Qfin vs BankUnited

Qfin and BankUnited are compared on this page to illuminate business models, financial performance, and market context. The aim is to present neutral, accessible information about each company's strategy, drivers, and competitive landscape. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

QFIN

Metric

BKU

$2.15B

Market Cap

$3.49B

124.80%

Potential Profit

-9.50%

Buy

Analyst Rating

Hold

Investment Analysis

Qfin

QFIN

Pros

Qfin operates a leading AI-driven credit-tech platform in China with 268 million registered users and 163 financial institution partners, reflecting strong market penetration.
The company achieved 15.8% year-over-year loan origination growth and maintains a robust 31% return on equity, demonstrating high profitability and efficiency.
Qfin was named 'Most Honored Company' in 2025 Extel Asia rankings, recognized for excellence in leadership, AI integration, transparency, and governance.

Considerations

Qfin's reliance on the Chinese credit market exposes it to regulatory changes and macroeconomic risks specific to China’s financial sector.
While the loan delinquency rate is relatively low at 2.02%, credit risk remains a concern given the scale and rapid growth of the loan book.
Despite strong recent growth, the company’s price-to-sales and price-to-book ratios suggest valuation pressures, with a need to sustain growth to justify multiples.

BankUnited

BKU

Pros

BankUnited has a strong dividend yield of 3.22%, offering steady income potential for investors.
The bank demonstrates resilience with modest stock performance improvement (+3.31%) over the last quarter and an 11.6% average analyst target price upside.
BankUnited’s moderate AI rating and a 55.14% probability to outperform the market reflect balanced market expectations and solid fundamentals.

Considerations

BankUnited’s AI rating indicates only a hold status, suggesting limited near-term growth prospects relative to peers.
Its financial performance is subject to interest rate and macroeconomic fluctuations impacting banking sector earnings and loan demand.
Relatively moderate recent stock price appreciation and analyst consensus imply potential valuation constraints and competitive pressure in US regional banking.

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.

BankUnited (BKU)

BankUnited, Inc. is the holding company for BankUnited, a US-based bank with a significant presence in key markets. It offers a comprehensive range of banking services to both commercial and consumer clients. Operations are centred in Florida, the New York metropolitan area, and Dallas, Texas, with a wholesale product office in Atlanta. The bank's core activities include commercial and real estate lending, residential mortgages, and consumer loans. On the deposit side, it provides traditional products like checking and savings accounts, money market accounts, and certificates of deposit. BankUnited also supports businesses with a suite of treasury, payments, and cash management services. This broad offering is delivered through its physical banking centres as well as national and online platforms, giving it a flexible approach to reaching customers. For potential investors, it's a company with a clear focus on major US regional economies.

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 BankUnited

Comparison Snapshot

Investment Analysis

Qfin

Pros

Considerations

BankUnited

Pros

Considerations

About The Companies

Which Baskets Do They Appear In?

Islamic Finance Leaders

Which Baskets Do They Appear In?

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Buy QFIN or BKU in Nemo

Zero Commission

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6% Interest on Cash

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Frequently asked questions

What does the 'pros and cons' section reveal about each company’s business positioning?

How should I interpret the quoted growth and profitability metrics for Qfin?

What does the AI rating tell us about BankUnited’s potential?

How should I compare profitability between Qfin and BankUnited?

What role do valuation indicators play in this comparison?

Why is regulatory and macroeconomic risk highlighted for Qfin?

What does the dividend yield imply about BankUnited’s appeal to investors?

How does the market context influence each stock’s outlook?

What does the growth profile tell us about risk and reward for each stock?

How should a beginner use this page to compare the two stocks?

Is there a recommended approach to interpreting the ‘outlook’ signals?

Educational disclaimer

Comparison Snapshot

About The Companies