Go Pro

Qfin (QFIN) Competitors

Qfin logo
$8.47 0.00 (0.00%)
Closing price 09/11/2026 04:00 PM Eastern
Extended Trading
$8.46 -0.02 (-0.18%)
As of 09/11/2026 07:30 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.

QFIN vs. BFH, UPST, LC, ECPG, and HAPN

Should you buy Qfin stock or one of its competitors? Qfin's main competitors and comparable companies include Bread Financial (BFH), Upstart (UPST), LendingClub (LC), Encore Capital Group (ECPG), and Lendingclub (HAPN). Companies are selected based on similarities in market, industry, and size. These companies are all part of the "consumer finance" industry.

How does Qfin compare to Bread Financial?

Bread Financial (NYSE:BFH) and Qfin (NASDAQ:QFIN) are both finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their risk, dividends, earnings, media sentiment, profitability, analyst recommendations, institutional ownership and valuation.

Bread Financial presently has a consensus price target of $112.29, suggesting a potential upside of 5.65%. Qfin has a consensus price target of $12.29, suggesting a potential upside of 45.08%. Given Qfin's higher probable upside, analysts plainly believe Qfin is more favorable than Bread Financial.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Bread Financial
1 Sell rating(s)
6 Hold rating(s)
8 Buy rating(s)
1 Strong Buy rating(s)
2.56
Qfin
4 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
1.63

In the previous week, Bread Financial had 2 more articles in the media than Qfin. MarketBeat recorded 9 mentions for Bread Financial and 7 mentions for Qfin. Bread Financial's average media sentiment score of 0.86 beat Qfin's score of 0.74 indicating that Bread Financial is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Bread Financial
3 Very Positive mention(s)
2 Positive mention(s)
3 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Qfin
2 Very Positive mention(s)
1 Positive mention(s)
3 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Qfin has lower revenue, but higher earnings than Bread Financial. Qfin is trading at a lower price-to-earnings ratio than Bread Financial, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Bread Financial$4.70B0.87$518M$12.828.29
Qfin$2.75B0.38$856.52M$4.162.04

Qfin has a net margin of 22.23% compared to Bread Financial's net margin of 11.95%. Bread Financial's return on equity of 18.42% beat Qfin's return on equity.

Company Net Margins Return on Equity Return on Assets
Bread Financial11.95% 18.42% 2.76%
Qfin 22.23%15.23%6.60%

Bread Financial has a beta of 1.1, meaning that its stock price is 10% more volatile than the broader market. Comparatively, Qfin has a beta of 0.57, meaning that its stock price is 43% less volatile than the broader market.

99.5% of Bread Financial shares are held by institutional investors. Comparatively, 74.8% of Qfin shares are held by institutional investors. 1.3% of Bread Financial shares are held by insiders. Comparatively, 17.1% of Qfin shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Bread Financial pays an annual dividend of $0.92 per share and has a dividend yield of 0.9%. Qfin pays an annual dividend of $0.90 per share and has a dividend yield of 10.6%. Bread Financial pays out 7.2% of its earnings in the form of a dividend. Qfin pays out 21.6% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Summary

Bread Financial beats Qfin on 13 of the 19 factors compared between the two stocks.

How does Qfin compare to Upstart?

Qfin (NASDAQ:QFIN) and Upstart (NASDAQ:UPST) are both finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their analyst recommendations, institutional ownership, dividends, risk, valuation, profitability, earnings and media sentiment.

Qfin has a net margin of 22.23% compared to Upstart's net margin of 4.84%. Qfin's return on equity of 15.23% beat Upstart's return on equity.

Company Net Margins Return on Equity Return on Assets
Qfin22.23% 15.23% 6.60%
Upstart 4.84%7.13%1.82%

Qfin has a beta of 0.57, suggesting that its stock price is 43% less volatile than the broader market. Comparatively, Upstart has a beta of 2.16, suggesting that its stock price is 116% more volatile than the broader market.

Qfin has higher revenue and earnings than Upstart. Qfin is trading at a lower price-to-earnings ratio than Upstart, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Qfin$2.75B0.38$856.52M$4.162.04
Upstart$1.04B2.39$53.60M$0.4952.22

Qfin currently has a consensus target price of $12.29, indicating a potential upside of 45.08%. Upstart has a consensus target price of $43.75, indicating a potential upside of 70.97%. Given Upstart's stronger consensus rating and higher probable upside, analysts clearly believe Upstart is more favorable than Qfin.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Qfin
4 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
1.63
Upstart
2 Sell rating(s)
7 Hold rating(s)
8 Buy rating(s)
0 Strong Buy rating(s)
2.35

74.8% of Qfin shares are owned by institutional investors. Comparatively, 63.0% of Upstart shares are owned by institutional investors. 17.1% of Qfin shares are owned by company insiders. Comparatively, 17.3% of Upstart shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

In the previous week, Upstart had 5 more articles in the media than Qfin. MarketBeat recorded 12 mentions for Upstart and 7 mentions for Qfin. Upstart's average media sentiment score of 0.84 beat Qfin's score of 0.74 indicating that Upstart is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Qfin
2 Very Positive mention(s)
1 Positive mention(s)
3 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Upstart
4 Very Positive mention(s)
1 Positive mention(s)
3 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Positive

Summary

Upstart beats Qfin on 9 of the 16 factors compared between the two stocks.

How does Qfin compare to LendingClub?

LendingClub (NYSE:LC) and Qfin (NASDAQ:QFIN) are both finance companies, but which is the better business? We will compare the two businesses based on the strength of their profitability, valuation, institutional ownership, dividends, risk, media sentiment, analyst recommendations and earnings.

LendingClub has a beta of 1.98, indicating that its share price is 98% more volatile than the broader market. Comparatively, Qfin has a beta of 0.57, indicating that its share price is 43% less volatile than the broader market.

In the previous week, Qfin had 7 more articles in the media than LendingClub. MarketBeat recorded 7 mentions for Qfin and 0 mentions for LendingClub. Qfin's average media sentiment score of 0.74 beat LendingClub's score of 0.00 indicating that Qfin is being referred to more favorably in the news media.

Company Overall Sentiment
LendingClub Neutral
Qfin Positive

Qfin has higher revenue and earnings than LendingClub. Qfin is trading at a lower price-to-earnings ratio than LendingClub, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
LendingClub$1.03B2.14$135.68M$1.4912.89
Qfin$2.75B0.38$856.52M$4.162.04

Qfin has a net margin of 22.23% compared to LendingClub's net margin of 16.99%. Qfin's return on equity of 15.23% beat LendingClub's return on equity.

Company Net Margins Return on Equity Return on Assets
LendingClub16.99% 11.92% 1.55%
Qfin 22.23%15.23%6.60%

LendingClub currently has a consensus target price of $23.07, indicating a potential upside of 20.10%. Qfin has a consensus target price of $12.29, indicating a potential upside of 45.08%. Given Qfin's higher probable upside, analysts clearly believe Qfin is more favorable than LendingClub.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
LendingClub
0 Sell rating(s)
2 Hold rating(s)
6 Buy rating(s)
1 Strong Buy rating(s)
2.89
Qfin
4 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
1.63

74.1% of LendingClub shares are held by institutional investors. Comparatively, 74.8% of Qfin shares are held by institutional investors. 3.2% of LendingClub shares are held by insiders. Comparatively, 17.1% of Qfin shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Summary

Qfin beats LendingClub on 11 of the 17 factors compared between the two stocks.

How does Qfin compare to Encore Capital Group?

Qfin (NASDAQ:QFIN) and Encore Capital Group (NASDAQ:ECPG) are both finance companies, but which is the superior investment? We will compare the two companies based on the strength of their valuation, risk, dividends, analyst recommendations, institutional ownership, media sentiment, profitability and earnings.

In the previous week, Qfin had 4 more articles in the media than Encore Capital Group. MarketBeat recorded 7 mentions for Qfin and 3 mentions for Encore Capital Group. Encore Capital Group's average media sentiment score of 1.68 beat Qfin's score of 0.74 indicating that Encore Capital Group is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Qfin
2 Very Positive mention(s)
1 Positive mention(s)
3 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Encore Capital Group
2 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Very Positive

Qfin currently has a consensus price target of $12.29, indicating a potential upside of 45.08%. Encore Capital Group has a consensus price target of $89.75, indicating a potential downside of 8.94%. Given Qfin's higher probable upside, equities analysts plainly believe Qfin is more favorable than Encore Capital Group.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Qfin
4 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
1.63
Encore Capital Group
0 Sell rating(s)
0 Hold rating(s)
5 Buy rating(s)
1 Strong Buy rating(s)
3.17

Qfin has a net margin of 22.23% compared to Encore Capital Group's net margin of 15.86%. Encore Capital Group's return on equity of 29.83% beat Qfin's return on equity.

Company Net Margins Return on Equity Return on Assets
Qfin22.23% 15.23% 6.60%
Encore Capital Group 15.86%29.83%5.58%

Qfin has higher revenue and earnings than Encore Capital Group. Qfin is trading at a lower price-to-earnings ratio than Encore Capital Group, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Qfin$2.75B0.38$856.52M$4.162.04
Encore Capital Group$1.77B1.18$256.83M$13.217.46

74.8% of Qfin shares are held by institutional investors. 17.1% of Qfin shares are held by insiders. Comparatively, 3.0% of Encore Capital Group shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Qfin has a beta of 0.57, suggesting that its share price is 43% less volatile than the broader market. Comparatively, Encore Capital Group has a beta of 1.27, suggesting that its share price is 27% more volatile than the broader market.

Summary

Encore Capital Group beats Qfin on 9 of the 17 factors compared between the two stocks.

How does Qfin compare to Lendingclub?

Qfin (NASDAQ:QFIN) and Lendingclub (NASDAQ:HAPN) are both small-cap finance companies, but which is the better business? We will contrast the two businesses based on the strength of their valuation, dividends, profitability, earnings, analyst recommendations, risk, institutional ownership and media sentiment.

In the previous week, Qfin had 6 more articles in the media than Lendingclub. MarketBeat recorded 7 mentions for Qfin and 1 mentions for Lendingclub. Lendingclub's average media sentiment score of 1.87 beat Qfin's score of 0.74 indicating that Lendingclub is being referred to more favorably in the news media.

Company Overall Sentiment
Qfin Positive
Lendingclub Very Positive

Qfin has a net margin of 22.23% compared to Lendingclub's net margin of 18.67%. Qfin's return on equity of 15.23% beat Lendingclub's return on equity.

Company Net Margins Return on Equity Return on Assets
Qfin22.23% 15.23% 6.60%
Lendingclub 18.67%12.92%1.66%

Qfin currently has a consensus target price of $12.29, suggesting a potential upside of 45.08%. Lendingclub has a consensus target price of $25.00, suggesting a potential upside of 48.81%. Given Lendingclub's stronger consensus rating and higher possible upside, analysts plainly believe Lendingclub is more favorable than Qfin.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Qfin
4 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
1.63
Lendingclub
0 Sell rating(s)
1 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.67

74.8% of Qfin shares are held by institutional investors. Comparatively, 74.1% of Lendingclub shares are held by institutional investors. 17.1% of Qfin shares are held by company insiders. Comparatively, 3.3% of Lendingclub shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Qfin has higher revenue and earnings than Lendingclub. Qfin is trading at a lower price-to-earnings ratio than Lendingclub, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Qfin$2.75B0.38$856.52M$4.162.04
Lendingclub$998.85M1.94$135.68M$1.6610.12

Qfin has a beta of 0.57, meaning that its stock price is 43% less volatile than the broader market. Comparatively, Lendingclub has a beta of 1.86, meaning that its stock price is 86% more volatile than the broader market.

Summary

Qfin beats Lendingclub on 9 of the 16 factors compared between the two stocks.

Get Qfin News Delivered to You Automatically

Sign up to receive the latest news and ratings for QFIN and its competitors with MarketBeat's FREE daily newsletter.

Subscribe Now
SMS is currently available in Australia, Belgium, Canada, France, Germany, Ireland, Italy, New Zealand, the Netherlands, Singapore, South Africa, Spain, Switzerland, the United Kingdom, and the United States. By entering your phone number and clicking the sign-up button, you agree to receive periodic text messages from MarketBeat at the phone number you submitted, including texts that may be sent using an automatic telephone dialing system. Message and data rates may apply. Message frequency will vary. Messages will consist of stock alerts, news stories, and partner advertisements/offers. Consent is not a condition of the purchase of any goods or services. Text HELP for help/customer support. Unsubscribe at any time by replying "STOP" to any text message that you receive from MarketBeat or by visiting our mailing preferences page. Read our full terms of service and privacy policy.

New MarketBeat Followers Over Time

This chart shows the number of new MarketBeat users adding QFIN and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
Skip Chart

Media Sentiment Over Time

This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
Skip Chart

QFIN vs. The Competition

MetricQfinConsumer Finance IndustryFinance SectorNASDAQ Exchange
Market Cap$1.03B$7.22B$14.02B$12.84B
Dividend Yield10.63%12.63%5.95%11.71%
P/E Ratio2.049.0025.6825.35
Price / Sales0.3868.50510.2190.72
Price / Cash1.3811.5730.3034.96
Price / Book0.352.592.746.21
Net Income$856.52M$442.63M$1.32B$358.54M
7 Day Performance-6.51%-2.07%-1.14%-2.35%
1 Month Performance-30.97%-4.16%-0.24%-3.37%
1 Year Performance-70.13%7.74%8.39%8.81%

Qfin Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
QFIN
Qfin
4.9178 of 5 stars
$8.47
flat
$12.29
+45.1%
-70.1%$1.03B$2.75B2.043,557
BFH
Bread Financial
3.4115 of 5 stars
$110.70
-0.2%
$112.08
+1.2%
+68.3%$4.26B$4.70B8.636,000
UPST
Upstart
4.5061 of 5 stars
$28.05
flat
$44.40
+58.3%
-59.4%$2.73B$1.04B57.241,405
LC
LendingClub
2.9735 of 5 stars
$19.21
flat
$23.07
+20.1%
N/A$2.22B$1.03B12.891,075
ECPG
Encore Capital Group
2.4599 of 5 stars
$97.30
flat
$89.75
-7.8%
+122.9%$2.06B$1.77B7.377,350

Related Companies and Tools


This page (NASDAQ:QFIN) was last updated on 9/14/2026 by MarketBeat.com Staff.
From Our Partners