XYF vs. PGY, SII, CUBI, MFH, CMPO, NTB, NIC, VBTX, PWP, and FINV
Should you be buying X Financial stock or one of its competitors? The main competitors of X Financial include Pagaya Technologies (PGY), Sprott (SII), Customers Bancorp (CUBI), Mercurity Fintech (MFH), CompoSecure (CMPO), Bank of N.T. Butterfield & Son (NTB), Nicolet Bankshares (NIC), Veritex (VBTX), Perella Weinberg Partners (PWP), and PPDAI Group (FINV). These companies are all part of the "banking" industry.
X Financial vs. Its Competitors
Pagaya Technologies (NASDAQ:PGY) and X Financial (NYSE:XYF) are both finance companies, but which is the better business? We will compare the two companies based on the strength of their institutional ownership, analyst recommendations, profitability, media sentiment, risk, valuation, dividends and earnings.
Pagaya Technologies has a beta of 5.86, suggesting that its stock price is 486% more volatile than the S&P 500. Comparatively, X Financial has a beta of 0.12, suggesting that its stock price is 88% less volatile than the S&P 500.
In the previous week, Pagaya Technologies had 8 more articles in the media than X Financial. MarketBeat recorded 12 mentions for Pagaya Technologies and 4 mentions for X Financial. Pagaya Technologies' average media sentiment score of 0.36 beat X Financial's score of 0.20 indicating that Pagaya Technologies is being referred to more favorably in the media.
57.1% of Pagaya Technologies shares are held by institutional investors. Comparatively, 1.2% of X Financial shares are held by institutional investors. 47.6% of Pagaya Technologies shares are held by company insiders. Comparatively, 31.6% of X Financial shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.
X Financial has a net margin of 23.30% compared to Pagaya Technologies' net margin of -24.36%. X Financial's return on equity of 25.42% beat Pagaya Technologies' return on equity.
Pagaya Technologies currently has a consensus price target of $34.33, suggesting a potential upside of 13.61%. Given Pagaya Technologies' higher probable upside, analysts clearly believe Pagaya Technologies is more favorable than X Financial.
X Financial has lower revenue, but higher earnings than Pagaya Technologies. Pagaya 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.
Summary
Pagaya Technologies beats X Financial on 9 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.
X Financial Competitors List
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This page (NYSE:XYF) was last updated on 10/9/2025 by MarketBeat.com Staff
