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

Valuation & 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 6.80
X Financial Competitors $37.01 billion $867.33 million 13.09

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.

Analyst Ratings

This is a summary of current 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 235 908 1102 55 2.42

As a group, “Nondepository credit institutions” companies have a potential upside of 38.85%. Given X Financial’s rivals stronger consensus rating and higher probable upside, analysts clearly 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 -70.61% -51.01% -5.84%

Insider & Institutional Ownership

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

Summary

X Financial rivals beat X Financial on 9 of the 12 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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