FINV
Price
$10.13
Change
+$0.08 (+0.80%)
Updated
Jul 17 closing price
Capitalization
1.41B
38 days until earnings call
XYF
Price
$18.21
Change
-$0.08 (-0.44%)
Updated
Jul 17, 04:59 PM (EDT)
Capitalization
185.86M
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FINV vs XYF

Header iconFINV vs XYF Comparison
Open Charts FINV vs XYFBanner chart's image
FinVolution Group
Price$10.13
Change+$0.08 (+0.80%)
Volume$1.87M
Capitalization1.41B
X Financial
Price$18.21
Change-$0.08 (-0.44%)
Volume$1.4K
Capitalization185.86M
FINV vs XYF Comparison Chart in %
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FINV
Daily Signalchanged days ago
Gain/Loss if bought
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XYF
Daily Signalchanged days ago
Gain/Loss if bought
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FINV vs. XYF commentary
Jul 18, 2025

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is FINV is a Hold and XYF is a Hold.

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COMPARISON
Comparison
Jul 18, 2025
Stock price -- (FINV: $10.13 vs. XYF: $18.19)
Brand notoriety: FINV and XYF are both not notable
Both companies represent the Finance/Rental/Leasing industry
Current volume relative to the 65-day Moving Average: FINV: 134% vs. XYF: 65%
Market capitalization -- FINV: $1.41B vs. XYF: $185.86M
FINV [@Finance/Rental/Leasing] is valued at $1.41B. XYF’s [@Finance/Rental/Leasing] market capitalization is $185.86M. The market cap for tickers in the [@Finance/Rental/Leasing] industry ranges from $573.25B to $0. The average market capitalization across the [@Finance/Rental/Leasing] industry is $13.11B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

FINV’s FA Score shows that 2 FA rating(s) are green whileXYF’s FA Score has 1 green FA rating(s).

  • FINV’s FA Score: 2 green, 3 red.
  • XYF’s FA Score: 1 green, 4 red.
According to our system of comparison, FINV is a better buy in the long-term than XYF.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

FINV’s TA Score shows that 2 TA indicator(s) are bullish while XYF’s TA Score has 3 bullish TA indicator(s).

  • FINV’s TA Score: 2 bullish, 4 bearish.
  • XYF’s TA Score: 3 bullish, 5 bearish.
According to our system of comparison, both FINV and XYF are a bad buy in the short-term.

Price Growth

FINV (@Finance/Rental/Leasing) experienced а -1.75% price change this week, while XYF (@Finance/Rental/Leasing) price change was -8.55% for the same time period.

The average weekly price growth across all stocks in the @Finance/Rental/Leasing industry was -1.40%. For the same industry, the average monthly price growth was +6.19%, and the average quarterly price growth was +14.71%.

Reported Earning Dates

FINV is expected to report earnings on Aug 25, 2025.

XYF is expected to report earnings on May 19, 2025.

Industries' Descriptions

@Finance/Rental/Leasing (-1.40% weekly)

A leasing company (e.g. United Rentals, Inc. ) is typically the legal owner of the asset for the duration of the lease, while the lessee has operating control over the asset while also having some share of the economic risks and returns from the change in the valuation of the underlying asset. Per capita disposable income and corporate earnings or cash flow could be some of the critical metrics for this business – the higher the values of these metrics, the potentially greater ability of consumers/businesses to afford apartments/office spaces for rent. Other finance companies include credit/debit card payment processing companies (e.g. Visa Inc. and Mastercard), private label credit cards providers (e.g. Synchrony Financial) and automobile finance companies (e.g. Credit Acceptance Corporation).

SUMMARIES
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FUNDAMENTALS
Fundamentals
FINV($1.41B) has a higher market cap than XYF($186M). FINV has higher P/E ratio than XYF: FINV (4.34) vs XYF (1.08). XYF YTD gains are higher at: 122.905 vs. FINV (54.825). FINV has less debt than XYF: FINV (160M) vs XYF (663M). FINV has higher revenues than XYF: FINV (12.5B) vs XYF (1.75B).
FINVXYFFINV / XYF
Capitalization1.41B186M759%
EBITDA2.49BN/A-
Gain YTD54.825122.90545%
P/E Ratio4.341.08403%
Revenue12.5B1.75B716%
Total Cash8.53BN/A-
Total Debt160M663M24%
FUNDAMENTALS RATINGS
FINV vs XYF: Fundamental Ratings
FINV
XYF
OUTLOOK RATING
1..100
859
VALUATION
overvalued / fair valued / undervalued
1..100
34
Fair valued
36
Fair valued
PROFIT vs RISK RATING
1..100
2835
SMR RATING
1..100
5098
PRICE GROWTH RATING
1..100
3735
P/E GROWTH RATING
1..100
144
SEASONALITY SCORE
1..100
n/an/a

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

FINV's Valuation (34) in the null industry is in the same range as XYF (36) in the Finance Or Rental Or Leasing industry. This means that FINV’s stock grew similarly to XYF’s over the last 12 months.

FINV's Profit vs Risk Rating (28) in the null industry is in the same range as XYF (35) in the Finance Or Rental Or Leasing industry. This means that FINV’s stock grew similarly to XYF’s over the last 12 months.

FINV's SMR Rating (50) in the null industry is somewhat better than the same rating for XYF (98) in the Finance Or Rental Or Leasing industry. This means that FINV’s stock grew somewhat faster than XYF’s over the last 12 months.

XYF's Price Growth Rating (35) in the Finance Or Rental Or Leasing industry is in the same range as FINV (37) in the null industry. This means that XYF’s stock grew similarly to FINV’s over the last 12 months.

XYF's P/E Growth Rating (4) in the Finance Or Rental Or Leasing industry is in the same range as FINV (14) in the null industry. This means that XYF’s stock grew similarly to FINV’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
FINVXYF
RSI
ODDS (%)
Bearish Trend 1 day ago
76%
Bearish Trend 2 days ago
76%
Stochastic
ODDS (%)
Bearish Trend 1 day ago
67%
Bearish Trend 2 days ago
73%
Momentum
ODDS (%)
N/A
Bullish Trend 2 days ago
86%
MACD
ODDS (%)
N/A
Bearish Trend 2 days ago
64%
TrendWeek
ODDS (%)
Bearish Trend 1 day ago
66%
Bearish Trend 2 days ago
77%
TrendMonth
ODDS (%)
Bullish Trend 1 day ago
82%
Bearish Trend 2 days ago
73%
Advances
ODDS (%)
Bullish Trend 7 days ago
83%
Bullish Trend 15 days ago
82%
Declines
ODDS (%)
Bearish Trend 17 days ago
71%
Bearish Trend 2 days ago
74%
BollingerBands
ODDS (%)
Bearish Trend 1 day ago
72%
Bearish Trend 2 days ago
79%
Aroon
ODDS (%)
Bullish Trend 1 day ago
71%
Bullish Trend 2 days ago
86%
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FINV
Daily Signalchanged days ago
Gain/Loss if bought
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XYF
Daily Signalchanged days ago
Gain/Loss if bought
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FINV and

Correlation & Price change

A.I.dvisor indicates that over the last year, FINV has been loosely correlated with QFIN. These tickers have moved in lockstep 63% of the time. This A.I.-generated data suggests there is some statistical probability that if FINV jumps, then QFIN could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To FINV
1D Price
Change %
FINV100%
+0.80%
QFIN - FINV
63%
Loosely correlated
+1.52%
LX - FINV
55%
Loosely correlated
-0.76%
YRD - FINV
53%
Loosely correlated
-0.16%
LU - FINV
47%
Loosely correlated
+1.09%
XYF - FINV
37%
Loosely correlated
-0.60%
More

XYF and

Correlation & Price change

A.I.dvisor indicates that over the last year, XYF has been loosely correlated with LX. These tickers have moved in lockstep 52% of the time. This A.I.-generated data suggests there is some statistical probability that if XYF jumps, then LX could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To XYF
1D Price
Change %
XYF100%
-1.45%
LX - XYF
52%
Loosely correlated
-1.65%
YRD - XYF
45%
Loosely correlated
-0.33%
QFIN - XYF
43%
Loosely correlated
-2.50%
FINV - XYF
38%
Loosely correlated
-5.19%
AER - XYF
31%
Poorly correlated
+0.04%
More