Qfin vs First BanCorp

Qfin vs First BanCorp: this page compares business models, financial performance, and market context to help readers understand each company's position. The content remains neutral and accessible, outlining how both firms operate within their sectors, the revenue streams they pursue, and the external factors shaping their environments. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

QFIN

Metric

FBP

$2.15B

Market Cap

$3.32B

124.80%

Potential Profit

9.45%

Buy

Analyst Rating

Buy

Investment Analysis

Qfin

QFIN

Pros

Qfin Holdings operates a leading AI-driven credit-tech platform in China, providing scalable and efficient loan facilitation services to consumers and SMEs.
The company maintains strong profitability with a net profit margin above 38% and a robust balance sheet, supported by a low debt-to-equity ratio.
Qfin has demonstrated consistent earnings growth and shareholder returns, recently raising its semi-annual dividend and approving share repurchases.

Considerations

Qfin's business is highly exposed to regulatory changes and macroeconomic conditions in China, which could impact credit demand and platform operations.
The company's growth prospects are limited by market saturation in China's consumer finance sector and increasing competition from other fintech platforms.
Qfin's valuation, while still below sector averages, has risen sharply, reducing its margin of safety for new investors.

First BanCorp

FBP

Pros

First BanCorp maintains a strong regional presence in Puerto Rico and the US Virgin Islands, benefiting from stable deposit growth and local market expertise.
The bank has improved asset quality and profitability in recent years, with a focus on cost discipline and efficient operations.
First BanCorp offers a relatively high dividend yield, supported by a solid capital position and consistent earnings.

Considerations

The bank's exposure to Puerto Rico's economy creates vulnerability to local economic downturns, natural disasters, and government fiscal challenges.
First BanCorp faces regulatory scrutiny and potential capital requirements due to its regional concentration and past performance issues.
Loan growth and net interest margin expansion are constrained by competitive pressures and a challenging interest rate environment in its markets.

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.

First BanCorp (FBP)

First BanCorp is a financial holding company operating primarily through its main subsidiary, FirstBank Puerto Rico. It serves a diverse clientele, including small to mid-sized businesses and individual consumers. The company's operations are organised into several segments: Commercial and Corporate Banking, Consumer (Retail) Banking, and Mortgage Banking. It also manages Treasury and Investments. Geographically, First BanCorp has a significant presence not only in Puerto Rico but also through its United States Operations on the mainland and its Virgin Islands Operations, which cover both the U.S. and British Virgin Islands. This structure allows it to offer a comprehensive range of financial services across key Caribbean and U.S. markets. As with any investment, the value can go down as well as up, and returns are not guaranteed. This information is for educational purposes and not financial advice.

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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Qfin vs First BanCorp

Comparison Snapshot

Investment Analysis

Qfin

Pros

Considerations

First BanCorp

Pros

Considerations

About The Companies

Which Baskets Do They Appear In?

Islamic Finance Leaders

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Frequently asked questions

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Comparison Snapshot

About The Companies