XYF vs. QFIN
Compare and contrast key facts about X Financial (XYF) and 360 DigiTech, Inc. (QFIN).
Performance
XYF vs. QFIN - Performance Comparison
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XYF vs. QFIN - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | |
|---|---|---|---|---|---|---|---|---|---|
XYF X Financial | -26.43% | -30.39% | 146.56% | 26.06% | 0.33% | 50.50% | -60.55% | -59.73% | -35.11% |
QFIN 360 DigiTech, Inc. | -32.64% | -47.46% | 162.76% | -16.28% | -6.54% | 97.15% | 20.68% | -36.99% | -6.02% |
Fundamentals
XYF:
$27.27M
QFIN:
$847.18M
XYF:
$209.80
QFIN:
$53.57
XYF:
0.02
QFIN:
0.24
XYF:
0.00
QFIN:
0.01
XYF:
0.00
QFIN:
0.08
XYF:
0.00
QFIN:
0.04
XYF:
$6.62B
QFIN:
$17.63B
XYF:
$3.60B
QFIN:
$13.12B
XYF:
$2.49B
QFIN:
$8.02B
Returns By Period
In the year-to-date period, XYF achieves a -26.43% return, which is significantly higher than QFIN's -32.64% return.
XYF
- 1D
- 0.00%
- 1M
- -17.43%
- YTD
- -26.43%
- 6M
- -70.57%
- 1Y
- -69.96%
- 3Y*
- 15.50%
- 5Y*
- 4.81%
- 10Y*
- —
QFIN
- 1D
- 0.54%
- 1M
- -15.66%
- YTD
- -32.64%
- 6M
- -56.28%
- 1Y
- -69.33%
- 3Y*
- -6.51%
- 5Y*
- -7.97%
- 10Y*
- —
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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 | -0.97 | -1.41 | +0.44 |
Sortino ratioReturn per unit of downside risk | -1.69 | -2.72 | +1.03 |
Omega ratioGain probability vs. loss probability | 0.79 | 0.67 | +0.12 |
Calmar ratioReturn relative to maximum drawdown | -0.85 | -0.96 | +0.11 |
Martin ratioReturn relative to average drawdown | -1.49 | -1.58 | +0.09 |
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 | -0.97 | -1.41 | +0.44 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.06 | -0.12 | +0.18 |
Sharpe Ratio (All Time)Calculated using the full available price history | -0.25 | 0.00 | -0.26 |
Correlation
The correlation between XYF and QFIN is 0.30, which is considered to be low. This implies their price changes are not closely related. A low correlation is generally favorable for portfolio diversification, as it helps to reduce overall risk by spreading it across multiple assets with different performance patterns.
Dividends
XYF vs. QFIN - Dividend Comparison
XYF's dividend yield for the trailing twelve months is around 12.86%, more than QFIN's 11.25% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|---|---|---|
XYF X Financial | 12.86% | 9.46% | 4.08% | 4.64% | 0.00% | 0.00% | 0.00% | 5.92% |
QFIN 360 DigiTech, Inc. | 11.25% | 7.58% | 4.56% | 7.27% | 4.03% | 1.22% | 0.00% | 0.00% |
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% | -72.43% | -10.21% |
Max Drawdown (5Y)Largest decline over 5 years | -90.16% | -76.74% | -13.42% |
Current DrawdownCurrent decline from peak | -86.38% | -71.77% | -14.61% |
Average DrawdownAverage peak-to-trough decline | -79.93% | -44.90% | -35.03% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 47.12% | 44.09% | +3.03% |
Volatility
XYF vs. QFIN - Volatility Comparison
X Financial (XYF) has a higher volatility of 36.15% compared to 360 DigiTech, Inc. (QFIN) at 13.09%. This indicates that XYF's price experiences larger fluctuations and is considered to be riskier 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 | 36.15% | 13.09% | +23.06% |
Volatility (6M)Calculated over the trailing 6-month period | 51.01% | 37.96% | +13.05% |
Volatility (1Y)Calculated over the trailing 1-year period | 72.23% | 49.30% | +22.93% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 83.18% | 66.93% | +16.25% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 92.02% | 71.94% | +20.08% |
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 Apr 2026, X Financial reported a gross profit of 949.18M and revenue of 1.45B. Therefore, the gross margin over that period was 65.6%.
QFIN - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, 360 DigiTech, Inc. reported a gross profit of 3.16B and revenue of 4.04B. Therefore, the gross margin over that period was 78.3%.
XYF - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, X Financial reported an operating income of 19.90M and revenue of 1.45B, resulting in an operating margin of 1.4%.
QFIN - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, 360 DigiTech, Inc. reported an operating income of 807.26M and revenue of 4.04B, resulting in an operating margin of 20.0%.
XYF - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, X Financial reported a net income of 56.38M and revenue of 1.45B, resulting in a net margin of 3.9%.
QFIN - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, 360 DigiTech, Inc. reported a net income of 998.68M and revenue of 4.04B, resulting in a net margin of 24.7%.