X Financial (XYF) Competitors

Park National (NYSE:PRK) and X Financial (NYSE:XYF) are both finance companies, but which is the better business? We will contrast the two companies based on the strength of their community ranking, analyst recommendations, earnings, risk, valuation, profitability, media sentiment, institutional ownership and dividends.

Does the media favor PRK or XYF?

In the previous week, Park National had 12 more articles in the media than X Financial. MarketBeat recorded 18 mentions for Park National and 6 mentions for X Financial. X Financial's average media sentiment score of 0.78 beat Park National's score of -0.04 indicating that X Financial is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Park National	2 Very Positive mention(s)	2 Positive mention(s)	7 Neutral mention(s)	4 Negative mention(s)	3 Very Negative mention(s)	Neutral
X Financial	3 Very Positive mention(s)	1 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Which has preferable earnings & valuation, PRK or XYF?

X Financial has higher revenue and earnings than Park National. X Financial is trading at a lower price-to-earnings ratio than Park National, 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
Park National	$520.61M	4.73	$151.42M	$9.31	16.38
X Financial	$2.56B	0.30	$167.16M	$4.35	3.61

Is PRK or XYF more profitable?

X Financial has a net margin of 25.03% compared to Park National's net margin of 23.46%. X Financial's return on equity of 20.66% beat Park National's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Park National	23.46%	12.31%	1.50%
X Financial	25.03%	20.66%	11.17%

Which has more volatility & risk, PRK or XYF?

Park National has a beta of 0.72, indicating that its stock price is 28% less volatile than the S&P 500. Comparatively, X Financial has a beta of 0.45, indicating that its stock price is 55% less volatile than the S&P 500.

Do analysts rate PRK or XYF?

Park National currently has a consensus price target of $181.75, suggesting a potential upside of 19.15%. Given Park National's stronger consensus rating and higher probable upside, equities analysts plainly believe Park National is more favorable than X Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Park National	0 Sell rating(s)	2 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00
X Financial	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

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

62.7% of Park National shares are held by institutional investors. Comparatively, 1.1% of X Financial shares are held by institutional investors. 2.7% of Park National shares are held by insiders. Comparatively, 31.6% of X Financial shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Is PRK or XYF a better dividend stock?

Park National pays an annual dividend of $4.28 per share and has a dividend yield of 2.8%. X Financial pays an annual dividend of $0.32 per share and has a dividend yield of 2.0%. Park National pays out 46.0% of its earnings in the form of a dividend. X Financial pays out 7.4% 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.

Does the MarketBeat Community prefer PRK or XYF?

X Financial received 129 more outperform votes than Park National when rated by MarketBeat users. Likewise, 58.11% of users gave X Financial an outperform vote while only 0.00% of users gave Park National an outperform vote.

Company	Underperform	Outperform
Park National	Outperform Votes No Votes	Underperform Votes 17 100.00%
X Financial	Outperform Votes 129 58.11%	Underperform Votes 93 41.89%

Summary

X Financial beats Park National on 10 of the 19 factors compared between the two stocks.