QFIN vs SPB

Comparison between 360 DigiTech Inc (QFIN, Company) and Spectrum Brands Holdings Inc (SPB, Company).

QFIN is from the Financial Services sector, while SPB is from the Consumer Defensive sector.

5-Year PerformanceSPB has outperformed QFIN, delivering a return of +2.7% compared to -9.8%

QFIN vs SPB - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	QFIN(COMPANY)	SPB(COMPANY)
Market Cap	$2B	$2B
Max Drawdown	78.00%	83.21%
Sharpe Ratio	-1.49	1.33
5Y Beta	0.95	0.86
Industry	Credit Services	Household & Personal Products
P/E Ratio	2.34	28.72
Forward P/E	3.27	15.53
PEG Ratio	0.14	1.36
Dividend Yield	9.41%	2.18%
5Y Dividends CAGR	N/A	6.19%
5Y EPS CAGR	14.78%	-33.44%
Debt to Equity	0.00%	30.93%
Free Cash Flow Yield	79.40%	14.50%
P/S Ratio	0.11	0.70
P/B Ratio	0.56	1.04

Market Cap

QFIN

$2B

Winner

SPB

$2B

Max Drawdown

Winner

QFIN

78.00%

SPB

83.21%

Sharpe Ratio

QFIN

-1.49

Winner

SPB

1.33

5Y Beta

QFIN

0.95

Winner

SPB

0.86

Industry

QFIN

Credit Services

SPB

Household & Personal Products

P/E Ratio

Winner

QFIN

2.34

SPB

28.72

Forward P/E

Winner

QFIN

3.27

SPB

15.53

PEG Ratio

Winner

QFIN

0.14

SPB

1.36

Dividend Yield

Winner

QFIN

9.41%

SPB

2.18%

5Y Dividends CAGR

QFIN

N/A

SPB

6.19%

5Y EPS CAGR

Winner

QFIN

14.78%

SPB

-33.44%

Debt to Equity

Winner

QFIN

0.00%

SPB

30.93%

Free Cash Flow Yield

Winner

QFIN

79.40%

SPB

14.50%

P/S Ratio

Winner

QFIN

0.11

SPB

0.70

P/B Ratio

Winner

QFIN

0.56

SPB

1.04

QFIN vs SPB - Historical Returns

Returns include dividend reinvestment.

Period	QFIN	SPB
1 month	-6.64%	+6.42%
3 months	+26.01%	+15.98%
6 months	-14.07%	+43.27%
1 year	-60.67%	+54.96%
5 years(CAGR)	-9.84%	+2.73%
10 years(CAGR)	N/A	-0.77%
Max(CAGR)	+3.43%	+10.76%

QFIN

-6.64%

Winner

SPB

+6.42%

Winner

QFIN

+26.01%

SPB

+15.98%

QFIN

-14.07%

Winner

SPB

+43.27%

QFIN

-60.67%

Winner

SPB

+54.96%

5Y(CAGR)

QFIN

-9.84%

Winner

SPB

+2.73%

10Y(CAGR)

QFIN

N/A

SPB

-0.77%

Max(CAGR)

QFIN

+3.43%

Winner

SPB

+10.76%

QFIN vs SPB - Annual Returns (2009 - 2026)

Returns include dividend reinvestment.

Year	QFIN	SPB
2026	-14.07%	+43.27%
2025	-47.93%	-27.07%
2024	+174.88%	+7.38%
2023	-18.54%	+31.86%
2022	-4.77%	-38.18%
2021	+93.49%	+32.74%
2020	+15.59%	+28.02%
2019	-33.90%	+52.47%
2018	-6.02%	-60.44%
2017	N/A	-5.70%
2016	N/A	+20.54%
2015	N/A	+9.65%
2014	N/A	+37.55%
2013	N/A	+53.97%
2012	N/A	+64.02%
2011	N/A	-10.92%
2010	N/A	+41.68%
2009	N/A	+7.14%

QFIN vs SPB Drawdown Comparison

The maximum drawdown for QFIN was -76.71%, occurring on Oct 25, 2022. Recovery took 867 trading sessions.

The maximum drawdown for SPB was -81.98%, occurring on Mar 18, 2020. This drawdown has not yet recovered.

The current QFIN drawdown is -64.44%. The current SPB drawdown is -26.00%.

Rank	QFIN	SPB
#1	-76.71% Jun 17, 2021 - Nov 26, 2024	-81.98% Apr 25, 2017 - Mar 18, 2020
#2	-73.20% Mar 27, 2025 - May 22, 2026	-42.50% Jan 21, 2011 - Jul 27, 2012
#3	-72.99% Apr 18, 2019 - Feb 10, 2021	-23.75% Apr 8, 2010 - Dec 13, 2010
#4	-39.09% Dec 14, 2018 - Feb 25, 2019	-22.73% Feb 3, 2010 - Apr 8, 2010
#5	-34.99% Mar 18, 2021 - Jun 1, 2021	-16.66% Sep 30, 2016 - Feb 23, 2017
#6	-32.25% Feb 16, 2021 - Mar 11, 2021	-15.23% Jul 31, 2015 - Mar 16, 2016
#7	-26.69% Mar 5, 2019 - Apr 16, 2019	-12.50% Sep 3, 2009 - Jan 7, 2010
#8	-15.17% Feb 18, 2025 - Mar 17, 2025	-10.69% Jan 14, 2015 - May 26, 2015
#9	-9.30% Dec 17, 2024 - Jan 24, 2025	-9.88% Apr 2, 2014 - Jun 9, 2014
#10	-8.77% Apr 16, 2019 - Apr 18, 2019	-9.81% Oct 16, 2012 - Nov 30, 2012
#11	-7.72% Jun 2, 2021 - Jun 4, 2021	-9.62% Apr 23, 2013 - May 15, 2013
#12	-7.43% Mar 12, 2021 - Mar 16, 2021	-9.57% Jun 7, 2013 - Aug 8, 2013
#13	-7.20% Mar 19, 2025 - Mar 27, 2025	-9.55% Nov 30, 2012 - Jan 7, 2013
#14	-5.62% Nov 29, 2024 - Dec 9, 2024	-8.76% Jun 23, 2016 - Jul 28, 2016
#15	-5.43% Jan 30, 2025 - Feb 6, 2025	-7.57% Sep 30, 2014 - Oct 31, 2014

Correlation

Correlation between QFIN and SPB is 0.37 which considered as a weak positive correlation - the stocks show a slight tendency to move together.

0.37

-101

Dividend Comparison (2012 - 2026)

QFIN vs SPB dividend yield comparison.

Year	QFIN	SPB
2026	5.05%	1.11%
2025	7.58%	3.18%
2024	4.56%	2.05%
2023	7.27%	2.11%
2022	4.03%	3.45%
2021	1.22%	1.65%
2020	0.00%	2.20%
2019	0.00%	2.61%
2018	0.00%	4.12%
2017	0.00%	1.49%
2016	0.00%	1.24%
2015	0.00%	1.30%
2014	0.00%	1.25%
2013	0.00%	1.42%
2012	0.00%	2.23%