X Financial (XYF) Competitors

$5.00 -0.18 (-3.38%)

Closing price 03:58 PM Eastern

Extended Trading

$5.00 0.00 (0.00%)

As of 04:10 PM Eastern

XYF vs. HTB, SMBC, VEL, WYFI, and HIVE

Should you be buying X Financial stock or one of its competitors? The main competitors of X Financial include HomeTrust Bancshares (HTB), Southern Missouri Bancorp (SMBC), Velocity Financial (VEL), WhiteFiber (WYFI), and HIVE Digital Technologies (HIVE). These companies are all part of the "banking" industry.

How does X Financial compare to HomeTrust Bancshares?

HomeTrust Bancshares (NYSE:HTB) and X Financial (NYSE:XYF) are both small-cap banking companies, but which is the superior stock? We will contrast the two businesses based on the strength of their risk, media sentiment, profitability, institutional ownership, valuation, earnings, analyst recommendations and dividends.

X Financial has higher revenue and earnings than HomeTrust Bancshares. X Financial is trading at a lower price-to-earnings ratio than HomeTrust Bancshares, 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
HomeTrust Bancshares	$292.47M	2.65	$64.36M	$3.87	11.91
X Financial	$7.64B	0.03	$209.43M	$4.77	1.05

HomeTrust Bancshares pays an annual dividend of $0.52 per share and has a dividend yield of 1.1%. X Financial pays an annual dividend of $0.54 per share and has a dividend yield of 10.8%. HomeTrust Bancshares pays out 13.4% of its earnings in the form of a dividend. X Financial pays out 11.3% 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.

In the previous week, HomeTrust Bancshares had 11 more articles in the media than X Financial. MarketBeat recorded 11 mentions for HomeTrust Bancshares and 0 mentions for X Financial. HomeTrust Bancshares' average media sentiment score of 0.02 beat X Financial's score of 0.00 indicating that HomeTrust Bancshares is being referred to more favorably in the media.

Company	Overall Sentiment
HomeTrust Bancshares	Neutral
X Financial	Neutral

60.9% of HomeTrust Bancshares shares are owned by institutional investors. Comparatively, 1.1% of X Financial shares are owned by institutional investors. 11.0% of HomeTrust Bancshares shares are owned by insiders. Comparatively, 31.6% of X Financial shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

HomeTrust Bancshares has a net margin of 22.78% compared to X Financial's net margin of 19.09%. X Financial's return on equity of 19.27% beat HomeTrust Bancshares' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
HomeTrust Bancshares	22.78%	11.25%	1.46%
X Financial	19.09%	19.27%	10.80%

HomeTrust Bancshares presently has a consensus price target of $47.00, indicating a potential upside of 1.95%. Given HomeTrust Bancshares' stronger consensus rating and higher probable upside, analysts plainly believe HomeTrust Bancshares is more favorable than X Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
HomeTrust Bancshares	0 Sell rating(s)	1 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.50
X Financial	0 Sell rating(s)	1 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00

HomeTrust Bancshares has a beta of 0.82, suggesting that its share price is 18% less volatile than the S&P 500. Comparatively, X Financial has a beta of 0.56, suggesting that its share price is 44% less volatile than the S&P 500.

Summary

HomeTrust Bancshares beats X Financial on 10 of the 18 factors compared between the two stocks.

How does X Financial compare to Southern Missouri Bancorp?

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

X Financial has higher revenue and earnings than Southern Missouri Bancorp. X Financial is trading at a lower price-to-earnings ratio than Southern Missouri Bancorp, 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
Southern Missouri Bancorp	$305.35M	2.52	$58.58M	$5.99	11.56
X Financial	$7.64B	0.03	$209.43M	$4.77	1.05

Southern Missouri Bancorp pays an annual dividend of $1.00 per share and has a dividend yield of 1.4%. X Financial pays an annual dividend of $0.54 per share and has a dividend yield of 10.8%. Southern Missouri Bancorp pays out 16.7% of its earnings in the form of a dividend. X Financial pays out 11.3% 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. Southern Missouri Bancorp has raised its dividend for 13 consecutive years. X Financial is clearly the better dividend stock, given its higher yield and lower payout ratio.

In the previous week, Southern Missouri Bancorp had 1 more articles in the media than X Financial. MarketBeat recorded 1 mentions for Southern Missouri Bancorp and 0 mentions for X Financial. Southern Missouri Bancorp's average media sentiment score of 1.36 beat X Financial's score of 0.00 indicating that Southern Missouri Bancorp is being referred to more favorably in the media.

Company	Overall Sentiment
Southern Missouri Bancorp	Positive
X Financial	Neutral

49.5% of Southern Missouri Bancorp shares are owned by institutional investors. Comparatively, 1.1% of X Financial shares are owned by institutional investors. 15.8% of Southern Missouri Bancorp 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, large money managers and hedge funds believe a stock will outperform the market over the long term.

Southern Missouri Bancorp has a net margin of 21.36% compared to X Financial's net margin of 19.09%. X Financial's return on equity of 19.27% beat Southern Missouri Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Southern Missouri Bancorp	21.36%	12.14%	1.34%
X Financial	19.09%	19.27%	10.80%

Southern Missouri Bancorp presently has a consensus price target of $70.67, indicating a potential upside of 2.09%. Given Southern Missouri Bancorp's stronger consensus rating and higher probable upside, research analysts clearly believe Southern Missouri Bancorp is more favorable than X Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Southern Missouri Bancorp	0 Sell rating(s)	2 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.50
X Financial	0 Sell rating(s)	1 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00

Southern Missouri Bancorp has a beta of 0.89, meaning that its stock price is 11% less volatile than the S&P 500. Comparatively, X Financial has a beta of 0.56, meaning that its stock price is 44% less volatile than the S&P 500.

Summary

Southern Missouri Bancorp beats X Financial on 12 of the 19 factors compared between the two stocks.

How does X Financial compare to Velocity Financial?

X Financial (NYSE:XYF) and Velocity Financial (NYSE:VEL) are both small-cap finance companies, but which is the better business? We will contrast the two companies based on the strength of their institutional ownership, earnings, media sentiment, valuation, profitability, dividends, risk and analyst recommendations.

Velocity Financial has a net margin of 56.47% compared to X Financial's net margin of 19.09%. X Financial's return on equity of 19.27% beat Velocity Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
X Financial	19.09%	19.27%	10.80%
Velocity Financial	56.47%	18.43%	1.69%

1.1% of X Financial shares are held by institutional investors. Comparatively, 97.5% of Velocity Financial shares are held by institutional investors. 31.6% of X Financial shares are held by company insiders. Comparatively, 4.7% of Velocity Financial shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

X Financial has higher revenue and earnings than Velocity Financial. X Financial is trading at a lower price-to-earnings ratio than Velocity 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
X Financial	$7.64B	0.03	$209.43M	$4.77	1.05
Velocity Financial	$185.78M	3.85	$105.05M	$2.74	6.66

Velocity Financial has a consensus price target of $23.25, indicating a potential upside of 27.42%. Given Velocity Financial's stronger consensus rating and higher possible upside, analysts plainly believe Velocity Financial is more favorable than X Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
X Financial	0 Sell rating(s)	1 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00
Velocity Financial	0 Sell rating(s)	1 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	2.75

In the previous week, Velocity Financial had 10 more articles in the media than X Financial. MarketBeat recorded 10 mentions for Velocity Financial and 0 mentions for X Financial. Velocity Financial's average media sentiment score of 0.15 beat X Financial's score of 0.00 indicating that Velocity Financial is being referred to more favorably in the news media.

Company	Overall Sentiment
X Financial	Neutral
Velocity Financial	Neutral

X Financial has a beta of 0.56, meaning that its share price is 44% less volatile than the S&P 500. Comparatively, Velocity Financial has a beta of 0.76, meaning that its share price is 24% less volatile than the S&P 500.

Summary

Velocity Financial beats X Financial on 10 of the 16 factors compared between the two stocks.

How does X Financial compare to WhiteFiber?

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

WhiteFiber currently has a consensus price target of $31.18, suggesting a potential upside of 46.74%. Given WhiteFiber's stronger consensus rating and higher probable upside, research analysts plainly believe WhiteFiber is more favorable than X Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
WhiteFiber	1 Sell rating(s)	2 Hold rating(s)	10 Buy rating(s)	0 Strong Buy rating(s)	2.69
X Financial	0 Sell rating(s)	1 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00

1.1% of X Financial shares are owned by institutional investors. 31.6% of X Financial shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

In the previous week, WhiteFiber had 3 more articles in the media than X Financial. MarketBeat recorded 3 mentions for WhiteFiber and 0 mentions for X Financial. WhiteFiber's average media sentiment score of 0.39 beat X Financial's score of 0.00 indicating that WhiteFiber is being referred to more favorably in the media.

Company	Overall Sentiment
WhiteFiber	Neutral
X Financial	Neutral

X Financial has higher revenue and earnings than WhiteFiber. WhiteFiber 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
WhiteFiber	$79.16M	10.30	-$24.68M	-$1.14	N/A
X Financial	$7.64B	0.03	$209.43M	$4.77	1.05

X Financial has a net margin of 19.09% compared to WhiteFiber's net margin of 0.00%. X Financial's return on equity of 19.27% beat WhiteFiber's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
WhiteFiber	N/A	N/A	N/A
X Financial	19.09%	19.27%	10.80%

Summary

X Financial beats WhiteFiber on 9 of the 15 factors compared between the two stocks.

How does X Financial compare to HIVE Digital Technologies?

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

HIVE Digital Technologies has a beta of 3.5, suggesting that its stock price is 250% more volatile than the S&P 500. Comparatively, X Financial has a beta of 0.56, suggesting that its stock price is 44% less volatile than the S&P 500.

HIVE Digital Technologies currently has a consensus price target of $6.17, suggesting a potential upside of 118.68%. Given HIVE Digital Technologies' stronger consensus rating and higher probable upside, research analysts plainly believe HIVE Digital Technologies is more favorable than X Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
HIVE Digital Technologies	1 Sell rating(s)	2 Hold rating(s)	6 Buy rating(s)	0 Strong Buy rating(s)	2.56
X Financial	0 Sell rating(s)	1 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00

24.4% of HIVE Digital Technologies shares are owned by institutional investors. Comparatively, 1.1% of X Financial shares are owned by institutional investors. 9.4% of HIVE Digital Technologies shares are owned by insiders. Comparatively, 31.6% of X Financial shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

In the previous week, HIVE Digital Technologies had 4 more articles in the media than X Financial. MarketBeat recorded 4 mentions for HIVE Digital Technologies and 0 mentions for X Financial. HIVE Digital Technologies' average media sentiment score of 0.50 beat X Financial's score of 0.00 indicating that HIVE Digital Technologies is being referred to more favorably in the media.

Company	Overall Sentiment
HIVE Digital Technologies	Neutral
X Financial	Neutral

X Financial has higher revenue and earnings than HIVE Digital Technologies. HIVE Digital Technologies 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
HIVE Digital Technologies	$115.28M	6.42	-$3M	-$0.60	N/A
X Financial	$7.64B	0.03	$209.43M	$4.77	1.05

X Financial has a net margin of 19.09% compared to HIVE Digital Technologies' net margin of -47.89%. X Financial's return on equity of 19.27% beat HIVE Digital Technologies' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
HIVE Digital Technologies	-47.89%	-19.81%	-17.54%
X Financial	19.09%	19.27%	10.80%

Summary

HIVE Digital Technologies and X Financial tied by winning 8 of the 16 factors compared between the two stocks.

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New MarketBeat Followers Over Time

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.

Media Sentiment Over Time

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.

XYF vs. The Competition

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Metric	X Financial	FIN Industry	Finance Sector	NYSE Exchange
Market Cap	$195.24M	$7.17B	$13.50B	$22.83B
Dividend Yield	10.95%	5.57%	5.75%	4.01%
P/E Ratio	1.05	88.94	23.21	28.33
Price / Sales	0.03	9.41	180.48	23.96
Price / Cash	0.91	72.99	20.66	25.49
Price / Book	0.17	3.37	2.20	4.66
Net Income	$209.43M	$303.46M	$1.11B	$1.07B
7 Day Performance	N/A	N/A	N/A	-0.60%
1 Month Performance	14.17%	7.79%	2.94%	4.35%
1 Year Performance	-62.47%	23.71%	13.74%	28.87%

X Financial Competitors List

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Company	MarketRank	Share Price	Analysts' Price Target	1Y Price Performance	Market Cap	Revenue	P/E Ratio	Employee Count	Indicator(s)
XYF X Financial	1.6315 of 5 stars	$5.00 -3.4%	N/A	-59.3%	$195.24M	$7.64B	1.05	420
HTB HomeTrust Bancshares	2.0033 of 5 stars	$45.90 +0.8%	$47.00 +2.4%	N/A	$772.07M	$292.47M	11.86	520	News Coverage Insider Trade
SMBC Southern Missouri Bancorp	4.2305 of 5 stars	$68.95 +1.6%	$70.67 +2.5%	+32.6%	$768.48M	$305.35M	11.55	540	Positive News
VEL Velocity Financial	3.8291 of 5 stars	$19.37 +1.3%	$22.50 +16.2%	+9.2%	$760.08M	$185.78M	7.07	220	News Coverage Earnings Report Analyst Forecast
WYFI WhiteFiber	3.2217 of 5 stars	$19.30 +7.2%	$31.18 +61.6%	N/A	$740.44M	$79.16M	N/A	39

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This page (NYSE:XYF) was last updated on 5/8/2026 by MarketBeat.com Staff.

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X Financial (XYF) Competitors

XYF vs. HTB, SMBC, VEL, WYFI, and HIVE

How does X Financial compare to HomeTrust Bancshares?

Summary

How does X Financial compare to Southern Missouri Bancorp?

Summary

How does X Financial compare to Velocity Financial?

Summary

How does X Financial compare to WhiteFiber?

Summary

How does X Financial compare to HIVE Digital Technologies?

Summary

New MarketBeat Followers Over Time

Media Sentiment Over Time

XYF vs. The Competition

X Financial Competitors List

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Stock Ideas and Recommendations

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X Financial (XYF) Competitors

XYF vs. HTB, SMBC, VEL, WYFI, and HIVE

How does X Financial compare to HomeTrust Bancshares?

Which has better valuation & earnings, HTB or XYF?

Is HTB or XYF a better dividend stock?

Does the media refer more to HTB or XYF?

Do institutionals and insiders hold more shares of HTB or XYF?

Is HTB or XYF more profitable?

Do analysts rate HTB or XYF?

Which has more risk & volatility, HTB or XYF?

Summary

How does X Financial compare to Southern Missouri Bancorp?

Which has better earnings and valuation, SMBC or XYF?

Is SMBC or XYF a better dividend stock?

Does the media refer more to SMBC or XYF?

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

Is SMBC or XYF more profitable?

Do analysts prefer SMBC or XYF?

Which has more risk and volatility, SMBC or XYF?

Summary

How does X Financial compare to Velocity Financial?

Is XYF or VEL more profitable?

Do insiders & institutionals have more ownership in XYF or VEL?

Which has stronger earnings & valuation, XYF or VEL?

Do analysts prefer XYF or VEL?

Does the media prefer XYF or VEL?

Which has more risk and volatility, XYF or VEL?

Summary

How does X Financial compare to WhiteFiber?

Do analysts recommend WYFI or XYF?

Do institutionals & insiders have more ownership in WYFI or XYF?

Does the media refer more to WYFI or XYF?

Which has preferable valuation & earnings, WYFI or XYF?

Is WYFI or XYF more profitable?

Summary

How does X Financial compare to HIVE Digital Technologies?

Which has more risk and volatility, HIVE or XYF?

Do analysts recommend HIVE or XYF?

Do institutionals & insiders have more ownership in HIVE or XYF?

Does the media favor HIVE or XYF?

Which has preferable valuation & earnings, HIVE or XYF?

Is HIVE or XYF more profitable?

Summary

New MarketBeat Followers Over Time

Media Sentiment Over Time

XYF vs. The Competition

X Financial Competitors List

Related Companies and Tools

MarketBeat All Access Features

Best-in-Class Portfolio Monitoring

Stock Ideas and Recommendations

Advanced Stock Screeners and Research Tools