Go Pro

Qfin (QFIN) Competitors

Qfin logo
$6.46 -0.01 (-0.15%)
Closing price 10/2/2026 04:00 PM Eastern
Extended Trading
$6.48 +0.02 (+0.33%)
As of 10/2/2026 07:50 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. UPST, LC, ECPG, EZPW, and HAPN

Should you buy Qfin stock or one of its competitors? Qfin's main competitors and comparable companies include Upstart (UPST), LendingClub (LC), Encore Capital Group (ECPG), EZCORP (EZPW), 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 Upstart?

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

63.0% of Upstart shares are owned by institutional investors. Comparatively, 74.8% of Qfin shares are owned by institutional investors. 17.3% of Upstart shares are owned by insiders. Comparatively, 17.1% of Qfin shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

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
Upstart$1.04B2.13$53.60M$0.4946.55
Qfin$2.75B0.29$856.52M$4.161.55

Upstart currently has a consensus price target of $43.75, indicating a potential upside of 91.80%. Qfin has a consensus price target of $12.29, indicating a potential upside of 90.22%. 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
Upstart
2 Sell rating(s)
7 Hold rating(s)
8 Buy rating(s)
0 Strong Buy rating(s)
2.35
Qfin
4 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
1.63

In the previous week, Qfin had 33 more articles in the media than Upstart. MarketBeat recorded 39 mentions for Qfin and 6 mentions for Upstart. Upstart's average media sentiment score of 0.66 beat Qfin's score of -0.09 indicating that Upstart is being referred to more favorably in the media.

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

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
Upstart4.84% 7.13% 1.82%
Qfin 22.23%15.23%6.60%

Upstart has a beta of 2.43, indicating that its stock price is 143% more volatile than the broader market. Comparatively, Qfin has a beta of 0.55, indicating that its stock price is 45% less volatile than the broader market.

Summary

Upstart and Qfin tied by winning 8 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 stock? We will compare the two businesses based on the strength of their analyst recommendations, valuation, institutional ownership, risk, profitability, dividends, earnings and media sentiment.

LendingClub presently 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 90.22%. Given Qfin's higher probable upside, analysts plainly 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

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$2.75B0.29$856.52M$4.161.55

In the previous week, Qfin had 39 more articles in the media than LendingClub. MarketBeat recorded 39 mentions for Qfin and 0 mentions for LendingClub. LendingClub's average media sentiment score of 0.76 beat Qfin's score of -0.09 indicating that LendingClub is being referred to more favorably in the media.

Company Overall Sentiment
LendingClub Positive
Qfin Neutral

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 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 0.55, indicating that its share price is 45% less volatile than the broader market.

74.1% of LendingClub shares are owned by institutional investors. Comparatively, 74.8% of Qfin shares are owned by institutional investors. 3.2% of LendingClub shares are owned by company insiders. Comparatively, 17.1% of Qfin shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Summary

Qfin beats LendingClub on 10 of the 17 factors compared between the two stocks.

How does Qfin compare to Encore Capital Group?

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

In the previous week, Qfin had 35 more articles in the media than Encore Capital Group. MarketBeat recorded 39 mentions for Qfin and 4 mentions for Encore Capital Group. Encore Capital Group's average media sentiment score of 0.99 beat Qfin's score of -0.09 indicating that Encore Capital Group is being referred to more favorably in the media.

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

Encore Capital Group currently has a consensus price target of $89.75, indicating a potential downside of 6.43%. Qfin has a consensus price target of $12.29, indicating a potential upside of 90.22%. Given Qfin's higher possible upside, analysts plainly believe Qfin is more favorable than Encore Capital Group.

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

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
Encore Capital Group15.86% 29.83% 5.58%
Qfin 22.23%15.23%6.60%

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

Encore Capital Group has a beta of 1.3, suggesting that its stock price is 30% more volatile than the broader market. Comparatively, Qfin has a beta of 0.55, suggesting that its stock price is 45% less volatile than the broader market.

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
Encore Capital Group$1.77B1.15$256.83M$13.217.26
Qfin$2.75B0.29$856.52M$4.161.55

Summary

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

How does Qfin compare to EZCORP?

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

74.8% of Qfin shares are held by institutional investors. Comparatively, 99.8% of EZCORP shares are held by institutional investors. 17.1% of Qfin shares are held by company insiders. Comparatively, 2.1% of EZCORP shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Qfin$2.75B0.29$856.52M$4.161.55
EZCORP$1.27B1.46$109.61M$1.9815.25

Qfin currently has a consensus target price of $12.29, suggesting a potential upside of 90.22%. EZCORP has a consensus target price of $38.80, suggesting a potential upside of 28.48%. Given Qfin's higher probable upside, equities research analysts plainly believe Qfin is more favorable than EZCORP.

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
EZCORP
0 Sell rating(s)
2 Hold rating(s)
6 Buy rating(s)
0 Strong Buy rating(s)
2.75

Qfin has a beta of 0.55, suggesting that its share price is 45% less volatile than the broader market. Comparatively, EZCORP has a beta of 0.71, suggesting that its share price is 29% less volatile than the broader market.

In the previous week, Qfin had 36 more articles in the media than EZCORP. MarketBeat recorded 39 mentions for Qfin and 3 mentions for EZCORP. EZCORP's average media sentiment score of 0.74 beat Qfin's score of -0.09 indicating that EZCORP is being referred to more favorably in the news media.

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

Qfin has a net margin of 22.23% compared to EZCORP's net margin of 9.97%. Qfin's return on equity of 15.23% beat EZCORP's return on equity.

Company Net Margins Return on Equity Return on Assets
Qfin22.23% 15.23% 6.60%
EZCORP 9.97%13.99%7.49%

Summary

Qfin and EZCORP tied by winning 8 of the 16 factors compared between the two stocks.

How does Qfin compare to Lendingclub?

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

In the previous week, Qfin had 38 more articles in the media than Lendingclub. MarketBeat recorded 39 mentions for Qfin and 1 mentions for Lendingclub. Lendingclub's average media sentiment score of 0.51 beat Qfin's score of -0.09 indicating that Lendingclub is being referred to more favorably in the media.

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

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
Lendingclub18.67% 12.92% 1.66%
Qfin 22.23%15.23%6.60%

74.1% of Lendingclub shares are owned by institutional investors. Comparatively, 74.8% of Qfin shares are owned by institutional investors. 3.3% of Lendingclub shares are owned by insiders. Comparatively, 17.1% of Qfin shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

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$998.85M1.78$135.68M$1.669.27
Qfin$2.75B0.29$856.52M$4.161.55

Lendingclub has a beta of 1.88, indicating that its stock price is 88% more volatile than the broader market. Comparatively, Qfin has a beta of 0.55, indicating that its stock price is 45% less volatile than the broader market.

Lendingclub presently has a consensus target price of $25.00, indicating a potential upside of 62.55%. Qfin has a consensus target price of $12.29, indicating a potential upside of 90.22%. 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)
1 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.67
Qfin
4 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
1.63

Summary

Qfin beats Lendingclub on 10 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$786.52M$6.71B$13.12B$13.28B
Dividend Yield13.93%12.83%6.03%17.33%
P/E Ratio1.558.4424.5126.04
Price / Sales0.2966.35501.33110.58
Price / Cash1.0611.1245.5152.62
Price / Book0.272.482.706.31
Net Income$856.52M$442.63M$1.32B$362.16M
7 Day Performance-11.51%-2.11%-1.04%-1.66%
1 Month Performance-28.70%-7.18%-3.20%-4.68%
1 Year Performance-78.11%2.25%10.47%1.57%

Qfin Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
QFIN
Qfin
4.6802 of 5 stars
$6.46
-0.2%
$12.29
+90.2%
-78.1%$786.52M$2.75B1.553,557
UPST
Upstart
4.3884 of 5 stars
$23.03
-3.3%
$43.75
+90.0%
-56.1%$2.32B$1.04B47.001,405
LC
LendingClub
3.601 of 5 stars
$19.21
flat
$23.07
+20.1%
N/A$2.22B$1.03B12.891,075
ECPG
Encore Capital Group
2.3745 of 5 stars
$96.49
-2.0%
$89.75
-7.0%
+132.2%$2.09B$1.77B7.307,350
EZPW
EZCORP
3.8609 of 5 stars
$30.83
-1.1%
$38.80
+25.9%
+66.1%$1.91B$1.27B15.578,500

Related Companies and Tools


This page (NASDAQ:QFIN) was last updated on 10/4/2026 by MarketBeat.com Staff.
From Our Partners