XYF vs. BBAR, PPBI, CUBI, NTB, FINV, NIC, LC, CMPO, PWP, and CASH
Should you be buying X Financial stock or one of its competitors? The main competitors of X Financial include BBVA Banco Frances (BBAR), Pacific Premier Bancorp (PPBI), Customers Bancorp (CUBI), Bank of N.T. Butterfield & Son (NTB), PPDAI Group (FINV), Nicolet Bankshares (NIC), LendingClub (LC), CompoSecure (CMPO), Perella Weinberg Partners (PWP), and Pathward Financial (CASH). These companies are all part of the "banking" industry.
X Financial vs. Its Competitors
BBVA Banco Frances (NYSE:BBAR) and X Financial (NYSE:XYF) are both small-cap finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their valuation, profitability, risk, earnings, institutional ownership, media sentiment, analyst recommendations and dividends.
BBVA Banco Frances has a beta of 1.3, meaning that its share price is 30% more volatile than the S&P 500. Comparatively, X Financial has a beta of 0.3, meaning that its share price is 70% less volatile than the S&P 500.
BBVA Banco Frances pays an annual dividend of $0.26 per share and has a dividend yield of 2.9%. X Financial pays an annual dividend of $0.48 per share and has a dividend yield of 3.4%. BBVA Banco Frances pays out 19.4% of its earnings in the form of a dividend. X Financial pays out 9.0% 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.
BBVA Banco Frances has higher revenue and earnings than X Financial. X Financial is trading at a lower price-to-earnings ratio than BBVA Banco Frances, indicating that it is currently the more affordable of the two stocks.
In the previous week, BBVA Banco Frances had 11 more articles in the media than X Financial. MarketBeat recorded 14 mentions for BBVA Banco Frances and 3 mentions for X Financial. BBVA Banco Frances' average media sentiment score of 0.56 beat X Financial's score of 0.56 indicating that BBVA Banco Frances is being referred to more favorably in the media.
1.2% of X Financial shares are owned by institutional investors. 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 company is poised for long-term growth.
X Financial has a net margin of 23.30% compared to BBVA Banco Frances' net margin of 6.65%. X Financial's return on equity of 25.42% beat BBVA Banco Frances' return on equity.
BBVA Banco Frances currently has a consensus price target of $22.50, indicating a potential upside of 151.23%. Given BBVA Banco Frances' stronger consensus rating and higher possible upside, research analysts plainly believe BBVA Banco Frances is more favorable than X Financial.
Summary
BBVA Banco Frances and X Financial tied by winning 9 of the 18 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 9/12/2025 by MarketBeat.com Staff
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