Head to Head Review: Medallion Financial (NASDAQ:MFIN) & X Financial (NASDAQ:XYF)

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

Profitability

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

Net Margins Return on Equity Return on Assets
Medallion Financial 4.56% 2.71% 0.54%
X Financial 26.99% 23.27% 14.47%

Institutional and Insider Ownership

25.9% of Medallion Financial shares are owned by institutional investors. Comparatively, 1.5% of X Financial shares are owned by institutional investors. 17.1% of Medallion Financial shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Volatility and Risk

Medallion Financial has a beta of 1.53, meaning that its share price is 53% more volatile than the S&P 500. Comparatively, X Financial has a beta of 2.15, meaning that its share price is 115% more volatile than the S&P 500.

Analyst Ratings

This is a summary of current ratings for Medallion Financial and X Financial, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Medallion Financial 0 0 3 0 3.00
X Financial 0 0 0 0 N/A

Medallion Financial presently has a consensus price target of $10.67, indicating a potential upside of 55.26%. Given Medallion Financial’s higher possible upside, analysts clearly believe Medallion Financial is more favorable than X Financial.

Valuation & Earnings

This table compares Medallion Financial and X Financial’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Medallion Financial $142.84 million 1.18 -$13.40 million ($0.54) -12.72
X Financial $514.96 million 0.58 $128.44 million N/A N/A

X Financial has higher revenue and earnings than Medallion Financial.

Summary

X Financial beats Medallion Financial on 7 of the 12 factors compared between the two stocks.

Medallion Financial Company Profile

Medallion Financial Corp., through with its subsidiaries, operates as a finance company in the United States. It originates, acquires, and services loans that finance taxicab medallions and various types of commercial businesses. The company offers consumer loans for the purchase of recreational vehicles, boats, motorcycles, and trailers, as well as to finance small scale home improvements; and commercial loans for the purchase of equipment and related assets necessary to open a new business, or purchase or improvement of an existing business. It also provides secured mezzanine loans to businesses in various industries; other secured commercial loans; and other debt, mezzanine, and equity investment capital to companies in various industries. In addition, the company raises deposits and conducts other banking activities. Medallion Financial Corp. was founded in 1995 and is headquartered in New York City, New York.

X Financial Company Profile

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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