Qfin vs Fulton Financial

This page compares Qfin and Fulton Financial, detailing how their business models, financial performance, and market contexts differ. It presents neutral, accessible descriptions of strategy, revenue drivers, risks, and competitive dynamics to support understanding. 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.

Fulton Financial (FULT)

Fulton Financial Corporation (FULT) is a US regional bank holding company offering commercial banking, consumer deposits, mortgage lending and wealth-management services across a multi-state footprint in the Mid‑Atlantic and Northeastern United States. With a market capitalisation near $3.23 billion, Fulton earns revenue from net interest income and fees; its results are influenced by loan growth, deposit trends and net interest margin. Key considerations for investors include sensitivity to interest-rate moves, the quality of the loan portfolio and exposure to regional economic cycles. Competition from larger banks and fintechs, along with regulatory requirements, can affect growth and costs. Fulton has historically pursued a mix of organic growth and targeted acquisitions to expand its footprint. This summary is educational only — not personalised advice — and investors should review the company’s financial statements, dividend policy and risk disclosures before deciding if the stock suits their objectives and risk tolerance.

Comparison Snapshot

Key Financial Metrics

QFIN

Metric

FULT

$2.53B

Market Cap

$3.60B

84.28%

Potential Profit

3.96%

Buy

Analyst Rating

Buy

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 163 financial institution partners and 268 million registered users, showing strong market penetration.
The company reported a 15.8% year-over-year increase in loan facilitation volume, reaching RMB 88.88 billion, underpinned by its advanced AI + Finance strategy and intelligent core credit operations.
Qfin maintains solid credit risk management with a low 90+ days delinquency rate of 2.02% and high customer retention with 95.1% repeat borrower contribution.

Considerations

Qfin's stock has underperformed the US Consumer Finance industry and broader market over the past year, indicating potential investor concern or market volatility.
The company shows relatively high price volatility with an average weekly movement of 8.3%, exceeding the industry and market averages, which may increase investment risk.
Qfin's financial metrics reveal a low P/E ratio and PEG ratio suggesting potential undervaluation risks or market skepticism about growth sustainability.

Fulton Financial

FULT

Pros

Fulton Financial benefits from a strong regional banking franchise with diverse commercial and retail banking services focused on stable community markets.
The company reports consistent profitability with stable net interest margins and disciplined credit risk management, supporting reliable earnings generation.
Fulton Financial has maintained a solid capital position with regulatory capital ratios exceeding minimum requirements, fortifying its financial resilience.

Considerations

Fulton's earnings growth is modest compared to fintech competitors, posing challenges navigating technological disruption in traditional banking.
The bank is exposed to interest rate risk and economic cycles affecting loan demand and credit losses in its regional markets.
Fulton faces competitive pressures from larger national banks and digital entrants, potentially limiting its market share expansion and margins.

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Pros

Considerations

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Pros

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Qfin

Pros

Considerations

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Pros

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Frequently asked questions

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About The Companies

Comparison Snapshot