Do analysts rate NAVI or XYF?

Navient presently has a consensus target price of $9.14, suggesting a potential downside of 0.30%. Given Navient's higher possible upside, analysts clearly believe Navient is more favorable than X Financial. Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Navient 4 Sell rating(s) 5 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 1.56 X Financial 0 Sell rating(s) 1 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 2.00

Is NAVI or XYF more profitable?

X Financial has a net margin of 15.06% compared to Navient's net margin of -1.64%. X Financial's return on equity of 14.38% beat Navient's return on equity. Company Net Margins Return on Equity Return on Assets Navient -1.64% 4.68% 0.23% X Financial 15.06% 14.38% 7.93%

Does the media favor NAVI or XYF?

In the previous week, Navient had 6 more articles in the media than X Financial. MarketBeat recorded 7 mentions for Navient and 1 mentions for X Financial. Navient's average media sentiment score of 0.78 beat X Financial's score of 0.00 indicating that Navient is being referred to more favorably in the media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment Navient 1 Very Positive mention(s) 2 Positive mention(s) 2 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) 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 GDOT or XYF?

Green Dot currently has a consensus price target of $16.13, suggesting a potential upside of 19.36%. 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 Green Dot 1 Sell rating(s) 3 Hold rating(s) 1 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

Is GDOT or XYF more profitable?

X Financial has a net margin of 15.06% compared to Green Dot's net margin of -1.14%. X Financial's return on equity of 14.38% 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 15.06% 14.38% 7.93%

Does the media refer more to GDOT or XYF?

In the previous week, Green Dot had 6 more articles in the media than X Financial. MarketBeat recorded 7 mentions for Green Dot and 1 mentions for X Financial. X Financial's average media sentiment score of 0.00 beat Green Dot's score of -0.17 indicating that X Financial is being referred to more favorably in the news media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment Green Dot 1 Very Positive mention(s) 1 Positive mention(s) 4 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 PRAA?

PRA Group has a consensus target price of $26.00, suggesting a potential upside of 26.21%. Given PRA Group's stronger consensus rating and higher probable upside, analysts plainly believe PRA 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 PRA Group 1 Sell rating(s) 2 Hold rating(s) 1 Buy rating(s) 1 Strong Buy rating(s) 2.40

Is XYF or PRAA more profitable?

X Financial has a net margin of 15.06% 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 X Financial 15.06% 14.38% 7.93% PRA Group -19.91% 15.56% 3.18%

Does the media favor XYF or PRAA?

In the previous week, PRA Group had 9 more articles in the media than X Financial. MarketBeat recorded 10 mentions for PRA Group and 1 mentions for X Financial. PRA Group's average media sentiment score of 0.99 beat X Financial's score of 0.00 indicating that PRA Group 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 PRA Group 2 Very Positive mention(s) 4 Positive mention(s) 2 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive

Do analysts rate OPFI or XYF?

OppFi presently has a consensus target price of $10.25, indicating a potential upside of 43.18%. Given OppFi's stronger consensus rating and higher probable upside, equities analysts clearly believe OppFi is more favorable than X Financial. Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score OppFi 0 Sell rating(s) 3 Hold rating(s) 2 Buy rating(s) 0 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 earnings & valuation, OPFI or XYF?

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 OppFi $597.05M 1.02 $26.33M $1.89 3.79 X Financial $1.09B 0.19 $209.43M $3.45 1.57

Is OPFI or XYF more profitable?

OppFi has a net margin of 16.64% compared to X Financial's net margin of 15.06%. OppFi's return on equity of 30.89% beat X Financial's return on equity. Company Net Margins Return on Equity Return on Assets OppFi 16.64% 30.89% 13.99% X Financial 15.06% 14.38% 7.93%

Does the media refer more to OPFI or XYF?

In the previous week, OppFi had 43 more articles in the media than X Financial. MarketBeat recorded 44 mentions for OppFi and 1 mentions for X Financial. X Financial's average media sentiment score of 0.00 beat OppFi's score of -0.10 indicating that X Financial is being referred to more favorably in the news media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment OppFi 8 Very Positive mention(s) 3 Positive mention(s) 10 Neutral mention(s) 5 Negative mention(s) 1 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 prefer XYF or TREE?

LendingTree has a consensus price target of $61.33, suggesting a potential upside of 88.20%. Given LendingTree's stronger consensus rating and higher probable upside, analysts plainly believe LendingTree 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 LendingTree 0 Sell rating(s) 2 Hold rating(s) 5 Buy rating(s) 0 Strong Buy rating(s) 2.71

Does the media prefer XYF or TREE?

In the previous week, LendingTree had 3 more articles in the media than X Financial. MarketBeat recorded 4 mentions for LendingTree and 1 mentions for X Financial. LendingTree's average media sentiment score of 0.64 beat X Financial's score of 0.00 indicating that LendingTree 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 LendingTree 1 Very Positive mention(s) 0 Positive mention(s) 2 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive

X Financial (XYF) Competitors

$5.41 -0.15 (-2.70%)

Closing price 08/14/2026 03:59 PM Eastern

Extended Trading

$5.42 +0.00 (+0.09%)

As of 08/14/2026 07:34 PM Eastern

Compare

XYF vs. NAVI, GDOT, PRAA, OPFI, and TREE

Should you buy X Financial stock or one of its competitors? X Financial's main competitors and comparable companies include Navient (NAVI), Green Dot (GDOT), PRA Group (PRAA), OppFi (OPFI), and LendingTree (TREE). 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?

Navient (NASDAQ:NAVI) 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 profitability, valuation, risk, institutional ownership, media sentiment, earnings, analyst recommendations and dividends.

In the previous week, Navient had 6 more articles in the media than X Financial. MarketBeat recorded 7 mentions for Navient and 1 mentions for X Financial. Navient's average media sentiment score of 0.78 beat X Financial's score of 0.00 indicating that Navient is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Navient	1 Very Positive mention(s)	2 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	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

Navient has a beta of 1.18, meaning that its stock price is 18% more volatile than the broader market. Comparatively, X Financial has a beta of 0.46, meaning that its stock price is 54% less volatile than the broader market.

97.1% of Navient shares are owned by institutional investors. Comparatively, 1.2% of X Financial shares are owned by institutional investors. 33.8% of Navient 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 hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

X Financial has lower revenue, but higher earnings 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.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Navient	$3.20B	0.27	-$80M	-$0.50	N/A
X Financial	$1.09B	0.19	$209.43M	$3.45	1.57

Navient presently has a consensus target price of $9.14, suggesting a potential downside of 0.30%. Given Navient's higher possible upside, analysts clearly believe Navient is more favorable than X Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Navient	4 Sell rating(s)	5 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	1.56
X Financial	0 Sell rating(s)	1 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00

X Financial has a net margin of 15.06% compared to Navient's net margin of -1.64%. X Financial's return on equity of 14.38% beat Navient's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Navient	-1.64%	4.68%	0.23%
X Financial	15.06%	14.38%	7.93%

Navient pays an annual dividend of $0.64 per share and has a dividend yield of 7.0%. X Financial pays an annual dividend of $0.54 per share and has a dividend yield of 10.0%. Navient pays out -128.0% of its earnings in the form of a dividend. X Financial pays out 15.7% 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.

Summary

Navient beats X Financial on 9 of the 17 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 investment? We will contrast the two businesses based on the strength of their profitability, media sentiment, risk, institutional ownership, valuation, dividends, earnings and analyst recommendations.

Green Dot has a beta of 0.84, suggesting that its stock price is 16% less volatile than the broader market. Comparatively, X Financial has a beta of 0.46, suggesting that its stock price is 54% less volatile than the broader market.

In the previous week, Green Dot had 6 more articles in the media than X Financial. MarketBeat recorded 7 mentions for Green Dot and 1 mentions for X Financial. X Financial's average media sentiment score of 0.00 beat Green Dot's score of -0.17 indicating that X Financial is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Green Dot	1 Very Positive mention(s)	1 Positive mention(s)	4 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

92.6% of Green Dot shares are held by institutional investors. Comparatively, 1.2% of X Financial shares are held by institutional investors. 1.4% of Green Dot 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 will outperform the market over the long term.

Green Dot currently has a consensus price target of $16.13, suggesting a potential upside of 19.36%. 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
Green Dot	1 Sell rating(s)	3 Hold rating(s)	1 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 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.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Green Dot	$2.08B	0.37	-$98.87M	-$0.51	N/A
X Financial	$1.09B	0.19	$209.43M	$3.45	1.57

X Financial has a net margin of 15.06% compared to Green Dot's net margin of -1.14%. X Financial's return on equity of 14.38% 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	15.06%	14.38%	7.93%

Summary

X Financial beats Green Dot on 8 of the 15 factors compared between the two stocks.

How does X Financial compare to PRA Group?

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

X Financial has a beta of 0.46, indicating that its stock price is 54% less volatile than the broader market. Comparatively, PRA Group has a beta of 1.11, indicating that its stock price is 11% more volatile than the broader market.

X Financial has higher earnings, but lower revenue 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
X Financial	$1.09B	0.19	$209.43M	$3.45	1.57
PRA Group	$1.20B	0.65	-$305.14M	-$6.73	N/A

X Financial has a net margin of 15.06% 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
X Financial	15.06%	14.38%	7.93%
PRA Group	-19.91%	15.56%	3.18%

PRA Group has a consensus target price of $26.00, suggesting a potential upside of 26.21%. Given PRA Group's stronger consensus rating and higher probable upside, analysts plainly believe PRA 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
PRA Group	1 Sell rating(s)	2 Hold rating(s)	1 Buy rating(s)	1 Strong Buy rating(s)	2.40

In the previous week, PRA Group had 9 more articles in the media than X Financial. MarketBeat recorded 10 mentions for PRA Group and 1 mentions for X Financial. PRA Group's average media sentiment score of 0.99 beat X Financial's score of 0.00 indicating that PRA Group 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
PRA Group	2 Very Positive mention(s)	4 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

1.2% of X Financial shares are owned by institutional investors. Comparatively, 97.2% of PRA Group shares are owned by institutional investors. 31.6% of X Financial shares are owned by company insiders. Comparatively, 2.2% of PRA Group shares are owned by company 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.

Summary

PRA Group beats X Financial on 11 of the 17 factors compared between the two stocks.

How does X Financial compare to OppFi?

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

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
OppFi	$597.05M	1.02	$26.33M	$1.89	3.79
X Financial	$1.09B	0.19	$209.43M	$3.45	1.57

OppFi presently has a consensus target price of $10.25, indicating a potential upside of 43.18%. Given OppFi's stronger consensus rating and higher probable upside, equities analysts clearly believe OppFi is more favorable than X Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
OppFi	0 Sell rating(s)	3 Hold rating(s)	2 Buy rating(s)	0 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

In the previous week, OppFi had 43 more articles in the media than X Financial. MarketBeat recorded 44 mentions for OppFi and 1 mentions for X Financial. X Financial's average media sentiment score of 0.00 beat OppFi's score of -0.10 indicating that X Financial is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
OppFi	8 Very Positive mention(s)	3 Positive mention(s)	10 Neutral mention(s)	5 Negative mention(s)	1 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

OppFi has a beta of 1.77, suggesting that its share price is 77% more volatile than the broader market. Comparatively, X Financial has a beta of 0.46, suggesting that its share price is 54% less volatile than the broader market.

7.1% of OppFi shares are owned by institutional investors. Comparatively, 1.2% of X Financial shares are owned by institutional investors. 70.2% of OppFi 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 endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

OppFi has a net margin of 16.64% compared to X Financial's net margin of 15.06%. OppFi's return on equity of 30.89% beat X Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
OppFi	16.64%	30.89%	13.99%
X Financial	15.06%	14.38%	7.93%

Summary

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

How does X Financial compare to LendingTree?

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

In the previous week, LendingTree had 3 more articles in the media than X Financial. MarketBeat recorded 4 mentions for LendingTree and 1 mentions for X Financial. LendingTree's average media sentiment score of 0.64 beat X Financial's score of 0.00 indicating that LendingTree 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
LendingTree	1 Very Positive mention(s)	0 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

1.2% of X Financial shares are owned by institutional investors. Comparatively, 68.3% of LendingTree shares are owned by institutional investors. 31.6% of X Financial shares are owned by insiders. Comparatively, 4.0% of LendingTree shares are owned by 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.

X Financial has a net margin of 15.06% compared to LendingTree's net margin of 14.33%. LendingTree's return on equity of 14.57% beat X Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
X Financial	15.06%	14.38%	7.93%
LendingTree	14.33%	14.57%	4.49%

X Financial has a beta of 0.46, suggesting that its stock price is 54% less volatile than the broader market. Comparatively, LendingTree has a beta of 2.04, suggesting that its stock price is 104% more volatile than the broader market.

LendingTree has a consensus price target of $61.33, suggesting a potential upside of 88.20%. Given LendingTree's stronger consensus rating and higher probable upside, analysts plainly believe LendingTree 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
LendingTree	0 Sell rating(s)	2 Hold rating(s)	5 Buy rating(s)	0 Strong Buy rating(s)	2.71

X Financial has higher earnings, but lower revenue than LendingTree. X Financial is trading at a lower price-to-earnings ratio than LendingTree, 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	$1.09B	0.19	$209.43M	$3.45	1.57
LendingTree	$1.12B	0.41	$151.31M	$12.90	2.53

Summary

LendingTree 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

Export

Metric	X Financial	Consumer Finance Industry	Finance Sector	NYSE Exchange
Market Cap	$211.85M	$7.56B	$14.17B	$24.33B
Dividend Yield	10.04%	12.23%	5.87%	3.68%
P/E Ratio	1.57	9.28	29.40	30.78
Price / Sales	0.19	68.87	517.54	24.81
Price / Cash	0.98	11.87	37.26	32.61
Price / Book	0.19	2.77	2.81	6.82
Net Income	$209.43M	$434.78M	$1.31B	$1.06B
7 Day Performance	1.67%	1.31%	0.77%	0.55%
1 Month Performance	15.16%	0.54%	1.56%	2.90%
1 Year Performance	-59.63%	9.67%	12.52%	19.10%

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	1.8631 of 5 stars	$5.41 -2.7%	N/A	-61.5%	$211.85M	$1.09B	1.57	420
NAVI Navient	1.8179 of 5 stars	$8.54 +0.8%	$9.14 +7.1%	-30.3%	$802.68M	$3.20B	N/A	2,100	Dividend Announcement
GDOT Green Dot	2.8381 of 5 stars	$13.41 +1.1%	$16.13 +20.2%	-2.3%	$760.14M	$2.08B	N/A	1,150	Earnings Report Gap Down
PRAA PRA Group	3.455 of 5 stars	$18.74 -1.2%	$26.00 +38.7%	+24.8%	$714.74M	$1.20B	N/A	2,615	Analyst Upgrade
OPFI OppFi	4.8165 of 5 stars	$6.58 -25.0%	$10.25 +55.8%	-32.2%	$561.61M	$597.05M	7.07	570	Trending News Earnings Report Analyst Forecast Insider Trade Analyst Revision Gap Up High Trading Volume

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This page (NYSE:XYF) was last updated on 8/15/2026 by MarketBeat.com Staff.

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X Financial (XYF) Competitors

XYF vs. NAVI, GDOT, PRAA, OPFI, and TREE

How does X Financial compare to Navient?

Summary

How does X Financial compare to Green Dot?

Summary

How does X Financial compare to PRA Group?

Summary

How does X Financial compare to OppFi?

Summary

How does X Financial compare to LendingTree?

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. NAVI, GDOT, PRAA, OPFI, and TREE

How does X Financial compare to Navient?

Does the media favor NAVI or XYF?

Which has more risk & volatility, NAVI or XYF?

Do institutionals and insiders hold more shares of NAVI or XYF?

Which has higher valuation and earnings, NAVI or XYF?

Do analysts rate NAVI or XYF?

Is NAVI or XYF more profitable?

Is NAVI or XYF a better dividend stock?

Summary

How does X Financial compare to Green Dot?

Which has more risk & volatility, GDOT or XYF?

Does the media refer more to GDOT or XYF?

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

Do analysts rate GDOT or XYF?

Which has higher earnings & valuation, GDOT or XYF?

Is GDOT or XYF more profitable?

Summary

How does X Financial compare to PRA Group?

Which has more risk and volatility, XYF or PRAA?

Which has higher earnings & valuation, XYF or PRAA?

Is XYF or PRAA more profitable?

Do analysts recommend XYF or PRAA?

Does the media favor XYF or PRAA?

Do insiders & institutionals believe in XYF or PRAA?

Summary

How does X Financial compare to OppFi?

Which has higher earnings & valuation, OPFI or XYF?

Do analysts rate OPFI or XYF?

Does the media refer more to OPFI or XYF?

Which has more risk and volatility, OPFI or XYF?

Do institutionals & insiders believe in OPFI or XYF?

Is OPFI or XYF more profitable?

Summary

How does X Financial compare to LendingTree?

Does the media prefer XYF or TREE?

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

Is XYF or TREE more profitable?

Which has more volatility and risk, XYF or TREE?

Do analysts prefer XYF or TREE?

Which has better valuation and earnings, XYF or TREE?

Summary

New MarketBeat Followers Over Time

Media Sentiment Over Time

XYF vs. The Competition

X Financial Competitors List

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