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X Financial (XYF) Competitors

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$5.51 -0.06 (-1.08%)
As of 09/4/2026 03:58 PM Eastern

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

Should you buy X Financial stock or one of its competitors? X Financial's main competitors and comparable companies include Navient (NAVI), World Acceptance (WRLD), PPDAI Group (FINV), Green Dot (GDOT), and PRA Group (PRAA). 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 Navient?

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

X Financial has a net margin of 9.94% compared to Navient's net margin of -1.64%. X Financial's return on equity of 9.14% beat Navient's return on equity.

Company Net Margins Return on Equity Return on Assets
X Financial9.94% 9.14% 5.20%
Navient -1.64%4.68%0.23%

X Financial has higher earnings, but lower revenue than Navient. Navient 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 Ratio
X Financial$1.09B0.20$209.43M$1.962.81
Navient$3.20B0.28-$80M-$0.50N/A

X Financial pays an annual dividend of $0.54 per share and has a dividend yield of 9.8%. Navient pays an annual dividend of $0.64 per share and has a dividend yield of 6.6%. X Financial pays out 27.6% of its earnings in the form of a dividend. Navient pays out -128.0% 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.

In the previous week, Navient had 3 more articles in the media than X Financial. MarketBeat recorded 3 mentions for Navient and 0 mentions for X Financial. Navient's average media sentiment score of 1.80 beat X Financial's score of 0.00 indicating that Navient is being referred to more favorably in the news media.

Company Overall Sentiment
X Financial Neutral
Navient Very Positive

Navient has a consensus target price of $9.14, indicating a potential downside of 5.06%. Given Navient's higher probable upside, analysts plainly believe Navient 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
Navient
4 Sell rating(s)
5 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
1.56

1.2% of X Financial shares are held by institutional investors. Comparatively, 97.1% of Navient shares are held by institutional investors. 31.6% of X Financial shares are held by insiders. Comparatively, 33.8% of Navient shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

X Financial has a beta of 0.53, suggesting that its stock price is 47% less volatile than the broader market. Comparatively, Navient has a beta of 1.18, suggesting that its stock price is 18% more volatile than the broader market.

Summary

Navient beats X Financial on 9 of the 17 factors compared between the two stocks.

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 superior investment? We will compare the two companies based on the strength of their valuation, risk, dividends, earnings, media sentiment, analyst recommendations, institutional ownership and profitability.

World Acceptance has a beta of 1.14, suggesting that its stock price is 14% more volatile than the broader market. Comparatively, X Financial has a beta of 0.53, suggesting 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 Acceptance6.71% 12.13% 4.00%
X Financial 9.94%9.14%5.20%

83.6% of World Acceptance shares are held by institutional investors. Comparatively, 1.2% of X Financial shares are held by institutional investors. 38.0% of World Acceptance shares are held by insiders. Comparatively, 31.6% of X Financial shares are held by 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.

In the previous week, World Acceptance had 4 more articles in the media than X Financial. MarketBeat recorded 4 mentions for World Acceptance and 0 mentions for X Financial. World Acceptance's average media sentiment score of 1.78 beat X Financial's score of 0.00 indicating that World Acceptance is being referred to more favorably in the media.

Company Overall Sentiment
World Acceptance Very Positive
X Financial Neutral

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

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.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
World Acceptance$585.74M1.52$34.59M$8.4622.52
X Financial$1.09B0.20$209.43M$1.962.81

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?

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

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

31.2% of PPDAI Group shares are held by institutional investors. Comparatively, 1.2% of X Financial shares are held by institutional investors. 44.0% of PPDAI Group shares are held by insiders. Comparatively, 31.6% of X Financial shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

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
PPDAI Group14.49% 12.31% 7.95%
X Financial 9.94%9.14%5.20%

In the previous week, PPDAI Group had 4 more articles in the media than X Financial. MarketBeat recorded 4 mentions for PPDAI Group and 0 mentions for X Financial. X Financial's average media sentiment score of 0.00 beat PPDAI Group's score of -0.21 indicating that X Financial is being referred to more favorably in the news media.

Company Overall Sentiment
PPDAI Group Neutral
X Financial Neutral

PPDAI Group presently has a consensus price target of $4.10, suggesting a potential upside of 21.30%. Given PPDAI Group's higher probable upside, equities analysts plainly believe PPDAI Group is more favorable than X Financial.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
PPDAI Group
1 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
1.50
X Financial
0 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00

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.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
PPDAI Group$1.94B0.42$363.56M$1.063.19
X Financial$1.09B0.20$209.43M$1.962.81

Summary

PPDAI Group beats X Financial on 11 of the 15 factors compared between the two stocks.

How does X Financial compare to Green Dot?

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

Green Dot presently has a consensus price target of $16.13, indicating a potential upside of 20.52%. Given Green Dot's higher probable upside, equities research analysts plainly believe Green Dot is more favorable than X Financial.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Green Dot
2 Sell rating(s)
2 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
1.80
X Financial
0 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00

92.6% of Green Dot shares are owned by institutional investors. Comparatively, 1.2% of X Financial shares are owned by institutional investors. 1.4% of Green Dot shares are owned by insiders. Comparatively, 31.6% of X Financial shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

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

X Financial has lower revenue, but higher 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.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Green Dot$2.27B0.34-$98.87M-$0.51N/A
X Financial$1.09B0.20$209.43M$1.962.81

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
Green Dot-1.14% 6.92% 1.04%
X Financial 9.94%9.14%5.20%

In the previous week, Green Dot had 2 more articles in the media than X Financial. MarketBeat recorded 2 mentions for Green Dot and 0 mentions for X Financial. Green Dot's average media sentiment score of 1.39 beat X Financial's score of 0.00 indicating that Green Dot is being referred to more favorably in the media.

Company Overall Sentiment
Green Dot Positive
X Financial Neutral

Summary

Green Dot and X Financial tied by winning 8 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 better stock? We will compare the two businesses based on the strength of their profitability, earnings, dividends, media sentiment, risk, valuation, institutional ownership and analyst recommendations.

PRA Group currently has a consensus price target of $26.00, suggesting a potential upside of 36.70%. Given PRA Group's stronger consensus rating and higher possible 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

97.2% of PRA Group shares are held by institutional investors. Comparatively, 1.2% of X Financial shares are held by institutional investors. 2.2% of PRA Group 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 hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

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

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%

In the previous week, PRA Group had 6 more articles in the media than X Financial. MarketBeat recorded 6 mentions for PRA Group and 0 mentions for X Financial. PRA Group's average media sentiment score of 1.02 beat X Financial's score of 0.00 indicating that PRA Group is being referred to more favorably in the media.

Company Overall Sentiment
PRA Group Positive
X Financial Neutral

X Financial has lower revenue, but higher 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.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
PRA Group$1.34B0.53-$305.14M-$6.73N/A
X Financial$1.09B0.20$209.43M$1.962.81

Summary

PRA Group beats X Financial on 11 of the 17 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.
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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.
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XYF vs. The Competition

MetricX FinancialConsumer Finance IndustryFinance SectorNYSE Exchange
Market Cap$216.15M$7.43B$14.00B$23.65B
Dividend Yield9.84%12.63%5.89%3.72%
P/E Ratio2.819.3126.1829.33
Price / Sales0.2070.28513.9517.00
Price / Cash1.0011.7439.9633.54
Price / Book0.192.752.137.61
Net Income$209.43M$442.63M$1.32B$1.07B
7 Day Performance0.73%-0.47%3.84%-0.05%
1 Month Performance4.93%-2.00%1.69%0.08%
1 Year Performance-61.76%5.66%11.19%12.82%

X Financial Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
XYF
X Financial
2.2948 of 5 stars
$5.51
-1.1%
N/A-61.8%$216.15M$1.09B2.81420
NAVI
Navient
2.2218 of 5 stars
$9.28
-2.4%
$9.14
-1.5%
-29.9%$870.28M$3.20BN/A2,100
WRLD
World Acceptance
1.4883 of 5 stars
$180.31
-1.9%
N/A+10.1%$840.25M$585.74M21.312,907
FINV
PPDAI Group
2.6465 of 5 stars
$3.32
-9.5%
$4.10
+23.5%
-57.4%$807.72M$1.94B3.133,869
GDOT
Green Dot
2.2607 of 5 stars
$13.12
-1.3%
$16.13
+22.9%
-2.4%$747.71M$2.08BN/A1,150

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This page (NYSE:XYF) was last updated on 9/6/2026 by MarketBeat.com Staff.
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