Comparing X Financial (NYSE:XYF) and Its Peers

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

Earnings & Valuation

This table compares X Financial and its peers top-line revenue, earnings per share 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 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.

Analyst Ratings

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

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 peers stronger consensus rating and higher possible upside, analysts clearly believe X Financial has less favorable growth aspects than its peers.

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 -72.03% -35.05% -0.98%

Institutional and Insider Ownership

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

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.

Summary

X Financial peers 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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