X Financial (XYF) Competitors $14.16 -0.23 (-1.60%) Closing price 08/1/2025 03:59 PM EasternExtended Trading$14.18 +0.03 (+0.18%) As of 08/1/2025 07:21 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. INTR, DAVE, ENVA, BFH, PRK, FINV, LU, PGY, HUT, and FBKShould you be buying X Financial stock or one of its competitors? The main competitors of X Financial include Inter & Co. Inc. (INTR), Dave (DAVE), Enova International (ENVA), Bread Financial (BFH), Park National (PRK), PPDAI Group (FINV), Lufax (LU), Pagaya Technologies (PGY), Hut 8 (HUT), and FB Financial (FBK). These companies are all part of the "banking" industry. X Financial vs. Its Competitors Inter & Co. Inc. Dave Enova International Bread Financial Park National PPDAI Group Lufax Pagaya Technologies Hut 8 FB Financial X Financial (NYSE:XYF) and Inter & Co. Inc. (NASDAQ:INTR) are both finance companies, but which is the better stock? We will compare the two businesses based on the strength of their institutional ownership, earnings, risk, media sentiment, profitability, dividends, analyst recommendations and valuation. Do analysts prefer XYF or INTR? Inter & Co. Inc. has a consensus target price of $6.37, indicating a potential downside of 1.90%. Given Inter & Co. Inc.'s stronger consensus rating and higher possible upside, analysts plainly believe Inter & Co. Inc. 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) 0.00Inter & Co. Inc. 1 Sell rating(s) 0 Hold rating(s) 2 Buy rating(s) 0 Strong Buy rating(s) 2.33 Is XYF or INTR more profitable? X Financial has a net margin of 24.76% compared to Inter & Co. Inc.'s net margin of 11.87%. X Financial's return on equity of 23.30% beat Inter & Co. Inc.'s return on equity.Company Net Margins Return on Equity Return on Assets X Financial24.76% 23.30% 13.70% Inter & Co. Inc. 11.87%10.88%1.32% Does the media favor XYF or INTR? In the previous week, X Financial had 2 more articles in the media than Inter & Co. Inc.. MarketBeat recorded 5 mentions for X Financial and 3 mentions for Inter & Co. Inc.. Inter & Co. Inc.'s average media sentiment score of 0.81 beat X Financial's score of 0.67 indicating that Inter & Co. Inc. is being referred to more favorably in the news media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment X Financial 1 Very Positive mention(s) 1 Positive mention(s) 2 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive Inter & Co. Inc. 1 Very Positive mention(s) 1 Positive mention(s) 1 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive Which has more volatility & risk, XYF or INTR? X Financial has a beta of 0.26, suggesting that its stock price is 74% less volatile than the S&P 500. Comparatively, Inter & Co. Inc. has a beta of 1.13, suggesting that its stock price is 13% more volatile than the S&P 500. Which has preferable earnings and valuation, XYF or INTR? X Financial has higher earnings, but lower revenue than Inter & Co. Inc.. X Financial is trading at a lower price-to-earnings ratio than Inter & Co. Inc., indicating that it is currently the more affordable of the two stocks. CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings RatioX Financial$804.43M0.74$210.97M$4.802.95Inter & Co. Inc.$6.84B0.42$168.18M$0.4115.83 Do insiders and institutionals hold more shares of XYF or INTR? 1.2% of X Financial shares are owned by institutional investors. Comparatively, 22.9% of Inter & Co. Inc. shares are owned by institutional investors. 31.6% of X Financial shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term. Is XYF or INTR a better dividend stock? X Financial pays an annual dividend of $0.48 per share and has a dividend yield of 3.4%. Inter & Co. Inc. pays an annual dividend of $0.08 per share and has a dividend yield of 1.2%. X Financial pays out 10.0% of its earnings in the form of a dividend. Inter & Co. Inc. pays out 19.5% 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. SummaryX Financial beats Inter & Co. Inc. on 10 of the 18 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$601.21M$7.74B$12.08B$20.69BDividend Yield3.36%4.90%5.63%3.67%P/E Ratio2.9518.8819.7429.07Price / Sales0.744.8425.9166.55Price / Cash2.9120.9821.3322.84Price / Book0.622.532.094.43Net Income$210.97M$311.63M$1.00B$994.22M7 Day Performance-1.21%-6.81%-2.46%-3.35%1 Month Performance-25.55%4.96%-0.96%-2.06%1 Year Performance227.78%28.18%537.06%10.15% X Financial Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)XYFX Financial2.2352 of 5 stars$14.16-1.6%N/A+226.3%$601.21M$804.43M2.95420Short Interest ↑Gap DownINTRInter & Co. Inc.2.6741 of 5 stars$6.83-1.2%$6.37-6.8%+0.8%$3.04B$1.31B16.664,333News CoverageUpcoming EarningsDAVEDave2.205 of 5 stars$195.54-10.3%$237.50+21.5%+568.6%$2.91B$347.10M53.87250Trending NewsUpcoming EarningsAnalyst ForecastGap DownENVAEnova International3.3173 of 5 stars$113.03-0.5%$111.00-1.8%+19.3%$2.88B$2.66B13.311,787News CoverageInsider TradeBFHBread Financial4.1171 of 5 stars$61.06-0.2%$63.92+4.7%+13.4%$2.85B$4.80B10.846,000Positive NewsGap DownPRKPark National2.9183 of 5 stars$171.32+0.4%$177.75+3.8%-6.8%$2.77B$528.91M18.401,790Trending NewsDividend AnnouncementFINVPPDAI Group3.0277 of 5 stars$9.99+1.5%$11.55+15.7%+53.2%$2.49B$1.79B7.293,623LULufax1.035 of 5 stars$2.90+4.5%$2.98+2.8%+6.0%$2.40B$4.82B-3.7636,215PGYPagaya Technologies2.8265 of 5 stars$31.31+0.6%$26.70-14.7%+106.1%$2.36B$1.03B-6.18800Upcoming EarningsGap UpHigh Trading VolumeHUTHut 83.3899 of 5 stars$21.34-1.3%$26.12+22.4%+42.3%$2.25B$162.38M0.00219Upcoming EarningsGap DownFBKFB Financial4.614 of 5 stars$48.31-1.0%$58.25+20.6%+6.0%$2.23B$427.43M25.031,490Dividend Announcement Related Companies and Tools Related Companies INTR Competitors DAVE Competitors ENVA Competitors BFH Competitors PRK Competitors FINV Competitors LU Competitors PGY Competitors HUT Competitors FBK 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 8/2/2025 by MarketBeat.com Staff From Our PartnersIs Elon's empire crumbling?The Tesla Shock Nobody Sees Coming While headlines scream "Tesla is doomed"... Jeff Brown has uncovered ...Brownstone Research | SponsoredBuffett to put 90% of his money in this one stock?CPA and CFA says you have WAY too many stocks - just buy these 3 After years working at the biggest accoun...Altimetry | SponsoredHe Called Nvidia at $1.10. Now, He Says THIS Stock Will…The original Magnificent Seven returned 16,894%—turning $7K into $1.18 million. Now, the man who called Nvi...The Oxford Club | SponsoredDigital Dollar Alert: Protect Your Wealth Before It’s Too Late134 countries are developing Central Bank Digital Currencies — and the U.S. is quietly testing one. Experts...American Alternative | SponsoredChina just unlocked Nvidia’s AI chips—what that means for youTired of Missing Big AI Moves Like Nvidia? You’re not the problem—your trading system is. Tim’s XGPT system...Timothy Sykes | SponsoredREVEALED FREE: Our top 3 stocks to own in 2025 and beyondEvery time Weiss Ratings flashed green like this, the average gain on each and every stock has been 303% (incl...Weiss Ratings | SponsoredWhy AMZN, GOOG, MSFT might destroy NVDAInvesting Legend Hints the End May be Near for These 3 Iconic Stocks Futurist Eric Fry say Amazon, Tesla an...InvestorPlace | SponsoredYour blueprint for crypto wealthMark August 12th on your calendar. 27 of crypto's most successful minds are about to reveal everything…Crypto 101 Media | Sponsored Adding Choose a watchlist: Watchlist Adding You have already added ten stocks to your watchlist. Upgrade to MarketBeat All Access to add more stocks to your watchlist. Adding X Financial Sponsored ADR Please log in to your account or sign up in order to add this asset to your watchlist. Share X Financial With A Colleague Link copied to clipboard. Get 30 Days of MarketBeat All Access for Free Sign up for MarketBeat All Access to gain access to MarketBeat's full suite of research tools. Start Your 30-Day Trial MarketBeat All Access Features Best-in-Class Portfolio Monitoring Get personalized stock ideas. Compare portfolio to indices. Check stock news, ratings, SEC filings, and more. Stock Ideas and Recommendations See daily stock ideas from top analysts. Receive short-term trading ideas from MarketBeat. Identify trending stocks on social media. Advanced Stock Screeners and Research Tools Use our seven stock screeners to find suitable stocks. Stay informed with MarketBeat's real-time news. Export data to Excel for personal analysis. Sign in to your free account to enjoy these benefits In-depth profiles and analysis for 20,000 public companies. Real-time analyst ratings, insider transactions, earnings data, and more. Our daily ratings and market update email newsletter. Sign in to your free account to enjoy all that MarketBeat has to offer. Sign In Create Account Your Email Address: Email Address Required Your Password: Password Required Log In or Sign in with Facebook Sign in with Google Forgot your password? Your Email Address: Please enter your email address. Please enter a valid email address Choose a Password: Please enter your password. Your password must be at least 8 characters long and contain at least 1 number, 1 letter, and 1 special character. Create My Account (Free) or Sign in with Facebook Sign in with Google By creating a free account, you agree to our terms of service. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
Free XYF Stock Alerts