Reviewing 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 compare to its peers? We will compare X Financial to related companies based on the strength of its profitability, valuation, analyst recommendations, dividends, earnings, institutional ownership and risk.

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 -74.50% -53.84% -6.10%

Analyst Recommendations

This is a summary of recent ratings 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 238 912 1105 56 2.42

As a group, “Nondepository credit institutions” companies have a potential upside of 32.17%. Given X Financial’s peers stronger consensus rating and higher probable upside, analysts plainly believe X Financial has less favorable growth aspects than its peers.

Institutional & Insider Ownership

1.3% of X Financial shares are held by institutional investors. Comparatively, 49.8% of shares of all “Nondepository credit institutions” companies are held by institutional investors. 18.3% of shares of all “Nondepository credit institutions” companies are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Earnings and 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 $128.45 million 6.91
X Financial Competitors $37.01 billion $865.68 million 13.11

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.

Dividends

X Financial pays an annual dividend of $0.09 per share and has a dividend yield of 1.5%. 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 1.8% and pay out 21.0% of their earnings in the form of a dividend.

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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