Contrasting X Financial (XYF) and The Competition

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

Analyst Recommendations

This is a breakdown of current recommendations and price targets for X Financial and its competitors, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
X Financial 0 2 0 0 2.00
X Financial Competitors 246 929 1123 58 2.42

As a group, “Nondepository credit institutions” companies have a potential upside of 26.78%. Given X Financial’s competitors stronger consensus rating and higher probable upside, analysts clearly believe X Financial has less favorable growth aspects than its competitors.

Valuation and Earnings

This table compares X Financial and its competitors top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Net Income Price/Earnings Ratio
X Financial $514.96 million $128.44 million 6.09
X Financial Competitors $37.01 billion $866.31 million 13.14

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.

Dividends

X Financial pays an annual dividend of $0.09 per share and has a dividend yield of 1.7%. 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 2.1% and pay out 29.5% 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 -72.03% -35.05% -0.98%

Institutional & Insider Ownership

1.3% of X Financial shares are held by institutional investors. Comparatively, 49.7% of shares of all “Nondepository credit institutions” companies are held by institutional investors. 16.8% of shares of all “Nondepository credit institutions” companies are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Summary

X Financial competitors 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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