Both Qiwi plc (NASDAQ:QIWI) and 360 Finance Inc. (NASDAQ:QFIN) compete on a level playing field in the Credit Services industry. We will evaluate their performance with regards to risk, institutional ownership, analyst recommendations, profitability, dividends, earnings and valuation.

Valuation and Earnings

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Qiwi plc	N/A	0.00	N/A	0.78	17.79
360 Finance Inc.	N/A	0.00	N/A	-5.46	0.00

Table 1 showcases the top-line revenue, earnings per share and valuation of Qiwi plc and 360 Finance Inc.

Profitability

Table 2 demonstrates the return on equity, return on assets and net margins of Qiwi plc and 360 Finance Inc.

	Net Margins	Return on Equity	Return on Assets
Qiwi plc	0.00%	13.9%	6.5%
360 Finance Inc.	0.00%	0%	0%

Dividends

The annual dividend that Qiwi plc pay is $0.8 per share with a dividend yield of 5.54%. 360 Finance Inc. does not pay a dividend.

Analyst Ratings

The following table delivered below contains the ratings and recommendations for Qiwi plc and 360 Finance Inc.

	Sell Ratings	Hold Ratings	Buy Ratings	Rating Score
Qiwi plc	0	1	0	2.00
360 Finance Inc.	0	0	0	0.00

Qiwi plc’s consensus price target is $19, while its potential upside is 30.23%.

Insider & Institutional Ownership

Institutional investors held 82.6% of Qiwi plc shares and 1% of 360 Finance Inc. shares. 0.77% are Qiwi plc’s share held by insiders.

Performance

Here are the Weekly, Monthly, Quarterly, Half Yearly, Yearly and YTD Performance of both pretenders.

	Performance (W)	Performance (M)	Performance (Q)	Performance (HY)	Performance (Y)	Performance (YTD)
Qiwi plc	-2.12%	-13.38%	-7.35%	-1.63%	-14.86%	-1.98%
360 Finance Inc.	1.54%	35.12%	0%	0%	0%	10.66%

For the past year Qiwi plc had bearish trend while 360 Finance Inc. had bullish trend.

Summary

On 7 of the 8 factors Qiwi plc beats 360 Finance Inc.

Qiwi plc, together with its subsidiaries, operates electronic online payment systems primarily in the Russian Federation, Kazakhstan, Moldova, Belarus, Romania, the United Arab Emirates, and internationally. The company provides payment services across physical, online, and mobile channels through a network of approximately 113,000 kiosks and 49,000 terminals that run its proprietary software. It also provides Visa Qiwi Wallet and Qiwi Wallet, which are online and mobile payment processing, and money transfer systems that allow accountholders to pay for the products and services of merchants, as well as perform peer-to-peer money transfers through a virtual wallet in the online and mobile environment; and Visa-branded prepaid cards. In addition, the company offers payment-by installments card systems under the SOVEST brand name; and value added products and services. Qiwi plc was incorporated in 2007 and is based in Nicosia, Cyprus.