X Financial (NYSE: XYF) is one of 37 publicly-traded companies in the “Nondepository credit institutions” industry, but how does it contrast to its competitors? We will compare X Financial to similar businesses based on the strength of its analyst recommendations, valuation, risk, earnings, dividends, institutional ownership and profitability.
Insider & Institutional 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 hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.
This is a breakdown of current recommendations for X Financial and its competitors, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|X Financial Competitors||235||906||1101||55||2.42|
As a group, “Nondepository credit institutions” companies have a potential upside of 40.62%. Given X Financial’s competitors stronger consensus rating and higher possible upside, analysts clearly believe X Financial has less favorable growth aspects than its competitors.
Valuation and Earnings
This table compares X Financial and its competitors top-line revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Net Income||Price/Earnings Ratio|
|X Financial||$514.96 million||$128.45 million||7.09|
|X Financial Competitors||$37.01 billion||$867.33 million||13.15|
X Financial’s competitors have higher revenue and earnings than X Financial. X Financial is trading at a lower price-to-earnings ratio than its competitors, indicating that it is currently more affordable than other companies in its industry.
This table compares X Financial and its competitors’ net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|X Financial Competitors||-70.59%||-50.93%||-5.86%|
X Financial competitors 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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