COMP <GO>
QFIN vs BAC // PIOTROSKI F-SCORE QUALITY
Qfin Holdings Inc. (NASDAQ) VS. Bank of America Corporation (NYSE) • 15-METRIC TALLY: QFIN 3
— BAC 3
▲ PIOTROSKI F-SCORE QUALITY LEADER: BAC
LAST: $5.27 (-4.01%) • MKT CAP: $641.6M
piotroski-score
5/9
LAST: $51.14 (+0.57%) • MKT CAP: $357.61B
piotroski-score
7/9
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (QFIN VS. BAC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | QFIN | BAC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 27.20% | 2.50% | +24.70 | QFIN | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 30.2x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | — | 2.10% | — | TIE | /fcf-yield <GO> |
| Operating Margin | 34.80% | 32.90% | +1.90 | QFIN | /operating-margins <GO> |
| Net Profit Margin | — | 27.00% | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | 16.80% | 6.80% | +10.00 | QFIN | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality ACTIVE | 5/9 | 7/9 | -2.00 | BAC | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 24.7 | 38.3 | -13.62 | BAC | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 0.90 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | — | 10.9x | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $641.6M | $357.61B | -$356.97B | BAC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | QFIN REV | BAC REV | QFIN GROSS % | BAC GROSS % | QFIN FCF | BAC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $2.75B | $113.10B | — | — | $1.58B | $7.52B |
| FY 2024 | $2.35B | $105.86B | — | — | $1.28B | -$13.57B |
| FY 2023 | $2.29B | $102.77B | — | — | $1.00B | $40.36B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
QFIN // BETA —
BAC // BETA 0.90