$9F(JFU.US)$ and $360 DigiTech(QFIN.US)$ are both finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their analyst recommendations, institutional ownership, earnings, valuation, profitability, risk and dividends.
Institutional & Insider Ownership
6.1% of 9F shares are held by institutional investors. Comparatively, 48.9% of 360 DigiTech shares are held by institutional investors. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.
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Risk and Volatility
9F has a beta of -0.53, meaning that its stock price is 153% less volatile than the S&P 500. Comparatively, 360 DigiTech has a beta of 0.48, meaning that its stock price is 52% less volatile than the S&P 500.
Analyst Ratings
This is a summary of current ratings and price targets for 9F and 360 DigiTech, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| 9F | 0 | 0 | 0 | 0 | N/A |
| 360 DigiTech | 0 | 0 | 3 | 0 | 3.00 |
360 DigiTech has a consensus target price of $29.70, indicating a potential upside of 115.65%. Given 360 DigiTech's higher probable upside, analysts plainly believe 360 DigiTech is more favorable than 9F.
Profitability
This table compares 9F and 360 DigiTech's net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| 9F | N/A | N/A | N/A |
| 360 DigiTech | 32.31% | 38.66% | 17.45% |
Valuation and Earnings
This table compares 9F and 360 DigiTech's gross revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| 9F | $119.49 million | 1.63 | -$36.86 million | N/A | N/A |
| 360 DigiTech | $2.61 billion | 0.80 | $907.28 million | $5.46 | 2.52 |
360 DigiTech has higher revenue and earnings than 9F.
Summary
360 DigiTech beats 9F on 9 of the 10 factors compared between the two stocks.
About 9F
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9F Inc., together with its subsidiaries, operates internet securities service platform in the People's Republic of China. Its products include digital financial accounts that offer online lending, wealth management, and payment facilitation services; revolving and non-revolving loan products to borrowers, as well as traffic referral services to o financial institution partners; and a suite of online wealth management products, such as fixed income products, stocks, insurance, bank wealth management products, and mutual funds to investors in various platforms, including Wukong Licai, 9F Wallet, and 9F Puhui. The company also provides payment facilitation and other products and services that help users to pay credit card bills and household bills comprising utility bills; and other value-added services consisting of credit history search, debt consolidation, and user referral services. In addition, it offers technology empowerment services to banking, automobile, securities investment, and insurance industries; and engages in E-commerce business, which offers various categories of merchandise, including 3C products, beauty and skin care products, rice, noodle and oils, household appliances, jewelry, and liquor and beverages. It provides its services to borrowers, investors, and financial institutions partners. The company was formerly known as JIUFU Financial Technology Service Limited and changed its name to 9F Inc. in June 2014. 9F Inc. was founded in 2006 and is headquartered in Beijing, the People's Republic of China.
About 360 DigiTech
(Get Rating)
360 DigiTech, Inc., through its subsidiaries, operates financial technology platform under the 360 Jietiao brand in the People's Republic of China. The company provides credit-driven services that matches borrowers with financial institution partners enabling financial institution partners to conduct customer acquisition, initial credit screening, advanced risk assessment, collection, and other post-facilitation services; and platform services, including loan facilitation and post-facilitation services to financial institution partners under intelligence credit engine, referral services, and risk management software-as-a-service. It also offers e-commerce loans, enterprise loans, and invoice loans to SME owners. The company serves consumers, and micro- and small-business owners. The company was formerly known as 360 Finance, Inc. and changed its name to 360 DigiTech, Inc. in September 2020. 360 DigiTech, Inc. was founded in 2016 and is headquartered in Shanghai, the People's Republic of China.
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