QFIN
Price
$29.10
Change
+$0.09 (+0.31%)
Updated
Aug 29, 04:15 PM (EDT)
Capitalization
4.05B
82 days until earnings call
XYF
Price
$15.21
Change
+$0.37 (+2.49%)
Updated
Aug 29, 04:25 PM (EDT)
Capitalization
606.3M
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QFIN vs XYF

Header iconQFIN vs XYF Comparison
Open Charts QFIN vs XYFBanner chart's image
Qfin Holdings
Price$29.10
Change+$0.09 (+0.31%)
Volume$732
Capitalization4.05B
X Financial
Price$15.21
Change+$0.37 (+2.49%)
Volume$300
Capitalization606.3M
QFIN vs XYF Comparison Chart in %
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QFIN
Daily Signalchanged days ago
Gain/Loss if bought
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XYF
Daily Signalchanged days ago
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QFIN vs. XYF commentary
Aug 29, 2025

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is QFIN is a StrongBuy and XYF is a Buy.

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COMPARISON
Comparison
Aug 29, 2025
Stock price -- (QFIN: $29.01 vs. XYF: $14.83)
Brand notoriety: QFIN and XYF are both not notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: QFIN: 124% vs. XYF: 57%
Market capitalization -- QFIN: $4.05B vs. XYF: $606.3M
QFIN [@Savings Banks] is valued at $4.05B. XYF’s [@Savings Banks] market capitalization is $606.3M. The market cap for tickers in the [@Savings Banks] industry ranges from $679.06B to $0. The average market capitalization across the [@Savings Banks] industry is $22.21B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

QFIN’s FA Score shows that 1 FA rating(s) are green whileXYF’s FA Score has 1 green FA rating(s).

  • QFIN’s FA Score: 1 green, 4 red.
  • XYF’s FA Score: 1 green, 4 red.
According to our system of comparison, XYF is a better buy in the long-term than QFIN.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

QFIN’s TA Score shows that 5 TA indicator(s) are bullish while XYF’s TA Score has 4 bullish TA indicator(s).

  • QFIN’s TA Score: 5 bullish, 4 bearish.
  • XYF’s TA Score: 4 bullish, 5 bearish.
According to our system of comparison, QFIN is a better buy in the short-term than XYF.

Price Growth

QFIN (@Savings Banks) experienced а -5.41% price change this week, while XYF (@Savings Banks) price change was +0.27% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was +0.17%. For the same industry, the average monthly price growth was +3.70%, and the average quarterly price growth was +18.39%.

Reported Earning Dates

QFIN is expected to report earnings on Nov 19, 2025.

Industries' Descriptions

@Savings Banks (+0.17% weekly)

A savings bank primary function is to take deposits and paying interest on those deposits. Originating in Europe during the 18th century, these banks were generally introduced to incentivize people of all stripes to save money and park them with banks. By the 1990s, the internet ushered in online savings banks that allowed savers to deposit/transact with banks digitally, without requiring to visit a branch office. Savings banks have potentially encouraged lower-income population to save and have access to a financial institution to earn interest on their money. New York Community Bancorp, Inc, Webster Financial Corporation, Washington Federal, Inc. are examples of savings banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
QFIN($4.05B) has a higher market cap than XYF($606M). QFIN has higher P/E ratio than XYF: QFIN (4.13) vs XYF (2.76). XYF YTD gains are higher at: 80.639 vs. QFIN (-22.993). QFIN has higher revenues than XYF: QFIN (15.7B) vs XYF (2.76B).
QFINXYFQFIN / XYF
Capitalization4.05B606M668%
EBITDAN/AN/A-
Gain YTD-22.99380.639-29%
P/E Ratio4.132.76149%
Revenue15.7B2.76B568%
Total CashN/AN/A-
Total Debt6.32BN/A-
FUNDAMENTALS RATINGS
QFIN vs XYF: Fundamental Ratings
QFIN
XYF
OUTLOOK RATING
1..100
5760
VALUATION
overvalued / fair valued / undervalued
1..100
11
Undervalued
13
Undervalued
PROFIT vs RISK RATING
1..100
5745
SMR RATING
1..100
100100
PRICE GROWTH RATING
1..100
6538
P/E GROWTH RATING
1..100
100100
SEASONALITY SCORE
1..100
5085

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

QFIN's Valuation (11) in the Finance Or Rental Or Leasing industry is in the same range as XYF (13). This means that QFIN’s stock grew similarly to XYF’s over the last 12 months.

XYF's Profit vs Risk Rating (45) in the Finance Or Rental Or Leasing industry is in the same range as QFIN (57). This means that XYF’s stock grew similarly to QFIN’s over the last 12 months.

XYF's SMR Rating (100) in the Finance Or Rental Or Leasing industry is in the same range as QFIN (100). This means that XYF’s stock grew similarly to QFIN’s over the last 12 months.

XYF's Price Growth Rating (38) in the Finance Or Rental Or Leasing industry is in the same range as QFIN (65). This means that XYF’s stock grew similarly to QFIN’s over the last 12 months.

XYF's P/E Growth Rating (100) in the Finance Or Rental Or Leasing industry is in the same range as QFIN (100). This means that XYF’s stock grew similarly to QFIN’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
QFINXYF
RSI
ODDS (%)
Bullish Trend 2 days ago
90%
Bullish Trend 2 days ago
69%
Stochastic
ODDS (%)
Bullish Trend 2 days ago
78%
Bearish Trend 2 days ago
77%
Momentum
ODDS (%)
Bearish Trend 2 days ago
80%
Bullish Trend 2 days ago
80%
MACD
ODDS (%)
Bullish Trend 2 days ago
76%
Bullish Trend 2 days ago
82%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
79%
Bullish Trend 2 days ago
81%
TrendMonth
ODDS (%)
Bearish Trend 2 days ago
80%
Bullish Trend 2 days ago
81%
Advances
ODDS (%)
Bullish Trend 8 days ago
83%
Bullish Trend 8 days ago
82%
Declines
ODDS (%)
Bearish Trend 2 days ago
76%
Bearish Trend 2 days ago
74%
BollingerBands
ODDS (%)
Bullish Trend 2 days ago
84%
Bearish Trend 2 days ago
82%
Aroon
ODDS (%)
Bearish Trend 2 days ago
76%
Bearish Trend 2 days ago
77%
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QFIN
Daily Signalchanged days ago
Gain/Loss if bought
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XYF
Daily Signalchanged days ago
Gain/Loss if bought
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QFIN and

Correlation & Price change

A.I.dvisor indicates that over the last year, QFIN has been loosely correlated with FINV. These tickers have moved in lockstep 63% of the time. This A.I.-generated data suggests there is some statistical probability that if QFIN jumps, then FINV could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To QFIN
1D Price
Change %
QFIN100%
-2.36%
FINV - QFIN
63%
Loosely correlated
-2.45%
LX - QFIN
60%
Loosely correlated
N/A
XYF - QFIN
49%
Loosely correlated
-1.00%
LU - QFIN
48%
Loosely correlated
-1.99%
YRD - QFIN
46%
Loosely correlated
-0.68%
More

XYF and

Correlation & Price change

A.I.dvisor indicates that over the last year, XYF has been loosely correlated with LX. These tickers have moved in lockstep 52% of the time. This A.I.-generated data suggests there is some statistical probability that if XYF jumps, then LX could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To XYF
1D Price
Change %
XYF100%
-1.00%
LX - XYF
52%
Loosely correlated
N/A
QFIN - XYF
49%
Loosely correlated
-2.36%
YRD - XYF
44%
Loosely correlated
-0.68%
FINV - XYF
40%
Loosely correlated
-2.45%
AER - XYF
31%
Poorly correlated
+0.71%
More