X Financial (XYF) Competitors

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

Which has higher valuation and earnings, XYF or FHB?

First Hawaiian has lower revenue, but higher earnings than X Financial. X Financial is trading at a lower price-to-earnings ratio than First Hawaiian, 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
X Financial	$2.76B	0.29	$167.16M	$4.80	3.94
First Hawaiian	$780.50M	3.87	$230.13M	$1.84	13.07

Is XYF or FHB a better dividend stock?

X Financial pays an annual dividend of $0.16 per share and has a dividend yield of 0.8%. First Hawaiian pays an annual dividend of $1.04 per share and has a dividend yield of 4.3%. X Financial pays out 3.3% of its earnings in the form of a dividend. First Hawaiian pays out 56.5% 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.

Is XYF or FHB more profitable?

X Financial has a net margin of 25.03% compared to First Hawaiian's net margin of 19.74%. X Financial's return on equity of 20.66% beat First Hawaiian's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
X Financial	25.03%	20.66%	11.17%
First Hawaiian	19.74%	8.91%	0.96%

Do insiders & institutionals believe in XYF or FHB?

1.1% of X Financial shares are held by institutional investors. Comparatively, 97.6% of First Hawaiian shares are held by institutional investors. 31.6% of X Financial shares are held by insiders. Comparatively, 0.6% of First Hawaiian shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Do analysts rate XYF or FHB?

First Hawaiian has a consensus price target of $27.29, suggesting a potential upside of 13.48%. Given First Hawaiian's stronger consensus rating and higher possible upside, analysts plainly believe First Hawaiian is more favorable than X Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
X Financial	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00
First Hawaiian	3 Sell rating(s)	4 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	1.57

Which has more risk and volatility, XYF or FHB?

X Financial has a beta of 0.24, meaning that its share price is 76% less volatile than the S&P 500. Comparatively, First Hawaiian has a beta of 0.83, meaning that its share price is 17% less volatile than the S&P 500.

Does the media refer more to XYF or FHB?

In the previous week, First Hawaiian had 2 more articles in the media than X Financial. MarketBeat recorded 6 mentions for First Hawaiian and 4 mentions for X Financial. First Hawaiian's average media sentiment score of 1.60 beat X Financial's score of 0.36 indicating that First Hawaiian is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
X Financial	2 Very Positive mention(s)	0 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
First Hawaiian	5 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Very Positive

Does the MarketBeat Community favor XYF or FHB?

First Hawaiian received 151 more outperform votes than X Financial when rated by MarketBeat users. However, 58.11% of users gave X Financial an outperform vote while only 49.56% of users gave First Hawaiian an outperform vote.

Company	Underperform	Outperform
X Financial	Outperform Votes 129 58.11%	Underperform Votes 93 41.89%
First Hawaiian	Outperform Votes 280 49.56%	Underperform Votes 285 50.44%

Summary

First Hawaiian beats X Financial on 11 of the 19 factors compared between the two stocks.