Financial Comparison: X Financial (NYSE:XYF) vs. Its Peers

X Financial (NYSE: XYF) is one of 37 public companies in the “Nondepository credit institutions” industry, but how does it weigh in compared to its competitors? We will compare X Financial to similar businesses based on the strength of its analyst recommendations, valuation, dividends, profitability, institutional ownership, earnings and risk.

Dividends

X Financial pays an annual dividend of $0.09 per share and has a dividend yield of 1.8%. X Financial pays out 10.6% of its earnings in the form of a dividend. As a group, “Nondepository credit institutions” companies pay a dividend yield of 2.2% and pay out 25.9% of their earnings in the form of a dividend.

Profitability

This table compares X Financial and its competitors’ 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
X Financial Competitors -74.64% -54.10% -6.14%

Insider & Institutional Ownership

1.3% of X Financial shares are held by institutional investors. Comparatively, 49.9% of shares of all “Nondepository credit institutions” companies are held by institutional investors. 17.6% of shares of all “Nondepository credit institutions” companies are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Earnings & Valuation

This table compares X Financial and its competitors revenue, earnings per share and valuation.

Gross Revenue Net Income Price/Earnings Ratio
X Financial $514.96 million $128.45 million 6.02
X Financial Competitors $37.01 billion $865.91 million 12.80

X Financial’s competitors have higher revenue and earnings than X Financial. X Financial is trading at a lower price-to-earnings ratio than its competitors, indicating that it is currently more affordable than other companies in its industry.

Analyst Ratings

This is a summary of recent ratings and recommmendations for X Financial and its competitors, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
X Financial 0 2 0 0 2.00
X Financial Competitors 239 916 1113 57 2.42

As a group, “Nondepository credit institutions” companies have a potential upside of 33.20%. Given X Financial’s competitors stronger consensus rating and higher probable upside, analysts plainly believe X Financial has less favorable growth aspects than its competitors.

Summary

X Financial competitors beat X Financial on 10 of the 14 factors compared.

X Financial Company Profile

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.

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