X Financial (XYF) Competitors

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

Which has stronger earnings and valuation, LU or XYF?

X Financial has lower revenue, but higher earnings than Lufax. Lufax is trading at a lower price-to-earnings ratio than X Financial, 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
Lufax	$20.29B	0.12	$125.31M	-$0.77	-3.66
X Financial	$2.56B	0.26	$167.16M	$4.35	3.07

Do analysts rate LU or XYF?

Lufax currently has a consensus price target of $2.98, indicating a potential upside of 5.68%. Given Lufax's stronger consensus rating and higher possible upside, equities research analysts plainly believe Lufax is more favorable than X Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Lufax	1 Sell rating(s)	2 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	1.67
X Financial	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Is LU or XYF more profitable?

X Financial has a net margin of 25.03% compared to Lufax's net margin of -12.75%. X Financial's return on equity of 20.66% beat Lufax's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Lufax	-12.75%	-3.63%	-1.45%
X Financial	25.03%	20.66%	11.17%

Do insiders and institutionals have more ownership in LU or XYF?

69.1% of Lufax shares are held by institutional investors. Comparatively, 1.1% of X Financial shares are held by institutional investors. 31.6% of X Financial shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Which has more risk and volatility, LU or XYF?

Lufax has a beta of 0.71, suggesting that its stock price is 29% less volatile than the S&P 500. Comparatively, X Financial has a beta of -0.1, suggesting that its stock price is 110% less volatile than the S&P 500.

Is LU or XYF a better dividend stock?

Lufax pays an annual dividend of $0.12 per share and has a dividend yield of 4.3%. X Financial pays an annual dividend of $0.32 per share and has a dividend yield of 2.4%. Lufax pays out -15.6% 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. Lufax is clearly the better dividend stock, given its higher yield and lower payout ratio.

Does the media prefer LU or XYF?

In the previous week, Lufax had 12 more articles in the media than X Financial. MarketBeat recorded 15 mentions for Lufax and 3 mentions for X Financial. Lufax's average media sentiment score of 0.57 beat X Financial's score of 0.00 indicating that Lufax is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Lufax	6 Very Positive mention(s)	1 Positive mention(s)	6 Neutral mention(s)	1 Negative mention(s)	0 Very Negative mention(s)	Positive
X Financial	0 Very Positive mention(s)	0 Positive mention(s)	3 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

Does the MarketBeat Community prefer LU or XYF?

X Financial received 106 more outperform votes than Lufax when rated by MarketBeat users. Likewise, 58.11% of users gave X Financial an outperform vote while only 41.07% of users gave Lufax an outperform vote.

Company	Underperform	Outperform
Lufax	Outperform Votes 23 41.07%	Underperform Votes 33 58.93%
X Financial	Outperform Votes 129 58.11%	Underperform Votes 93 41.89%

Summary

X Financial beats Lufax on 10 of the 19 factors compared between the two stocks.