Comparison of Sprott (NYSE:SII) and X Financial (NYSE:XYF)


Financial X (NYSE: XYFGet a rating) and Sprott (NYSE: SIIGet a rating) are both small-cap finance companies, but which business is superior? We’ll compare the two companies based on institutional ownership strength, risk, analyst recommendations, earnings, valuation, profitability, and dividends.

Profitability

This table compares the net margins, return on equity and return on assets of X Financial and Sprott.

Net margins Return on equity return on assets
Financial X 21.82% 20.05% 10.33%
Sprott 25.22% 12.42% 9.91%

Benefits and evaluation

This table compares the revenue, earnings per share and valuation of X Financial and Sprott.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
Financial X $569.07 million 0.26 $129.52 million $2.16 1.25
Sprott $164.65 million 5.52 $33.19 million $1.43 24:43

X Financial has higher revenues and profits than Sprott. X Financial trades at a lower price-to-earnings ratio than Sprott, indicating that it is currently the more affordable of the two stocks.

Analyst Notes

This is a breakdown of recent recommendations and price targets for X Financial and Sprott, as provided by MarketBeat.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
Financial X 0 0 0 0 N / A
Sprott 0 2 0 0 2.00

Sprott has a consensus target price of $60.50, indicating a potential upside of 73.20%. Given Sprott’s possible higher upside, analysts clearly believe that Sprott is more favorable than X Financial.

Risk and Volatility

X Financial has a beta of 0.6, which means its stock price is 40% less volatile than the S&P 500. Comparatively, Sprott has a beta of 1.22, which means its stock price is 22% more volatile than the S&P 500.

Institutional and insider ownership

0.8% of X Financial’s shares are held by institutional investors. By comparison, 26.6% of Sprott’s shares are held by institutional investors. Strong institutional ownership indicates that hedge funds, endowments, and large fund managers believe a stock will outperform the market over the long term.

Summary

Sprott beats X Financial on 6 out of 11 factors compared between the two stocks.

X Profile of the financial company (Get a rating)

X Financial provides personal finance services in the People’s Republic of China. The company provides services as an online marketplace connecting borrowers and investors. Its loan products include Xiaoying credit loan, which is Xiaoying card loan; and Xiaoying’s preferred loan to small business owners, as well as Xiaoying’s revolving loan. The company also offers Xiaoying Home Loan, a home equity loan product for homeowners; investment products through the Xiaoying wealth management platform, such as loans, money market and insurance products; and lending facilitation services to other platforms. X Financial was founded in 2014 and is headquartered in Shenzhen, People’s Republic of China.

Sprott Company Profile (Get a rating)

Sprott Inc. is a public asset management holding company. Through its subsidiaries, the Company provides its clients with asset management, portfolio management, wealth management, fund management, administrative and advisory services. It offers mutual funds, hedge funds and offshore funds, as well as managed accounts. In addition, the company also offers brokerage business. Sprott Inc. was established on February 13, 2008 and is based in Toronto, Canada.



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