MFIN vs. XYF, SNFCA, CPSS, OPRT, HIVE, CNF, BTM, BCG, ARBK, and LX
Should you be buying Medallion Financial stock or one of its competitors? The main competitors of Medallion Financial include X Financial (XYF), Security National Financial (SNFCA), Consumer Portfolio Services (CPSS), Oportun Financial (OPRT), HIVE Digital Technologies (HIVE), CNFinance (CNF), Bitcoin Depot (BTM), Binah Capital Group (BCG), Argo Blockchain (ARBK), and LexinFintech (LX). These companies are all part of the "nondepository credit institutions" industry.
X Financial (NYSE:XYF) and Medallion Financial (NASDAQ:MFIN) are both small-cap finance companies, but which is the better stock? We will compare the two businesses based on the strength of their risk, valuation, profitability, earnings, media sentiment, dividends, analyst recommendations, community ranking and institutional ownership.
Medallion Financial received 127 more outperform votes than X Financial when rated by MarketBeat users. Likewise, 60.66% of users gave Medallion Financial an outperform vote while only 58.11% of users gave X Financial an outperform vote.
X Financial has a beta of 0.25, suggesting that its stock price is 75% less volatile than the S&P 500. Comparatively, Medallion Financial has a beta of 2.08, suggesting that its stock price is 108% more volatile than the S&P 500.
In the previous week, X Financial had 2 more articles in the media than Medallion Financial. MarketBeat recorded 3 mentions for X Financial and 1 mentions for Medallion Financial. Medallion Financial's average media sentiment score of 0.56 beat X Financial's score of 0.00 indicating that X Financial is being referred to more favorably in the media.
1.2% of X Financial shares are owned by institutional investors. Comparatively, 40.6% of Medallion Financial shares are owned by institutional investors. 31.6% of X Financial shares are owned by insiders. Comparatively, 22.4% of Medallion Financial shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.
X Financial has higher revenue and earnings than Medallion Financial. X Financial is trading at a lower price-to-earnings ratio than Medallion Financial, indicating that it is currently the more affordable of the two stocks.
X Financial pays an annual dividend of $0.32 per share and has a dividend yield of 8.1%. Medallion Financial pays an annual dividend of $0.40 per share and has a dividend yield of 5.0%. X Financial pays out 9.5% of its earnings in the form of a dividend. Medallion Financial pays out 18.9% 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. Medallion Financial has raised its dividend for 2 consecutive years. X Financial is clearly the better dividend stock, given its higher yield and lower payout ratio.
X Financial has a net margin of 24.64% compared to X Financial's net margin of 17.96%. Medallion Financial's return on equity of 22.42% beat X Financial's return on equity.
Medallion Financial has a consensus price target of $12.00, suggesting a potential upside of 50.75%. Given X Financial's higher probable upside, analysts clearly believe Medallion Financial is more favorable than X Financial.
Summary
X Financial beats Medallion Financial on 11 of the 20 factors compared between the two stocks.
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This chart shows the number of new MarketBeat users adding MFIN and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
This chart shows the average media sentiment of NASDAQ 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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