Qfin vs Cathay General Bancorp

Qfin (Qifu Technology Inc) and Cathay General Bancorp are compared on this page to illuminate how their business models, financial performance, and market context differ and relate. The aim is to present neutral, accessible information that helps readers understand each company’s approach and position within the financial services sector. Educational content, not financial advice.

About The Companies

Qfin (QFIN)

Qifu Technology Inc (QFIN) is a China-based fintech specialising in credit decisioning, risk-management software and data-driven services for lenders and consumer finance platforms. The company offers cloud and SaaS tools that help financial institutions underwrite loans, monitor credit quality and automate collection processes. Revenue typically comes from subscriptions, service fees and data-analytics contracts. Key things for investors to know: Qifu operates in a competitive, fast-evolving sector influenced by credit cycles, regulatory shifts in China and data-privacy rules. Growth can be driven by increased digital lending and demand for advanced risk tools, but margins and volumes may vary with macroeconomic conditions and borrower creditworthiness. At a market capitalisation of about $3.43bn, the stock can be volatile and reflects both execution risk and regulatory exposure. This summary is educational only and not personal investment advice; consider your risk tolerance, diversify holdings and consult a regulated financial adviser before investing.

Cathay General Bancorp (CATY)

Cathay General Bancorp (CATY) is a US regional banking group with a market capitalisation of about $3.22 billion. It primarily provides commercial banking services, deposit-taking and credit to small and medium-sized businesses, property-related borrowers and local communities. Investors should know its earnings generally depend on net interest margin, loan growth and credit quality, and can be sensitive to economic cycles and interest-rate moves. The company’s size and regional focus can offer opportunities for steady deposit funding and relationship banking, but can also concentrate exposure to local market conditions. This summary is educational only and not personalised investment advice; values can rise and fall and past performance is no guarantee of future returns. Prospective investors should review regulatory filings, capital and asset-quality metrics, and consider whether a regional bank suits their risk tolerance and portfolio objectives.

Comparison Snapshot

Key Financial Metrics

QFIN

Metric

CATY

$2.58B

Market Cap

$3.40B

84.35%

Potential Profit

2.36%

Buy

Analyst Rating

Hold

Which Baskets Do They Appear In?

Islamic Finance Leaders

This carefully selected group of stocks represents companies at the forefront of Sharia-compliant finance. Our professional analysts have identified these opportunities based on their adherence to Islamic principles while meeting strong financial criteria.

Published: June 18, 2025

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Which Baskets Do They Appear In?

Islamic Finance Leaders

Published: June 18, 2025

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Investment Analysis

Qfin

QFIN

Pros

Qfin operates a leading AI-driven credit-tech platform in China, with 268 million registered users and a 15.8% year-over-year growth in loan facilitation volume.
The company’s capital-light model now accounts for nearly half of total loan facilitation, reducing balance sheet risk and enhancing capital efficiency.
Qfin has been recognised for excellence in corporate governance and transparency, including recent awards for management and investor relations.

Considerations

QFIN’s share price has underperformed both the US consumer finance sector and broader market over the past year, declining more than 30%.
The company faces heightened regulatory and geopolitical risks as a China-based fintech serving consumers and SMEs in a tightly controlled financial sector.
Despite recent growth, Qfin’s price-to-book and price-to-sales ratios remain elevated relative to sector averages, raising potential valuation concerns.

Cathay General Bancorp

CATY

Pros

Cathay General Bancorp benefits from a diversified loan portfolio, including commercial real estate, SBA, and consumer loans across multiple US regions.
The company offers an attractive forward dividend yield near 2.8%, supported by a stable earnings profile and consistent capital returns to shareholders.
Cathay maintains a solid balance sheet with over $24 billion in assets and operates in a mature, well-regulated US banking environment.

Considerations

Net interest margins may come under pressure in a higher-for-longer rate environment, especially if deposit costs rise faster than loan yields.
Exposure to commercial real estate, particularly in California and New York, could lead to elevated credit risk if economic conditions soften.
Growth prospects appear modest compared to fintech peers, with limited recent expansion in customer base or digital innovation.

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About The Companies

Comparison Snapshot

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Investment Analysis

Qfin

Pros

Considerations

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Pros

Considerations

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Frequently asked questions

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Qfin

Pros

Considerations

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Pros

Considerations

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Frequently asked questions

What is the core idea behind comparing two different stock companies in this page?

How should I interpret ‘pros’ and ‘cons’ when comparing stocks here?

What does ‘valuation’ mean in the context of these stocks’ pros and cons?

How important is growth in loan facilitation for Qfin compared to loan diversification for Cathay General Bancorp?

What role does a dividend yield play when evaluating Cathay General Bancorp here?

How do regulatory and geopolitical considerations affect the two stocks differently?

What does the term ‘capital efficiency’ mean in Qfin’s context?

Why might financing mix and balance sheet strength matter for investors evaluating both stocks?

How should a newcomer use this page to compare the two stocks without professional advice?

What is the purpose of the educational disclaimer at the end of the page?

About The Companies

Comparison Snapshot