X Financial (XYF) Competitors $15.75 +0.96 (+6.50%) Closing price 03:59 PM EasternExtended Trading$15.78 +0.02 (+0.15%) As of 06:48 PM Eastern Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more. Add Compare Share Share Competitors Stock AnalysisChartCompetitorsDividendEarningsFinancialsHeadlinesOwnershipSEC FilingsShort InterestTrendsBuy This Stock XYF vs. PGY, NTB, PPBI, HUT, CUBI, PWP, WULF, NIC, CIFR, and CMPOShould you be buying X Financial stock or one of its competitors? The main competitors of X Financial include Pagaya Technologies (PGY), Bank of N.T. Butterfield & Son (NTB), Pacific Premier Bancorp (PPBI), Hut 8 (HUT), Customers Bancorp (CUBI), Perella Weinberg Partners (PWP), TeraWulf (WULF), Nicolet Bankshares (NIC), Cipher Mining (CIFR), and CompoSecure (CMPO). These companies are all part of the "banking" industry. X Financial vs. Its Competitors Pagaya Technologies Bank of N.T. Butterfield & Son Pacific Premier Bancorp Hut 8 Customers Bancorp Perella Weinberg Partners TeraWulf Nicolet Bankshares Cipher Mining CompoSecure X Financial (NYSE:XYF) and Pagaya Technologies (NASDAQ:PGY) are both finance companies, but which is the better investment? We will compare the two businesses based on the strength of their profitability, media sentiment, earnings, institutional ownership, dividends, analyst recommendations, valuation and risk. Is XYF or PGY more profitable? 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.Company Net Margins Return on Equity Return on Assets X Financial23.30% 25.42% 14.98% Pagaya Technologies -24.36%19.14%6.79% Do analysts recommend XYF or PGY? Pagaya Technologies has a consensus price target of $34.33, indicating a potential upside of 1.70%. Given Pagaya Technologies' stronger consensus rating and higher possible upside, analysts plainly believe Pagaya Technologies 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) 0.00Pagaya Technologies 0 Sell rating(s) 1 Hold rating(s) 8 Buy rating(s) 0 Strong Buy rating(s) 2.89 Does the media refer more to XYF or PGY? In the previous week, X Financial had 5 more articles in the media than Pagaya Technologies. MarketBeat recorded 14 mentions for X Financial and 9 mentions for Pagaya Technologies. Pagaya Technologies' average media sentiment score of 1.19 beat X Financial's score of 0.78 indicating that Pagaya Technologies is being referred to more favorably in the news media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment X Financial 6 Very Positive mention(s) 0 Positive mention(s) 6 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive Pagaya Technologies 7 Very Positive mention(s) 0 Positive mention(s) 2 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive Which has more risk & volatility, XYF or PGY? X Financial has a beta of 0.25, suggesting that its share price is 75% less volatile than the S&P 500. Comparatively, Pagaya Technologies has a beta of 5.95, suggesting that its share price is 495% more volatile than the S&P 500. Do institutionals & insiders have more ownership in XYF or PGY? 1.1% of X Financial shares are owned by institutional investors. Comparatively, 57.1% of Pagaya Technologies shares are owned by institutional investors. 31.6% of X Financial shares are owned by company insiders. Comparatively, 47.6% of Pagaya Technologies 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. Which has stronger earnings and valuation, XYF or PGY? X Financial has higher revenue and 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. CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings RatioX Financial$3.15B0.21$210.97M$5.342.95Pagaya Technologies$1.03B2.51-$401.41M-$3.83-8.81 SummaryX Financial and Pagaya Technologies tied by winning 8 of the 16 factors compared between the two stocks. Get X Financial News Delivered to You Automatically Sign up to receive the latest news and ratings for XYF and its competitors with MarketBeat's FREE daily newsletter. Email Address New MarketBeat Followers Over TimeWhat are MarkeBeat Followers?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. Skip ChartMedia Sentiment Over TimeWhat is Media Sentiment?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.Skip Chart XYF vs. The Competition Export to ExcelMetricX FinancialFIN IndustryFinance SectorNYSE ExchangeMarket Cap$658.08M$7.81B$12.65B$21.16BDividend Yield3.93%4.80%5.52%3.59%P/E Ratio2.9517.7619.3829.15Price / Sales0.217.1026.9754.92Price / Cash2.5924.3021.7823.84Price / Book0.614.722.355.45Net Income$210.97M$311.02M$1.01B$992.10M7 Day Performance17.54%1.18%1.72%2.62%1 Month Performance-10.88%-1.46%1.52%2.51%1 Year Performance226.11%31.52%542.52%12.94% X Financial Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)XYFX Financial2.9903 of 5 stars$15.75+6.5%N/A+235.1%$658.08M$3.15B2.95420News CoverageEarnings ReportDividend IncreaseHigh Trading VolumePGYPagaya Technologies3.2254 of 5 stars$28.11-2.0%$32.20+14.5%+134.2%$2.17B$1.03B-7.34800NTBBank of N.T. Butterfield & Son4.2798 of 5 stars$44.88-0.3%$51.33+14.4%+20.8%$2.14B$815.73M9.011,306Positive NewsShort Interest ↓PPBIPacific Premier Bancorp3.6938 of 5 stars$21.87+0.7%$27.50+25.7%-7.8%$2.11B$905.41M15.401,325Positive NewsHUTHut 82.082 of 5 stars$20.57+5.8%$26.71+29.8%+75.3%$2.05B$162.38M0.00219Analyst ForecastCUBICustomers Bancorp2.5132 of 5 stars$62.75+0.2%$69.25+10.4%+34.5%$1.98B$1.39B15.53640News CoveragePositive NewsPWPPerella Weinberg Partners1.2409 of 5 stars$21.79-1.8%$23.67+8.6%+9.7%$1.94B$878.04M26.57600Positive NewsWULFTeraWulf3.5212 of 5 stars$5.40+7.4%$8.06+49.3%+91.5%$1.93B$140.05M-15.436Trending NewsAnalyst ForecastNICNicolet Bankshares2.9681 of 5 stars$127.18+0.6%$145.33+14.3%+39.9%$1.88B$520.63M14.60860News CoveragePositive NewsDividend AnnouncementShort Interest ↓CIFRCipher Mining1.5699 of 5 stars$4.76+0.1%$7.70+61.9%+45.7%$1.87B$151.27M-11.0610News CoverageAnalyst ForecastInsider TradeCMPOCompoSecure0.8214 of 5 stars$17.96+2.5%$17.07-4.9%+68.4%$1.79B$420.57M-10.691,007Trending NewsAnalyst ForecastAnalyst Revision Related Companies and Tools Related Companies PGY Competitors NTB Competitors PPBI Competitors HUT Competitors CUBI Competitors PWP Competitors WULF Competitors NIC Competitors CIFR Competitors CMPO Competitors Top 10 Stock Comparisons Semiconductor Stocks Artificial Intelligence Stocks Growth Stocks Magnificent Seven Stocks Pharmaceutical Stocks Ecommerce Stocks Bitcoin Stocks Meme Stocks Cryptocurrency Stocks Cybersecurity Stocks This page (NYSE:XYF) was last updated on 8/22/2025 by MarketBeat.com Staff From Our PartnersGENIUS Act: Cancel Your Money?A new law called the GENIUS Act could quietly trigger the most radical shift in American finance in decades. 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