Analyzing Gryphon Digital Mining (NASDAQ:GRYP) and X Financial (NYSE:XYF)

X Financial (NYSE:XYF) and Gryphon Digital Mining (NASDAQ:GRYP) are both small-cap finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their analyst recommendations, institutional ownership, valuation, earnings, risk, profitability and dividends.

Institutional and Insider Ownership

1.2% of X Financial shares are owned by institutional investors. Comparatively, 10.2% of Gryphon Digital Mining shares are owned by institutional investors. 31.6% of X Financial shares are owned by company insiders. Comparatively, 1.2% of Gryphon Digital Mining shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Volatility & Risk

X Financial has a beta of 0.24, suggesting that its stock price is 76% less volatile than the S&P 500. Comparatively, Gryphon Digital Mining has a beta of 2.8, suggesting that its stock price is 180% more volatile than the S&P 500.

Analyst Recommendations

This is a summary of current recommendations for X Financial and Gryphon Digital Mining, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
X Financial	0	0	0	0	N/A
Gryphon Digital Mining	0	0	0	0	N/A

Profitability

This table compares X Financial and Gryphon Digital Mining’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
X Financial	24.64%	22.42%	11.59%
Gryphon Digital Mining	-339.99%	N/A	-162.80%

Earnings & Valuation

This table compares X Financial and Gryphon Digital Mining’s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
X Financial	$678.16 million	0.27	$167.16 million	$3.38	1.12
Gryphon Digital Mining	$6.84 million	7.66	-$11.58 million	($142.00)	-0.01

X Financial has higher revenue and earnings than Gryphon Digital Mining. Gryphon Digital Mining 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 Gryphon Digital Mining on 8 of the 11 factors compared between the two stocks.

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. Its loan products include Xiaoying credit loan, which consists of Xiaoying card loan; and Xiaoying preferred loan to small business owners, as well as Xiaoying revolving loan. The company also offers Xiaoying housing loan, a home equity loan product for property owners; investment products through Xiaoying wealth management platform, such as loans, money market, and insurance products; and loan facilitation services to other platforms. The company was incorporated in 2014 and is headquartered in Shenzhen, the People's Republic of China.

About Gryphon Digital Mining

Gryphon Digital Mining, Inc. engages in carbon-neutral bitcoin mining. Gryphon Digital Mining, Inc. was formerly known as Ivy Crypto, Inc. The company was incorporated in 2020 and is based in Las Vegas, Nevada.