QFIN(QFIN) ZACKS·2025-05-28 15:56Core Insights - Qifu Technology, Inc. (QFIN) and Byrna Technologies Inc. (BYRN) are lesser-known tech companies with significant growth potential in their respective sectors [1] - QFIN focuses on AI-driven consumer finance, while BYRN specializes in non-lethal self-defense technology [1] Qifu Technology (QFIN) - QFIN's AI + Finance strategy is transforming credit services, leading to a 15.8% year-over-year growth in loan origination and an 11.1% increase in registered users in Q1 2025 [2] - The company employs AI models to assess large datasets for identifying creditworthy individuals and SMEs, enhancing risk management and reducing defaults [3] - QFIN's AI-led marketing strategy has improved user profiling accuracy, resulting in a 33% increase in the conversion rate of new credit line users to new borrowers [4] - The company's sales estimate for fiscal 2025 is 6.94 per share, reflecting a 22.6% increase [9] Byrna Technologies (BYRN) - BYRN's patented "first-shot, pull-pierce" technology enhances product reliability, making it appealing for personal safety and law enforcement [5] - The company’s blunt impact projectile design is less lethal yet effective, broadening its market appeal [6] - Byrna is increasing production, with a 33% rise in launcher production in Q1 2025, reaching 24,000 units per month to meet market demand [7] - The sales estimate for BYRN in fiscal 2025 is $111.7 million, suggesting a 30.2% year-over-year growth, with earnings projected at 35 cents per share, indicating a 12.9% rise [8] Comparative Analysis - QFIN's forward earnings multiple is 61.74X, lower than its 12-month median of 92.59X, while BYRN's multiple is 5.83X, slightly below its median of 5.84X [10] - Both companies are rated with a Zacks Rank 2 (Buy), but BYRN is considered a more compelling investment due to its growth potential in the personal security market compared to the competitive fintech sector [13][14]