.31% | -10.33% |
Max Drawdown (3Y)Largest decline over 3 years | -82.64% | -73.15% | -9.49% |
Max Drawdown (5Y)Largest decline over 5 years | -90.16% | -76.74% | -13.42% |
Current DrawdownCurrent decline from peak | -83.07% | -64.97% | -18.10% |
Average DrawdownAverage peak-to-trough decline | -80.02% | -45.45% | -34.57% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 55.95% | 51.90% | +4.05% |
Volatility
XYF vs. QFIN - Volatility Comparison
The current volatility for X Financial (XYF) is 18.59%, while 360 DigiTech, Inc. (QFIN) has a volatility of 29.66%. This indicates that XYF 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
| XYF | QFIN | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 18.59% | 29.66% | -11.07% |
Volatility (6M)Calculated over the trailing 6-month period | 48.84% | 38.48% | +10.36% |
Volatility (1Y)Calculated over the trailing 1-year period | 63.57% | 54.87% | +8.70% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 79.47% | 66.91% | +12.56% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 91.34% | 72.14% | +19.20% |
Dividends
XYF vs. QFIN - Dividend Comparison
XYF's dividend yield for the trailing twelve months is around 16.77%, more than QFIN's 10.13% 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% |
XYF X Financial | 16.77% | 9.46% | 4.08% | 4.64% | 0.00% | 0.00% | 0.00% | 5.92% |
Financials
XYF vs. QFIN - Financials Comparison
This section allows you to compare key financial metrics between X Financial 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
XYF vs. QFIN - Profitability Comparison
XYF - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, X Financial reported a gross profit of 686.60M and revenue of 1.17B. Therefore, the gross margin over that period was 58.7%.
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%.
XYF - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, X Financial reported an operating income of 139.81M and revenue of 1.17B, resulting in an operating margin of 12.0%.
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%.
XYF - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, X Financial reported a net income of 37.72M and revenue of 1.17B, resulting in a net margin of 3.2%.
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
XYF and QFIN have a correlation of 0.33, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
QFIN has higher volatility (29.66%) compared to XYF (18.59%). In terms of maximum drawdown, XYF dropped -95.75% vs QFIN's -76.74%.
QFIN currently has the higher Sharpe Ratio (-1.08 vs -1.13), 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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