Contrasting X Financial (NYSE:XYF) & Beneficient (NASDAQ:BENF)

X Financial (NYSE:XYF – Get Free Report) and Beneficient (NASDAQ:BENF – Get Free Report) are both small-cap finance companies, but which is the better business? We will contrast the two businesses based on the strength of their valuation, analyst recommendations, earnings, profitability, institutional ownership, dividends and risk.

Valuation and Earnings

This table compares X Financial and Beneficient”s revenue, earnings per share (EPS) and valuation.

X Financial has higher revenue and earnings than Beneficient.

Profitability

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

Volatility and Risk

X Financial has a beta of 0.38, suggesting that its share price is 62% less volatile than the S&P 500. Comparatively, Beneficient has a beta of -0.12, suggesting that its share price is 112% less volatile than the S&P 500.

Institutional & Insider Ownership

1.2% of X Financial shares are owned by institutional investors. Comparatively, 90.6% of Beneficient shares are owned by institutional investors. 31.6% of X Financial shares are owned by insiders. Comparatively, 7.4% of Beneficient shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Analyst Recommendations

This is a summary of current recommendations and price targets for X Financial and Beneficient, as provided by MarketBeat.com.

Summary

X Financial beats Beneficient on 8 of the 9 factors compared between the two stocks.

About X Financial

(Get Free Report)

X Financial provides personal finance services in the People’s Republic of China. The company offers services as an online marketplace connecting borrowers and investors or institutional funding partners. Its loan products include Xiaoying credit loan, which consists of Xiaoying card loan; and Xiaoying preferred loan to small business owners. The company also offers Xiaoying housing loan, a home equity loan product for property owners; investment products through Xiaoying wealth management platform, such as funds, money market, and insurance products; and loan facilitation services to other platforms. In addition, it engages in the technology development, service, and sale of products; and provision of guarantee and consulting services. The company was incorporated in 2014 and is headquartered in Shenzhen, the People’s Republic of China.

About Beneficient

(Get Free Report)

Beneficient, a technology-enabled financial services company, provides liquidity solutions and related trustee, custody and trust administrative services to participants in the alternative asset industry in the United States. It operates through Ben Liquidity, Ben Custody, and Customer ExAlt Trusts segments. The company offers Ben AltAccess platform for secure, online, and end-to-end delivery of each of the Ben business unit products and services, including upload documents, and work through tasks, and complete their transactions with standardized transaction agreements. It also provides Ben Liquidity, which offers alternative asset liquidity and fiduciary financing products; Ben Custody that provides custody and trust administration services to trustees and document custodian services to customers; and Ben Markets, which provides broker-dealer and transfer agency services. In addition, the company provides Ben Insurance Services, which offers insurance products and services; and Ben Data that provides data collection, evaluation, and analytics products and services. It serves individual and institutional investors, wealth advisors, and general partners. Beneficient is based in Dallas, Texas.