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

Valuation and Earnings

This table compares X Financial and its rivals gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Net Income Price/Earnings Ratio
X Financial $514.96 million $128.45 million 6.07
X Financial Competitors $37.01 billion $865.91 million 12.61

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

Insider & Institutional 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, endowments and hedge funds believe a company will outperform the market over the long term.

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 2.2% and pay out 25.9% of their earnings in the form of a dividend.

Analyst Ratings

This is a breakdown of recent recommendations for X Financial and its rivals, as reported 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 241 919 1115 57 2.42

As a group, “Nondepository credit institutions” companies have a potential upside of 29.29%. Given X Financial’s rivals stronger consensus rating and higher possible upside, analysts plainly believe X Financial has less favorable growth aspects than its rivals.

Profitability

This table compares X Financial and its rivals’ 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 -74.52% -54.12% -6.14%

Summary

X Financial rivals 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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