Head-To-Head Analysis: 360 Finance (NASDAQ:QFIN) versus Qudian (NASDAQ:QD)

Qudian (NYSE:QD) and 360 Finance (NASDAQ:QFIN) are both finance companies, but which is the better stock? We will contrast the two companies based on the strength of their dividends, profitability, earnings, valuation, analyst recommendations, risk and institutional ownership.

Profitability

This table compares Qudian and 360 Finance’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Qudian 38.69% 28.87% 18.13%
360 Finance N/A N/A N/A

Institutional and Insider Ownership

11.8% of Qudian shares are held by institutional investors. Comparatively, 0.8% of 360 Finance shares are held by institutional investors. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Valuation and Earnings

This table compares Qudian and 360 Finance’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Qudian $1.12 billion 2.37 $362.35 million $1.13 7.10
360 Finance $646.79 million 2.49 $173.56 million N/A N/A

Qudian has higher revenue and earnings than 360 Finance.

Analyst Ratings

This is a summary of current recommendations and price targets for Qudian and 360 Finance, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Qudian 0 5 1 0 2.17
360 Finance 0 0 2 0 3.00

Qudian currently has a consensus target price of $14.50, suggesting a potential upside of 80.80%. 360 Finance has a consensus target price of $29.00, suggesting a potential upside of 158.70%. Given 360 Finance’s stronger consensus rating and higher probable upside, analysts clearly believe 360 Finance is more favorable than Qudian.

Summary

Qudian beats 360 Finance on 6 of the 10 factors compared between the two stocks.

Qudian Company Profile

Qudian Inc. provides online small consumer credit products in the People's Republic of China. It uses big data-enabled technologies, including artificial intelligence and machine learning to transform the consumer finance experience. The company offers small credit products, such as cash credit products; merchandise credit products to finance borrowers' direct purchase of merchandise offered on its marketplace on installment basis; and budget auto financing products. In addition, it operates a platform for loan recommendations and referrals. Qudian Inc. was founded in 2014 and is headquartered in Beijing, the People's Republic of China.

360 Finance Company Profile

360 Finance, Inc. operates a digital consumer finance platform in China. Its platform provides online consumer finance products to prime and underserved borrowers. The company was founded in 2016 and is headquartered in Shanghai, China.

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