XYF vs. MFIN, CPSS, SNFCA, HIVE, OPRT, CNF, BTM, BCG, LX, and ARBK
Should you be buying X Financial stock or one of its competitors? The main competitors of X Financial include Medallion Financial (MFIN), Consumer Portfolio Services (CPSS), Security National Financial (SNFCA), HIVE Digital Technologies (HIVE), Oportun Financial (OPRT), CNFinance (CNF), Bitcoin Depot (BTM), Binah Capital Group (BCG), LexinFintech (LX), and Argo Blockchain (ARBK). These companies are all part of the "nondepository credit institutions" industry.
Medallion Financial (NASDAQ:MFIN) 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 analyst recommendations, media sentiment, community ranking, institutional ownership, valuation, earnings, risk, profitability and dividends.
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 news media.
40.6% of Medallion Financial shares are held by institutional investors. Comparatively, 1.2% of X Financial shares are held by institutional investors. 22.4% of Medallion Financial 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 endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.
Medallion Financial has a beta of 2.08, suggesting that its share price is 108% more volatile than the S&P 500. Comparatively, X Financial has a beta of 0.25, suggesting that its share price is 75% less volatile than the S&P 500.
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 pays an annual dividend of $0.40 per share and has a dividend yield of 5.0%. X Financial pays an annual dividend of $0.32 per share and has a dividend yield of 8.1%. Medallion Financial pays out 18.9% of its earnings in the form of a dividend. X Financial pays out 9.5% 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 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.
Medallion Financial currently has a consensus price target of $12.00, suggesting a potential upside of 50.75%. Given X Financial's higher probable upside, equities research analysts plainly believe Medallion Financial is more favorable than X Financial.
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.
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 XYF 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 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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