X Financial (NYSE:XYF) and Abrdn (OTCMKTS:SLFPY) Critical Comparison

Abrdn (OTCMKTS:SLFPY) and X Financial (NYSE:XYF) are both finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their institutional ownership, dividends, analyst recommendations, valuation, risk, earnings and profitability.

Earnings & Valuation

This table compares Abrdn and X Financial”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Abrdn	$1.75 billion	2.70	$302.86 million	N/A	N/A
X Financial	$804.43 million	0.37	$210.97 million	$5.66	1.27

Abrdn has higher revenue and earnings than X Financial.

Analyst Ratings

This is a summary of current ratings and recommmendations for Abrdn and X Financial, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Abrdn	0	1	0	0	2.00
X Financial	0	1	0	0	2.00

Dividends

Abrdn pays an annual dividend of $0.67 per share and has a dividend yield of 6.5%. X Financial pays an annual dividend of $0.48 per share and has a dividend yield of 6.7%. X Financial pays out 8.5% of its earnings in the form of a dividend.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Abrdn	N/A	N/A	N/A
X Financial	22.75%	24.56%	14.10%

Volatility and Risk

Abrdn has a beta of 1.54, meaning that its share price is 54% more volatile than the S&P 500. Comparatively, X Financial has a beta of 0.28, meaning that its share price is 72% less volatile than the S&P 500.

Institutional and Insider Ownership

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

Summary

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

About Abrdn

abrdn plc provides asset management services in the United Kingdom, Europe, North America, and Asia. The company offers investment solutions and funds; long-term savings and investment products to individual and corporate customers; and life insurance and savings products. It provides its products through institutional, wholesale, and retail distribution channels. It also makes real estate investments. The company was formerly known as Standard Life Aberdeen plc. abrdn plc was founded in 1825 and is headquartered in Edinburgh, United Kingdom.

About X Financial

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.