Critical Contrast: Hexindai (HX) and X Financial (XYF)

Hexindai (NASDAQ:HX) and X Financial (NYSE:XYF) are both small-cap finance companies, but which is the better stock? We will compare the two businesses based on the strength of their valuation, earnings, analyst recommendations, institutional ownership, profitability, dividends and risk.

Earnings and Valuation

This table compares Hexindai and X Financial’s top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Hexindai $107.26 million 1.70 $65.48 million N/A N/A
X Financial $514.96 million 1.56 $128.45 million $0.85 6.25

X Financial has higher revenue and earnings than Hexindai.

Dividends

Hexindai pays an annual dividend of $0.25 per share and has a dividend yield of 6.9%. X Financial pays an annual dividend of $0.09 per share and has a dividend yield of 1.7%. X Financial pays out 10.6% of its earnings in the form of a dividend.

Profitability

This table compares Hexindai and X Financial’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Hexindai 23.27% 14.26% 12.30%
X Financial N/A N/A N/A

Insider & Institutional Ownership

4.1% of Hexindai shares are held by institutional investors. Comparatively, 1.3% of X Financial shares are held by institutional investors. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Analyst Ratings

This is a breakdown of recent recommendations for Hexindai and X Financial, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Hexindai 0 0 0 0 N/A
X Financial 0 2 0 0 2.00

Summary

Hexindai beats X Financial on 8 of the 10 factors compared between the two stocks.

About Hexindai

Hexindai Inc. operates a consumer lending marketplace that facilitates loans in China. It primarily focuses on facilitating medium-sized credit loans. The company provides borrowers a range of products based on customer segmentation data and tailored to the specific needs of the emerging middle class; and investors various types of investment products. The company was founded in 2013 and is headquartered in Beijing, China.

About X Financial

X Financial provides personal finance services in the People's Republic of China. The company offers a suite of products connecting borrowers and investors through a proprietary Internet platform. It provides loan products, which include Xiaoying card loan and Xiaoying preferred loan; and investment opportunities through wealth management platform, Xiaoying wealth management with insurance protection. X Financial was founded in 2014 and is headquartered in Shenzhen, the People's Republic of China.

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