Critical Survey: SAIHEAT (NASDAQ:SAIH) vs. Qifu Technology (NASDAQ:QFIN)

Qifu Technology (NASDAQ:QFIN) and SAIHEAT (NASDAQ:SAIH) are both business services companies, but which is the superior investment? We will contrast the two businesses based on the strength of their risk, analyst recommendations, earnings, dividends, valuation, profitability and institutional ownership.

Earnings and Valuation

This table compares Qifu Technology and SAIHEAT”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Qifu Technology	$14.04 billion	0.48	$603.58 million	$5.80	7.34
SAIHEAT	$5.54 million	2.28	-$6.12 million	N/A	N/A

Qifu Technology has higher revenue and earnings than SAIHEAT.

Institutional & Insider Ownership

74.8% of Qifu Technology shares are held by institutional investors. Comparatively, 0.2% of SAIHEAT shares are held by institutional investors. 17.1% of Qifu Technology shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Risk and Volatility

Qifu Technology has a beta of 0.53, meaning that its share price is 47% less volatile than the S&P 500. Comparatively, SAIHEAT has a beta of 1.94, meaning that its share price is 94% more volatile than the S&P 500.

Profitability

This table compares Qifu Technology and SAIHEAT’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Qifu Technology	31.82%	24.39%	11.68%
SAIHEAT	N/A	N/A	N/A

Analyst Recommendations

This is a breakdown of recent recommendations and price targets for Qifu Technology and SAIHEAT, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Qifu Technology	0	0	2	0	3.00
SAIHEAT	0	0	0	0	0.00

Qifu Technology currently has a consensus price target of $45.10, suggesting a potential upside of 5.97%. Given Qifu Technology’s stronger consensus rating and higher probable upside, equities research analysts clearly believe Qifu Technology is more favorable than SAIHEAT.

Summary

Qifu Technology beats SAIHEAT on 10 of the 12 factors compared between the two stocks.

About Qifu Technology

Qifu Technology, Inc., through its subsidiaries, operates credit-tech platform under the 360 Jietiao brand in the People's Republic of China. It provides credit-driven services that matches borrowers with financial institutions to conduct customer acquisition, initial and credit screening, advanced risk assessment, credit assessment, fund matching, and other post-facilitation services; and platform services, including loan facilitation and post-facilitation services to financial institution partners under intelligence credit engine, referral services, and risk management software-as-a-service. The company also offers e-commerce loans, enterprise loans, and invoice loans to SME owners. It serves financial institutions, consumers, and small- and micro-enterprises. The company was formerly known as 360 DigiTech, Inc. and changed its name to Qifu Technology, Inc. in March 2023. The company was founded in 2016 and is headquartered in Shanghai, the People's Republic of China.

About SAIHEAT

SAIHEAT Limited engages in the development of liquid-cooling data centers. It develops technologies for the advanced computing center ecosystem, a center that provides high-performance servers, liquid cooling, and systems for capturing and recycling computing heat. The company was formerly known as SAI.TECH Global Corporation and changed its name to SAIHEAT Limited in August 2024. SAIHEAT Limited was founded in 2019 and is headquartered in Singapore.