XYF vs. MFIN, CPSS, SNFCA, HIVE, OPRT, CNF, BTM, BCG, LX, and ARBK
Should you be buying X Financial stock or one of its competitors? The main competitors of X Financial include Medallion Financial (MFIN), Consumer Portfolio Services (CPSS), Security National Financial (SNFCA), HIVE Digital Technologies (HIVE), Oportun Financial (OPRT), CNFinance (CNF), Bitcoin Depot (BTM), Binah Capital Group (BCG), LexinFintech (LX), and Argo Blockchain (ARBK). These companies are all part of the "nondepository credit institutions" industry.
X Financial (NYSE:XYF) and Medallion Financial (NASDAQ:MFIN) are both small-cap finance companies, but which is the better investment? We will contrast the two companies based on the strength of their dividends, valuation, profitability, institutional ownership, risk, community ranking, analyst recommendations, earnings and media sentiment.
X Financial has a net margin of 24.64% compared to Medallion Financial's net margin of 17.96%. X Financial's return on equity of 22.42% beat Medallion Financial's return on equity.
Medallion Financial received 127 more outperform votes than X Financial when rated by MarketBeat users. Likewise, 60.66% of users gave Medallion Financial an outperform vote while only 58.11% of users gave X Financial an outperform vote.
X Financial has a beta of 0.25, suggesting that its share price is 75% less volatile than the S&P 500. Comparatively, Medallion Financial has a beta of 2.08, suggesting that its share price is 108% more volatile than the S&P 500.
X Financial pays an annual dividend of $0.32 per share and has a dividend yield of 8.2%. Medallion Financial pays an annual dividend of $0.40 per share and has a dividend yield of 4.9%. X Financial pays out 9.5% of its earnings in the form of a dividend. Medallion Financial pays out 18.9% 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. X Financial is clearly the better dividend stock, given its higher yield and lower payout ratio.
Medallion Financial has a consensus target price of $12.00, indicating a potential upside of 49.44%. Given Medallion Financial's higher possible upside, analysts plainly believe Medallion Financial is more favorable than X Financial.
X Financial has higher revenue and earnings than Medallion Financial. X Financial is trading at a lower price-to-earnings ratio than Medallion Financial, indicating that it is currently the more affordable of the two stocks.
1.2% of X Financial shares are held by institutional investors. Comparatively, 40.6% of Medallion Financial shares are held by institutional investors. 31.6% of X Financial shares are held by insiders. Comparatively, 22.4% of Medallion Financial shares 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.
In the previous week, X Financial had 2 more articles in the media than Medallion Financial. MarketBeat recorded 6 mentions for X Financial and 4 mentions for Medallion Financial. Medallion Financial's average media sentiment score of 1.16 beat X Financial's score of 0.18 indicating that Medallion Financial is being referred to more favorably in the news media.
Summary
X Financial beats Medallion Financial on 10 of the 19 factors compared between the two stocks.
Get X Financial News Delivered to You Automatically
Sign up to receive the latest news and ratings for XYF and its competitors with MarketBeat's FREE daily newsletter.
This chart shows the number of new MarketBeat users adding XYF and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
This chart shows the average media sentiment of NYSE and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
X Financial Competitors List
Related Companies and Tools
