Do analysts rate WRLD or XYF?

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score World Acceptance 0 Sell rating(s) 2 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 2.00 X Financial 0 Sell rating(s) 1 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 2.00

Which has preferable valuation & earnings, WRLD or XYF?

X Financial has higher revenue and earnings than World Acceptance. X Financial is trading at a lower price-to-earnings ratio than World Acceptance, 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 World Acceptance $540.36M 1.48 $34.59M $8.46 20.33 X Financial $5.60B 0.04 $209.43M $1.96 2.65

Does the media refer more to WRLD or XYF?

In the previous week, World Acceptance had 6 more articles in the media than X Financial. MarketBeat recorded 7 mentions for World Acceptance and 1 mentions for X Financial. World Acceptance's average media sentiment score of 1.58 beat X Financial's score of 0.00 indicating that World Acceptance is being referred to more favorably in the media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment World Acceptance 5 Very Positive mention(s) 1 Positive mention(s) 0 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Very Positive X Financial 0 Very Positive mention(s) 0 Positive mention(s) 1 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Neutral

Do analysts rate XYF or FINV?

PPDAI Group has a consensus target price of $4.10, suggesting a potential upside of 31.62%. Given PPDAI Group's higher possible upside, analysts clearly believe PPDAI Group 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 PPDAI Group 0 Sell rating(s) 2 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 2.00

Which has better valuation & earnings, XYF or FINV?

PPDAI Group has higher revenue and earnings than X Financial. X Financial is trading at a lower price-to-earnings ratio than PPDAI Group, 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 $5.60B 0.04 $209.43M $1.96 2.65 PPDAI Group $13.16B 0.06 $363.56M $1.06 2.94

Does the media refer more to XYF or FINV?

In the previous week, PPDAI Group had 2 more articles in the media than X Financial. MarketBeat recorded 3 mentions for PPDAI Group and 1 mentions for X Financial. X Financial's average media sentiment score of 0.00 beat PPDAI Group's score of -0.56 indicating that X Financial is being referred to more favorably in the media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment X Financial 0 Very Positive mention(s) 0 Positive mention(s) 1 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Neutral PPDAI Group 0 Very Positive mention(s) 0 Positive mention(s) 1 Neutral mention(s) 1 Negative mention(s) 1 Very Negative mention(s) Negative

Do analysts recommend PRAA or XYF?

PRA Group presently has a consensus target price of $26.00, indicating a potential upside of 25.91%. Given PRA Group's stronger consensus rating and higher probable upside, equities research analysts plainly believe PRA Group is more favorable than X Financial. Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score PRA Group 1 Sell rating(s) 2 Hold rating(s) 1 Buy rating(s) 1 Strong Buy rating(s) 2.40 X Financial 0 Sell rating(s) 1 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 2.00

Which has higher valuation & earnings, PRAA or XYF?

X Financial has higher revenue and earnings than PRA Group. PRA Group 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 PRA Group $1.20B 0.65 -$305.14M -$6.73 N/A X Financial $5.60B 0.04 $209.43M $1.96 2.65

Is PRAA or XYF more profitable?

X Financial has a net margin of 9.94% compared to PRA Group's net margin of -19.91%. PRA Group's return on equity of 15.56% beat X Financial's return on equity. Company Net Margins Return on Equity Return on Assets PRA Group -19.91% 15.56% 3.18% X Financial 9.94% 9.14% 5.20%

Does the media favor PRAA or XYF?

In the previous week, PRA Group had 8 more articles in the media than X Financial. MarketBeat recorded 9 mentions for PRA Group and 1 mentions for X Financial. PRA Group's average media sentiment score of 0.50 beat X Financial's score of 0.00 indicating that PRA Group is being referred to more favorably in the media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment PRA Group 0 Very Positive mention(s) 2 Positive mention(s) 6 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Neutral X Financial 0 Very Positive mention(s) 0 Positive mention(s) 1 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Neutral

Do analysts recommend XYF or GDOT?

Green Dot has a consensus price target of $16.13, indicating a potential upside of 31.53%. Given Green Dot's higher probable upside, analysts plainly believe Green Dot 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 Green Dot 2 Sell rating(s) 2 Hold rating(s) 1 Buy rating(s) 0 Strong Buy rating(s) 1.80

Which has higher earnings and valuation, XYF or GDOT?

X Financial has higher revenue and earnings than Green Dot. Green Dot 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 X Financial $5.60B 0.04 $209.43M $1.96 2.65 Green Dot $2.27B 0.31 -$98.87M -$0.51 N/A

Is XYF or GDOT more profitable?

X Financial has a net margin of 9.94% compared to Green Dot's net margin of -1.14%. X Financial's return on equity of 9.14% beat Green Dot's return on equity. Company Net Margins Return on Equity Return on Assets X Financial 9.94% 9.14% 5.20% Green Dot -1.14% 6.92% 1.04%

Does the media prefer XYF or GDOT?

In the previous week, Green Dot had 4 more articles in the media than X Financial. MarketBeat recorded 5 mentions for Green Dot and 1 mentions for X Financial. Green Dot's average media sentiment score of 0.76 beat X Financial's score of 0.00 indicating that Green Dot is being referred to more favorably in the news media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment X Financial 0 Very Positive mention(s) 0 Positive mention(s) 1 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Neutral Green Dot 1 Very Positive mention(s) 2 Positive mention(s) 2 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive

Do analysts recommend XYF or OPFI?

OppFi has a consensus target price of $10.50, indicating a potential upside of 67.06%. Given OppFi's stronger consensus rating and higher probable upside, analysts clearly believe OppFi 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 OppFi 1 Sell rating(s) 3 Hold rating(s) 2 Buy rating(s) 0 Strong Buy rating(s) 2.17

Which has better earnings and valuation, XYF or OPFI?

X Financial has higher revenue and earnings than OppFi. X Financial is trading at a lower price-to-earnings ratio than OppFi, 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 $5.60B 0.04 $209.43M $1.96 2.65 OppFi $611.39M 0.88 $26.33M $1.89 3.33

Is XYF or OPFI more profitable?

OppFi has a net margin of 16.64% compared to X Financial's net margin of 9.94%. OppFi's return on equity of 30.89% beat X Financial's return on equity. Company Net Margins Return on Equity Return on Assets X Financial 9.94% 9.14% 5.20% OppFi 16.64% 30.89% 13.99%

Does the media refer more to XYF or OPFI?

In the previous week, OppFi had 1 more articles in the media than X Financial. MarketBeat recorded 2 mentions for OppFi and 1 mentions for X Financial. X Financial's average media sentiment score of 0.00 beat OppFi's score of -0.52 indicating that X Financial is being referred to more favorably in the media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment X Financial 0 Very Positive mention(s) 0 Positive mention(s) 1 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Neutral OppFi 0 Very Positive mention(s) 0 Positive mention(s) 1 Neutral mention(s) 0 Negative mention(s) 1 Very Negative mention(s) Negative

X Financial (XYF) Competitors

$5.19 -0.03 (-0.52%)

Closing price 09/25/2026 03:59 PM Eastern

Extended Trading

$5.23 +0.04 (+0.71%)

As of 09/25/2026 07:30 PM Eastern

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XYF vs. WRLD, FINV, PRAA, GDOT, and OPFI

Should you buy X Financial stock or one of its competitors? X Financial's main competitors and comparable companies include World Acceptance (WRLD), PPDAI Group (FINV), PRA Group (PRAA), Green Dot (GDOT), and OppFi (OPFI). Companies are selected based on similarities in market, industry, and size. These companies are all part of the "consumer finance" industry.

How does X Financial compare to World Acceptance?

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

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
World Acceptance	0 Sell rating(s)	2 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00
X Financial	0 Sell rating(s)	1 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00

In the previous week, World Acceptance had 6 more articles in the media than X Financial. MarketBeat recorded 7 mentions for World Acceptance and 1 mentions for X Financial. World Acceptance's average media sentiment score of 1.58 beat X Financial's score of 0.00 indicating that World Acceptance is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
World Acceptance	5 Very Positive mention(s)	1 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Very Positive
X Financial	0 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

83.6% of World Acceptance shares are held by institutional investors. Comparatively, 1.1% of X Financial shares are held by institutional investors. 38.0% of World Acceptance 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 large money managers, endowments and hedge funds believe a company is poised for long-term growth.

X Financial has higher revenue and earnings than World Acceptance. X Financial is trading at a lower price-to-earnings ratio than World Acceptance, 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
World Acceptance	$540.36M	1.48	$34.59M	$8.46	20.33
X Financial	$5.60B	0.04	$209.43M	$1.96	2.65

World Acceptance has a beta of 1.14, meaning that its stock price is 14% more volatile than the broader market. Comparatively, X Financial has a beta of 0.53, meaning that its stock price is 47% less volatile than the broader market.

X Financial has a net margin of 9.94% compared to World Acceptance's net margin of 6.71%. World Acceptance's return on equity of 12.13% beat X Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
World Acceptance	6.71%	12.13%	4.00%
X Financial	9.94%	9.14%	5.20%

Summary

World Acceptance beats X Financial on 9 of the 13 factors compared between the two stocks.

How does X Financial compare to PPDAI Group?

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

1.1% of X Financial shares are owned by institutional investors. Comparatively, 31.1% of PPDAI Group shares are owned by institutional investors. 31.6% of X Financial shares are owned by insiders. Comparatively, 44.0% of PPDAI Group shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

X Financial pays an annual dividend of $0.54 per share and has a dividend yield of 10.4%. PPDAI Group pays an annual dividend of $0.21 per share and has a dividend yield of 6.7%. X Financial pays out 27.6% of its earnings in the form of a dividend. PPDAI Group pays out 19.8% 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.

PPDAI Group has a consensus target price of $4.10, suggesting a potential upside of 31.62%. Given PPDAI Group's higher possible upside, analysts clearly believe PPDAI Group 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
PPDAI Group	0 Sell rating(s)	2 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00

PPDAI Group has a net margin of 14.49% compared to X Financial's net margin of 9.94%. PPDAI Group's return on equity of 12.31% beat X Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
X Financial	9.94%	9.14%	5.20%
PPDAI Group	14.49%	12.31%	7.95%

X Financial has a beta of 0.53, meaning that its share price is 47% less volatile than the broader market. Comparatively, PPDAI Group has a beta of 0.34, meaning that its share price is 66% less volatile than the broader market.

In the previous week, PPDAI Group had 2 more articles in the media than X Financial. MarketBeat recorded 3 mentions for PPDAI Group and 1 mentions for X Financial. X Financial's average media sentiment score of 0.00 beat PPDAI Group's score of -0.56 indicating that X Financial is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
X Financial	0 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
PPDAI Group	0 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	1 Negative mention(s)	1 Very Negative mention(s)	Negative

PPDAI Group has higher revenue and earnings than X Financial. X Financial is trading at a lower price-to-earnings ratio than PPDAI Group, 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	$5.60B	0.04	$209.43M	$1.96	2.65
PPDAI Group	$13.16B	0.06	$363.56M	$1.06	2.94

Summary

PPDAI Group beats X Financial on 12 of the 16 factors compared between the two stocks.

How does X Financial compare to PRA Group?

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

X Financial has a net margin of 9.94% compared to PRA Group's net margin of -19.91%. PRA Group's return on equity of 15.56% beat X Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
PRA Group	-19.91%	15.56%	3.18%
X Financial	9.94%	9.14%	5.20%

97.2% of PRA Group shares are owned by institutional investors. Comparatively, 1.1% of X Financial shares are owned by institutional investors. 2.2% of PRA Group 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 large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

In the previous week, PRA Group had 8 more articles in the media than X Financial. MarketBeat recorded 9 mentions for PRA Group and 1 mentions for X Financial. PRA Group's average media sentiment score of 0.50 beat X Financial's score of 0.00 indicating that PRA Group is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
PRA Group	0 Very Positive mention(s)	2 Positive mention(s)	6 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
X Financial	0 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

PRA Group has a beta of 1.11, suggesting that its share price is 11% more volatile than the broader market. Comparatively, X Financial has a beta of 0.53, suggesting that its share price is 47% less volatile than the broader market.

PRA Group presently has a consensus target price of $26.00, indicating a potential upside of 25.91%. Given PRA Group's stronger consensus rating and higher probable upside, equities research analysts plainly believe PRA Group is more favorable than X Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
PRA Group	1 Sell rating(s)	2 Hold rating(s)	1 Buy rating(s)	1 Strong Buy rating(s)	2.40
X Financial	0 Sell rating(s)	1 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00

X Financial has higher revenue and earnings than PRA Group. PRA Group 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
PRA Group	$1.20B	0.65	-$305.14M	-$6.73	N/A
X Financial	$5.60B	0.04	$209.43M	$1.96	2.65

Summary

PRA Group beats X Financial on 10 of the 17 factors compared between the two stocks.

How does X Financial compare to Green Dot?

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

X Financial has higher revenue and earnings than Green Dot. Green Dot 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
X Financial	$5.60B	0.04	$209.43M	$1.96	2.65
Green Dot	$2.27B	0.31	-$98.87M	-$0.51	N/A

1.1% of X Financial shares are held by institutional investors. Comparatively, 92.6% of Green Dot shares are held by institutional investors. 31.6% of X Financial shares are held by insiders. Comparatively, 1.4% of Green Dot shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

X Financial has a net margin of 9.94% compared to Green Dot's net margin of -1.14%. X Financial's return on equity of 9.14% beat Green Dot's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
X Financial	9.94%	9.14%	5.20%
Green Dot	-1.14%	6.92%	1.04%

X Financial has a beta of 0.53, indicating that its share price is 47% less volatile than the broader market. Comparatively, Green Dot has a beta of 0.82, indicating that its share price is 18% less volatile than the broader market.

In the previous week, Green Dot had 4 more articles in the media than X Financial. MarketBeat recorded 5 mentions for Green Dot and 1 mentions for X Financial. Green Dot's average media sentiment score of 0.76 beat X Financial's score of 0.00 indicating that Green Dot is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
X Financial	0 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
Green Dot	1 Very Positive mention(s)	2 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Green Dot has a consensus price target of $16.13, indicating a potential upside of 31.53%. Given Green Dot's higher probable upside, analysts plainly believe Green Dot 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
Green Dot	2 Sell rating(s)	2 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	1.80

Summary

X Financial beats Green Dot on 9 of the 16 factors compared between the two stocks.

How does X Financial compare to OppFi?

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

OppFi has a consensus target price of $10.50, indicating a potential upside of 67.06%. Given OppFi's stronger consensus rating and higher probable upside, analysts clearly believe OppFi 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
OppFi	1 Sell rating(s)	3 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.17

1.1% of X Financial shares are owned by institutional investors. Comparatively, 7.1% of OppFi shares are owned by institutional investors. 31.6% of X Financial shares are owned by insiders. Comparatively, 70.2% of OppFi shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

X Financial has a beta of 0.53, suggesting that its share price is 47% less volatile than the broader market. Comparatively, OppFi has a beta of 1.76, suggesting that its share price is 76% more volatile than the broader market.

OppFi has a net margin of 16.64% compared to X Financial's net margin of 9.94%. OppFi's return on equity of 30.89% beat X Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
X Financial	9.94%	9.14%	5.20%
OppFi	16.64%	30.89%	13.99%

In the previous week, OppFi had 1 more articles in the media than X Financial. MarketBeat recorded 2 mentions for OppFi and 1 mentions for X Financial. X Financial's average media sentiment score of 0.00 beat OppFi's score of -0.52 indicating that X Financial is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
X Financial	0 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
OppFi	0 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	1 Very Negative mention(s)	Negative

X Financial has higher revenue and earnings than OppFi. X Financial is trading at a lower price-to-earnings ratio than OppFi, 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	$5.60B	0.04	$209.43M	$1.96	2.65
OppFi	$611.39M	0.88	$26.33M	$1.89	3.33

Summary

OppFi beats X Financial on 12 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	Consumer Finance Industry	Finance Sector	NYSE Exchange
Market Cap	$205.59M	$6.87B	$13.76B	$22.98B
Dividend Yield	10.42%	12.84%	6.00%	3.68%
P/E Ratio	2.65	8.58	24.57	28.00
Price / Sales	0.04	63.70	509.60	88.74
Price / Cash	0.95	11.21	49.55	41.27
Price / Book	0.18	2.49	2.71	4.66
Net Income	$209.43M	$442.63M	$1.32B	$1.07B
7 Day Performance	4.91%	-2.31%	-0.52%	-1.12%
1 Month Performance	-3.40%	-5.56%	-1.91%	-5.10%
1 Year Performance	-60.98%	-0.13%	7.75%	7.73%

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	1.8011 of 5 stars	$5.19 -0.5%	N/A	-61.0%	$205.59M	$5.60B	2.65	643	News Coverage
WRLD World Acceptance	1.8332 of 5 stars	$172.99 +1.1%	N/A	-6.7%	$806.13M	$585.74M	20.45	2,907	News Coverage Positive News
FINV PPDAI Group	3.1359 of 5 stars	$3.25 -0.2%	$4.10 +26.3%	-58.8%	$789.48M	$1.94B	3.06	3,869
PRAA PRA Group	2.5839 of 5 stars	$20.58 -0.1%	$26.00 +26.3%	+28.7%	$774.84M	$1.20B	N/A	2,615	News Coverage Analyst Upgrade
GDOT Green Dot	2.242 of 5 stars	$13.23 +0.6%	$16.13 +21.9%	-13.5%	$754.09M	$2.08B	N/A	900	News Coverage

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This page (NYSE:XYF) was last updated on 9/27/2026 by MarketBeat.com Staff.

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X Financial (XYF) Competitors

XYF vs. WRLD, FINV, PRAA, GDOT, and OPFI

How does X Financial compare to World Acceptance?

Summary

How does X Financial compare to PPDAI Group?

Summary

How does X Financial compare to PRA Group?

Summary

How does X Financial compare to Green Dot?

Summary

How does X Financial compare to OppFi?

Summary

New MarketBeat Followers Over Time

Media Sentiment Over Time

XYF vs. The Competition

X Financial Competitors List

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X Financial (XYF) Competitors

XYF vs. WRLD, FINV, PRAA, GDOT, and OPFI

How does X Financial compare to World Acceptance?

Do analysts rate WRLD or XYF?

Does the media refer more to WRLD or XYF?

Do institutionals & insiders hold more shares of WRLD or XYF?

Which has preferable valuation & earnings, WRLD or XYF?

Which has more risk and volatility, WRLD or XYF?

Is WRLD or XYF more profitable?

Summary

How does X Financial compare to PPDAI Group?

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

Is XYF or FINV a better dividend stock?

Do analysts rate XYF or FINV?

Is XYF or FINV more profitable?

Which has more risk & volatility, XYF or FINV?

Does the media refer more to XYF or FINV?

Which has better valuation & earnings, XYF or FINV?

Summary

How does X Financial compare to PRA Group?

Is PRAA or XYF more profitable?

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

Does the media favor PRAA or XYF?

Which has more risk & volatility, PRAA or XYF?

Do analysts recommend PRAA or XYF?

Which has higher valuation & earnings, PRAA or XYF?

Summary

How does X Financial compare to Green Dot?

Which has higher earnings and valuation, XYF or GDOT?

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

Is XYF or GDOT more profitable?

Which has more risk and volatility, XYF or GDOT?

Does the media prefer XYF or GDOT?

Do analysts recommend XYF or GDOT?

Summary

How does X Financial compare to OppFi?

Do analysts recommend XYF or OPFI?

Do insiders and institutionals believe in XYF or OPFI?

Which has more volatility and risk, XYF or OPFI?

Is XYF or OPFI more profitable?

Does the media refer more to XYF or OPFI?

Which has better earnings and valuation, XYF or OPFI?

Summary

New MarketBeat Followers Over Time

Media Sentiment Over Time

XYF vs. The Competition

X Financial Competitors List

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