First Capital (FCAP) Competitors

First Capital (NASDAQ:FCAP) and X Financial (NYSE:XYF) are both small-cap finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their dividends, community ranking, institutional ownership, media sentiment, valuation, risk, earnings, analyst recommendations and profitability.

Does the MarketBeat Community favor FCAP or XYF?

First Capital received 14 more outperform votes than X Financial when rated by MarketBeat users. However, 58.11% of users gave X Financial an outperform vote while only 39.94% of users gave First Capital an outperform vote.

Company	Underperform	Outperform
First Capital	Outperform Votes 143 39.94%	Underperform Votes 215 60.06%
X Financial	Outperform Votes 129 58.11%	Underperform Votes 93 41.89%

Is FCAP or XYF a better dividend stock?

First Capital pays an annual dividend of $1.16 per share and has a dividend yield of 2.4%. X Financial pays an annual dividend of $0.32 per share and has a dividend yield of 2.4%. First Capital pays out 31.7% of its earnings in the form of a dividend. X Financial pays out 7.4% 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.

Do insiders & institutionals hold more shares of FCAP or XYF?

11.6% of First Capital shares are owned by institutional investors. Comparatively, 1.1% of X Financial shares are owned by institutional investors. 4.0% of First Capital shares are owned by company insiders. Comparatively, 31.6% of X Financial shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Is FCAP or XYF more profitable?

X Financial has a net margin of 25.03% compared to First Capital's net margin of 20.54%. X Financial's return on equity of 20.66% beat First Capital's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
First Capital	20.54%	10.84%	1.02%
X Financial	25.03%	20.66%	11.17%

Which has preferable earnings & valuation, FCAP or XYF?

X Financial has higher revenue and earnings than First Capital. X Financial is trading at a lower price-to-earnings ratio than First Capital, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First Capital	$43.45M	3.71	$11.94M	$3.66	13.13
X Financial	$2.56B	0.26	$167.16M	$4.35	3.07

Which has more risk and volatility, FCAP or XYF?

First Capital has a beta of 0.53, suggesting that its share price is 47% less volatile than the S&P 500. Comparatively, X Financial has a beta of -0.1, suggesting that its share price is 110% less volatile than the S&P 500.

Does the media refer more to FCAP or XYF?

In the previous week, First Capital had 11 more articles in the media than X Financial. MarketBeat recorded 12 mentions for First Capital and 1 mentions for X Financial. First Capital's average media sentiment score of 0.74 beat X Financial's score of 0.00 indicating that First Capital is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
First Capital	2 Very Positive mention(s)	1 Positive mention(s)	6 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
X Financial	0 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

Summary

X Financial beats First Capital on 9 of the 17 factors compared between the two stocks.