Credit Saison (OTCMKTS:CSASF – Get Free Report) and X Financial (NYSE:XYF – Get Free Report) are both finance companies, but which is the better stock? We will compare the two businesses based on the strength of their dividends, analyst recommendations, valuation, earnings, risk, institutional ownership and profitability.
Institutional and Insider Ownership
26.3% of Credit Saison shares are owned by institutional investors. Comparatively, 1.1% of X Financial shares are owned by institutional investors. 31.6% of X Financial shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.
Analyst Recommendations
This is a breakdown of recent ratings and recommmendations for Credit Saison and X Financial, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Credit Saison | 0 | 0 | 0 | 0 | 0.00 |
| X Financial | 0 | 1 | 0 | 0 | 2.00 |
Profitability
| Net Margins | Return on Equity | Return on Assets | |
| Credit Saison | N/A | N/A | N/A |
| X Financial | 15.06% | 14.38% | 7.93% |
Dividends
Credit Saison pays an annual dividend of C$23.91 per share and has a dividend yield of 101.3%. X Financial pays an annual dividend of $0.54 per share and has a dividend yield of 9.7%. Credit Saison pays out 16.6% of its earnings in the form of a dividend. X Financial pays out 15.7% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.
Valuation & Earnings
This table compares Credit Saison and X Financial”s gross revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Credit Saison | N/A | N/A | N/A | C$144.02 | 0.16 |
| X Financial | $1.09 billion | 0.20 | $209.43 million | $3.45 | 1.61 |
X Financial has higher revenue and earnings than Credit Saison. Credit Saison is trading at a lower price-to-earnings ratio than X Financial, indicating that it is currently the more affordable of the two stocks.
Summary
X Financial beats Credit Saison on 8 of the 11 factors compared between the two stocks.
About Credit Saison
Credit Saison Co., Ltd. provides leasing, finance, real estate, entertainment, and payment services in Japan and internationally. The company offers credit cards, prepaid and debit cards, smartphone-based services, and information processing services; internet advertisement agency; marketing consulting; temporary staffing; and contracting services. It also engages in the credit guarantee and finance related businesses; real estate business; real estate leasing activities; and digital marketing and asset management services, as well as develops and manages amusement. Further, it involved in the import and sell of lifestyle goods; cleaning, security, and property maintenance services; debt collection; personal loan; life/non-life insurance agency; online ticket system and payment services; digital lending; and sells information security and office disaster prevention related services, etc. The company was formerly known as Seibu Credit Co., Ltd. and changed its name to Credit Saison Co., Ltd. in October 1989. Credit Saison Co., Ltd. was incorporated in 1951 and is headquartered in Tokyo, Japan.
About X Financial
X Financial provides personal finance services in the People’s Republic of China. The company offers services as an online marketplace connecting borrowers and investors or institutional funding partners. Its loan products include Xiaoying credit loan, which consists of Xiaoying card loan; and Xiaoying preferred loan to small business owners. The company also offers Xiaoying housing loan, a home equity loan product for property owners; investment products through Xiaoying wealth management platform, such as funds, money market, and insurance products; and loan facilitation services to other platforms. In addition, it engages in the technology development, service, and sale of products; and provision of guarantee and consulting services. The company was incorporated in 2014 and is headquartered in Shenzhen, the People’s Republic of China.
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