XYF vs. LOB, LC, VBTX, SUPV, LX, OPFI, BY, QCRH, CMPO, and OBK
Should you be buying X Financial stock or one of its competitors? The main competitors of X Financial include Live Oak Bancshares (LOB), LendingClub (LC), Veritex (VBTX), Grupo Supervielle (SUPV), LexinFintech (LX), OppFi (OPFI), Byline Bancorp (BY), QCR (QCRH), CompoSecure (CMPO), and Origin Bancorp (OBK). These companies are all part of the "banking" industry.
X Financial vs.
Live Oak Bancshares (NASDAQ:LOB) and X Financial (NYSE:XYF) are both small-cap finance companies, but which is the better investment? We will contrast the two companies based on the strength of their institutional ownership, valuation, earnings, profitability, risk, analyst recommendations, community ranking, dividends and media sentiment.
X Financial has lower revenue, but higher earnings than Live Oak Bancshares. X Financial is trading at a lower price-to-earnings ratio than Live Oak Bancshares, indicating that it is currently the more affordable of the two stocks.
In the previous week, X Financial had 2 more articles in the media than Live Oak Bancshares. MarketBeat recorded 4 mentions for X Financial and 2 mentions for Live Oak Bancshares. X Financial's average media sentiment score of 0.55 beat Live Oak Bancshares' score of 0.43 indicating that X Financial is being referred to more favorably in the news media.
Live Oak Bancshares presently has a consensus price target of $44.75, suggesting a potential upside of 40.31%. Given Live Oak Bancshares' stronger consensus rating and higher possible upside, equities analysts plainly believe Live Oak Bancshares is more favorable than X Financial.
Live Oak Bancshares received 136 more outperform votes than X Financial when rated by MarketBeat users. However, 58.11% of users gave X Financial an outperform vote while only 54.08% of users gave Live Oak Bancshares an outperform vote.
Live Oak Bancshares pays an annual dividend of $0.12 per share and has a dividend yield of 0.4%. X Financial pays an annual dividend of $0.32 per share and has a dividend yield of 3.1%. Live Oak Bancshares pays out 8.3% of its earnings in the form of a dividend. X Financial pays out 8.4% 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.
X Financial has a net margin of 25.03% compared to Live Oak Bancshares' net margin of 7.10%. X Financial's return on equity of 20.66% beat Live Oak Bancshares' return on equity.
64.0% of Live Oak Bancshares shares are held by institutional investors. Comparatively, 1.2% of X Financial shares are held by institutional investors. 23.9% of Live Oak Bancshares 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, large money managers and endowments believe a company is poised for long-term growth.
Live Oak Bancshares has a beta of 1.67, suggesting that its share price is 67% more volatile than the S&P 500. Comparatively, X Financial has a beta of 0.31, suggesting that its share price is 69% less volatile than the S&P 500.
Summary
Live Oak Bancshares and X Financial tied by winning 10 of the 20 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 {thisCompany.Symbol} 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.
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This page (NYSE:XYF) was last updated on 2/22/2025 by MarketBeat.com Staff
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