X Financial (XYF) Competitors $15.20 +0.37 (+2.49%) Closing price 08/29/2025 03:58 PM EasternExtended Trading$15.20 0.00 (0.00%) As of 08/29/2025 04:10 PM Eastern Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more. Add Compare Share Share Competitors Stock AnalysisChartCompetitorsDividendEarningsFinancialsHeadlinesOwnershipSEC FilingsShort InterestTrendsBuy This Stock XYF vs. PGY, CIFR, HUT, FINV, PPBI, CUBI, NTB, CMPO, NIC, and PWPShould you be buying X Financial stock or one of its competitors? The main competitors of X Financial include Pagaya Technologies (PGY), Cipher Mining (CIFR), Hut 8 (HUT), PPDAI Group (FINV), Pacific Premier Bancorp (PPBI), Customers Bancorp (CUBI), Bank of N.T. Butterfield & Son (NTB), CompoSecure (CMPO), Nicolet Bankshares (NIC), and Perella Weinberg Partners (PWP). These companies are all part of the "banking" industry. X Financial vs. Its Competitors Pagaya Technologies Cipher Mining Hut 8 PPDAI Group Pacific Premier Bancorp Customers Bancorp Bank of N.T. Butterfield & Son CompoSecure Nicolet Bankshares Perella Weinberg Partners Pagaya Technologies (NASDAQ:PGY) and X Financial (NYSE:XYF) are both finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their risk, valuation, media sentiment, analyst recommendations, profitability, earnings, dividends and institutional ownership. Does the media refer more to PGY or XYF? In the previous week, Pagaya Technologies had 9 more articles in the media than X Financial. MarketBeat recorded 10 mentions for Pagaya Technologies and 1 mentions for X Financial. Pagaya Technologies' average media sentiment score of 0.99 beat X Financial's score of 0.18 indicating that Pagaya Technologies is being referred to more favorably in the media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment Pagaya Technologies 4 Very Positive mention(s) 0 Positive mention(s) 3 Neutral mention(s) 2 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 insiders and institutionals believe in PGY or XYF? 57.1% of Pagaya Technologies shares are owned by institutional investors. Comparatively, 1.2% of X Financial shares are owned by institutional investors. 47.6% of Pagaya Technologies shares are owned by insiders. Comparatively, 31.6% of X Financial shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term. Which has higher valuation & earnings, PGY or XYF? X Financial has lower revenue, but higher earnings than Pagaya Technologies. Pagaya Technologies 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 RatioPagaya Technologies$1.03B2.74-$401.41M-$3.83-9.63X Financial$804.43M0.79$210.97M$5.342.85 Which has more volatility and risk, PGY or XYF? Pagaya Technologies has a beta of 5.96, suggesting that its stock price is 496% more volatile than the S&P 500. Comparatively, X Financial has a beta of 0.3, suggesting that its stock price is 70% less volatile than the S&P 500. Do analysts rate PGY or XYF? Pagaya Technologies currently has a consensus target price of $34.33, indicating a potential downside of 6.91%. Given Pagaya Technologies' stronger consensus rating and higher probable upside, analysts clearly believe Pagaya Technologies is more favorable than X Financial.Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Pagaya Technologies 0 Sell rating(s) 1 Hold rating(s) 8 Buy rating(s) 0 Strong Buy rating(s) 2.89X Financial 0 Sell rating(s) 0 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 0.00 Is PGY or XYF more profitable? X Financial has a net margin of 23.30% compared to Pagaya Technologies' net margin of -24.36%. X Financial's return on equity of 25.42% beat Pagaya Technologies' return on equity.Company Net Margins Return on Equity Return on Assets Pagaya Technologies-24.36% 19.14% 6.79% X Financial 23.30%25.42%14.98% SummaryPagaya Technologies beats X Financial on 10 of the 16 factors compared between the two stocks. Get X Financial News Delivered to You Automatically Sign up to receive the latest news and ratings for XYF and its competitors with MarketBeat's FREE daily newsletter. Subscribe Now View SMS TermsBy entering your phone number and clicking the sign-up button, you agree to receive periodic text messages from MarketBeat at the phone number you submitted, including texts that may be sent using an automatic telephone dialing system. Message and data rates may apply. Message frequency will vary. Messages will consist of stock alerts, news stories, and partner advertisements/offers. Consent is not a condition of the purchase of any goods or services. Text HELP for help/customer support. Unsubscribe at any time by replying "STOP" to any text message that you receive from MarketBeat or by visiting our mailing preferences page. Read our full terms of service and privacy policy. New MarketBeat Followers Over TimeWhat are MarkeBeat Followers?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. Skip ChartMedia Sentiment Over TimeWhat is Media Sentiment?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.Skip Chart XYF vs. The Competition Export to ExcelMetricX FinancialFIN IndustryFinance SectorNYSE ExchangeMarket Cap$635.06M$7.84B$12.49B$21.25BDividend Yield3.18%4.62%5.42%3.50%P/E Ratio2.8517.00229.1229.27Price / Sales0.796.8231.9769.15Price / Cash3.0825.5819.0618.27Price / Book0.673.052.314.58Net Income$210.97M$311.02M$1.01B$997.71M7 Day Performance-3.86%1.27%0.53%0.77%1 Month Performance7.34%5.49%4.55%6.95%1 Year Performance207.69%30.00%541.64%11.66% X Financial Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)XYFX Financial2.307 of 5 stars$15.20+2.5%N/A+207.7%$635.06M$804.43M2.85420PGYPagaya Technologies2.8771 of 5 stars$33.95+0.6%$34.33+1.1%+144.9%$2.59B$1.03B-8.86800Analyst DowngradeGap UpCIFRCipher Mining0.9053 of 5 stars$6.64+4.1%$7.67+15.5%+117.7%$2.51B$151.27M-15.4410Positive NewsOptions VolumeGap UpHUTHut 81.2276 of 5 stars$23.45+0.3%$26.94+14.9%+164.4%$2.47B$162.38M0.00219Insider TradeFINVPPDAI Group3.5703 of 5 stars$9.34-1.0%$11.55+23.7%+55.7%$2.39B$13.81B6.313,623Positive NewsPPBIPacific Premier Bancorp3.5593 of 5 stars$24.300.0%$27.50+13.2%-4.7%$2.36B$905.41M17.111,325News CoveragePositive NewsCUBICustomers Bancorp2.2835 of 5 stars$68.80+0.1%$69.25+0.7%+38.6%$2.17B$655.32M17.03640Positive NewsNTBBank of N.T. Butterfield & Son4.0368 of 5 stars$45.02-1.1%$51.33+14.0%+17.9%$2.16B$815.73M9.041,306News CoveragePositive NewsCMPOCompoSecure0.8513 of 5 stars$19.65-1.0%$17.67-10.1%+63.0%$2.03B$420.57M-11.701,007News CoveragePositive NewsNICNicolet Bankshares2.8944 of 5 stars$135.62-0.4%$145.33+7.2%+40.2%$2.02B$520.63M15.57860News CoveragePositive NewsPWPPerella Weinberg Partners1.4016 of 5 stars$21.73-3.0%$23.67+8.9%+13.2%$1.96B$878.04M26.50600Positive NewsEx-Dividend Related Companies and Tools Related Companies PGY Competitors CIFR Competitors HUT Competitors FINV Competitors PPBI Competitors CUBI Competitors NTB Competitors CMPO Competitors NIC Competitors PWP Competitors Top 10 Stock Comparisons Semiconductor Stocks Artificial Intelligence Stocks Growth Stocks Magnificent Seven Stocks Pharmaceutical Stocks Ecommerce Stocks Bitcoin Stocks Meme Stocks Cryptocurrency Stocks Cybersecurity Stocks This page (NYSE:XYF) was last updated on 9/1/2025 by MarketBeat.com Staff From Our PartnersRetire Comfortably with These New Monthly Income ETFs?Too many retirees lie awake at night, worried their savings won’t last. 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