X Financial (NYSE:XYF) vs. Its Competitors Head-To-Head Contrast

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

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.

Earnings and Valuation

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

Gross Revenue Net Income Price/Earnings Ratio
X Financial $514.96 million $128.45 million 5.80
X Financial Competitors $37.01 billion $866.16 million 12.67

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

Profitability

This table compares X Financial and its peers’ 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 -72.10% -43.57% -1.00%

Institutional and Insider Ownership

1.3% of X Financial shares are owned by institutional investors. Comparatively, 49.9% of shares of all “Nondepository credit institutions” companies are owned by institutional investors. 16.5% of shares of all “Nondepository credit institutions” companies are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Analyst Ratings

This is a breakdown of current ratings and recommmendations for X Financial and its peers, 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 243 926 1118 58 2.42

As a group, “Nondepository credit institutions” companies have a potential upside of 30.06%. Given X Financial’s peers stronger consensus rating and higher possible upside, analysts plainly believe X Financial has less favorable growth aspects than its peers.

Summary

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

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.

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