X Financial (XYF) Competitors

X Financial (NYSE:XYF) and Park National (NYSE:PRK) are both finance companies, but which is the better stock? We will compare the two companies based on the strength of their analyst recommendations, risk, profitability, valuation, dividends, institutional ownership, earnings and media sentiment.

Is XYF or PRK a better dividend stock?

X Financial pays an annual dividend of $0.48 per share and has a dividend yield of 2.5%. Park National pays an annual dividend of $4.28 per share and has a dividend yield of 2.4%. X Financial pays out 10.0% of its earnings in the form of a dividend. Park National pays out 43.9% 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. Park National has raised its dividend for 8 consecutive years. X Financial is clearly the better dividend stock, given its higher yield and lower payout ratio.

Is XYF or PRK more profitable?

X Financial has a net margin of 24.76% compared to Park National's net margin of 23.46%. X Financial's return on equity of 23.30% beat Park National's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
X Financial	24.76%	23.30%	13.70%
Park National	23.46%	12.31%	1.50%

Which has more volatility & risk, XYF or PRK?

X Financial has a beta of 0.2, meaning that its stock price is 80% less volatile than the S&P 500. Comparatively, Park National has a beta of 0.82, meaning that its stock price is 18% less volatile than the S&P 500.

Do analysts rate XYF or PRK?

Park National has a consensus price target of $177.75, indicating a potential upside of 0.84%. Given Park National's stronger consensus rating and higher possible upside, analysts plainly believe Park National 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)	0.00
Park National	0 Sell rating(s)	2 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00

Does the media prefer XYF or PRK?

In the previous week, Park National had 29 more articles in the media than X Financial. MarketBeat recorded 31 mentions for Park National and 2 mentions for X Financial. X Financial's average media sentiment score of 1.43 beat Park National's score of 0.02 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	1 Very Positive mention(s)	1 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Park National	4 Very Positive mention(s)	2 Positive mention(s)	18 Neutral mention(s)	2 Negative mention(s)	5 Very Negative mention(s)	Neutral

Do insiders & institutionals believe in XYF or PRK?

1.2% of X Financial shares are held by institutional investors. Comparatively, 62.7% of Park National shares are held by institutional investors. 31.6% of X Financial shares are held by company insiders. Comparatively, 2.7% of Park National shares are held by company 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.

Which has higher earnings and valuation, XYF or PRK?

X Financial has higher revenue and earnings than Park National. X Financial is trading at a lower price-to-earnings ratio than Park National, 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	$804.43M	0.99	$210.97M	$4.80	3.99
Park National	$528.91M	5.40	$151.42M	$9.74	18.10

Summary

X Financial and Park National tied by winning 9 of the 18 factors compared between the two stocks.