Analyzing Hexindai (NASDAQ:HX) & X Financial (XYF)

X Financial (NYSE:XYF) and Hexindai (NASDAQ:HX) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their valuation, institutional ownership, dividends, risk, earnings, analyst recommendations and profitability.

Insider & Institutional Ownership

1.3% of X Financial shares are owned by institutional investors. Comparatively, 4.1% of Hexindai shares are owned by institutional investors. 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.

Valuation & Earnings

This table compares X Financial and Hexindai’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
X Financial $514.96 million 1.52 $128.45 million $0.85 6.08
Hexindai $107.26 million 1.55 $65.48 million N/A N/A

X Financial has higher revenue and earnings than Hexindai.

Analyst Ratings

This is a summary of recent ratings for X Financial and Hexindai, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
X Financial 0 2 0 0 2.00
Hexindai 0 0 0 0 N/A

Profitability

This table compares X Financial and Hexindai’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
X Financial N/A N/A N/A
Hexindai 23.27% 14.26% 12.30%

Dividends

X Financial pays an annual dividend of $0.09 per share and has a dividend yield of 1.7%. Hexindai pays an annual dividend of $0.25 per share and has a dividend yield of 7.6%. X Financial pays out 10.6% of its earnings in the form of a dividend.

Summary

Hexindai beats X Financial on 8 of the 10 factors compared between the two stocks.

About X Financial

X Financial provides personal finance services in the People's Republic of China. The company offers a suite of products connecting borrowers and investors through a proprietary Internet platform. It provides loan products, which include Xiaoying card loan and Xiaoying preferred loan; and investment opportunities through wealth management platform, Xiaoying wealth management with insurance protection. X Financial was founded in 2014 and is headquartered in Shenzhen, the People's Republic of China.

About Hexindai

Hexindai Inc. operates a consumer lending marketplace that facilitates loans in China. It primarily focuses on facilitating medium-sized credit loans. The company provides borrowers a range of products based on customer segmentation data and tailored to the specific needs of the emerging middle class; and investors various types of investment products. The company was founded in 2013 and is headquartered in Beijing, China.

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