FINV
Price
$4.75
Change
+$0.03 (+0.64%)
Updated
Jul 24 closing price
Capitalization
1.12B
29 days until earnings call
Intraday BUY SELL Signals
XYF
Price
$4.79
Change
+$0.01 (+0.21%)
Updated
Jul 24 closing price
Capitalization
184.49M
Intraday BUY SELL Signals
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FINV vs XYF

FINV vs XYF Comparison Chart in %
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VS
FINV vs. XYF commentary
Jul 26, 2026

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 StrongBuy and XYF is a StrongBuy.

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COMPARISON
Comparison
Jul 26, 2026
Stock price -- (FINV: $4.75 vs. XYF: $4.79)
Brand notoriety: FINV and XYF are both not notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: FINV: 39% vs. XYF: 45%
Market capitalization -- FINV: $1.12B vs. XYF: $184.49M
FINV [@Savings Banks] is valued at $1.12B. XYF’s [@Savings Banks] market capitalization is $184.49M. The market cap for tickers in the [@Savings Banks] industry ranges from $676.53B to $0. The average market capitalization across the [@Savings Banks] industry is $32.89B.

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 1 FA rating(s) are green whileXYF’s FA Score has 1 green FA rating(s).

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

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 4 TA indicator(s) are bullish while XYF’s TA Score has 4 bullish TA indicator(s).

  • FINV’s TA Score: 4 bullish, 4 bearish.
  • XYF’s TA Score: 4 bullish, 5 bearish.
According to our system of comparison, FINV is a better buy in the short-term than XYF.

Price Growth

FINV (@Savings Banks) experienced а -0.21% price change this week, while XYF (@Savings Banks) price change was +3.23% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was -3.44%. For the same industry, the average monthly price growth was -3.29%, and the average quarterly price growth was -1.54%.

Reported Earning Dates

FINV is expected to report earnings on Aug 24, 2026.

Industries' Descriptions

@Savings Banks (-3.44% weekly)

A savings bank primary function is to take deposits and paying interest on those deposits. Originating in Europe during the 18th century, these banks were generally introduced to incentivize people of all stripes to save money and park them with banks. By the 1990s, the internet ushered in online savings banks that allowed savers to deposit/transact with banks digitally, without requiring to visit a branch office. Savings banks have potentially encouraged lower-income population to save and have access to a financial institution to earn interest on their money. New York Community Bancorp, Inc, Webster Financial Corporation, Washington Federal, Inc. are examples of savings banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
FINV($1.12B) has a higher market cap than XYF($184M). FINV has higher P/E ratio than XYF: FINV (3.83) vs XYF (1.27). FINV (-3.417) and XYF (-3.524) have similar YTD gains . FINV has higher annual earnings (EBITDA): 2.77B vs. XYF (1.19B). FINV has more cash in the bank: 7.33B vs. XYF (1.02B). XYF has less debt than FINV: XYF (354M) vs FINV (1.37B). FINV has higher revenues than XYF: FINV (13.3B) vs XYF (6.88B).
FINVXYFFINV / XYF
Capitalization1.12B184M609%
EBITDA2.77B1.19B232%
Gain YTD-3.417-3.52497%
P/E Ratio3.831.27302%
Revenue13.3B6.88B193%
Total Cash7.33B1.02B718%
Total Debt1.37B354M388%
FUNDAMENTALS RATINGS
FINV vs XYF: Fundamental Ratings
FINV
XYF
OUTLOOK RATING
1..100
4638
VALUATION
overvalued / fair valued / undervalued
1..100
10
Undervalued
2
Undervalued
PROFIT vs RISK RATING
1..100
100100
SMR RATING
1..100
6161
PRICE GROWTH RATING
1..100
7061
P/E GROWTH RATING
1..100
9096
SEASONALITY SCORE
1..100
5024

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.

XYF's Valuation (2) in the Finance Or Rental Or Leasing industry is in the same range as FINV (10) in the null industry. This means that XYF’s stock grew similarly to FINV’s over the last 12 months.

XYF's Profit vs Risk Rating (100) in the Finance Or Rental Or Leasing industry is in the same range as FINV (100) in the null industry. This means that XYF’s stock grew similarly to FINV’s over the last 12 months.

XYF's SMR Rating (61) in the Finance Or Rental Or Leasing industry is in the same range as FINV (61) in the null industry. This means that XYF’s stock grew similarly to FINV’s over the last 12 months.

XYF's Price Growth Rating (61) in the Finance Or Rental Or Leasing industry is in the same range as FINV (70) in the null industry. This means that XYF’s stock grew similarly to FINV’s over the last 12 months.

FINV's P/E Growth Rating (90) in the null industry is in the same range as XYF (96) in the Finance Or Rental Or Leasing industry. This means that FINV’s stock grew similarly to XYF’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
FINVXYF
RSI
ODDS (%)
N/A
N/A
Stochastic
ODDS (%)
Bearish Trend 2 days ago
69%
Bullish Trend 2 days ago
79%
Momentum
ODDS (%)
Bullish Trend 2 days ago
80%
Bullish Trend 2 days ago
77%
MACD
ODDS (%)
Bullish Trend 2 days ago
84%
Bearish Trend 5 days ago
78%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
70%
Bullish Trend 2 days ago
77%
TrendMonth
ODDS (%)
Bearish Trend 2 days ago
69%
Bearish Trend 2 days ago
76%
Advances
ODDS (%)
Bullish Trend 6 days ago
80%
Bullish Trend 2 days ago
76%
Declines
ODDS (%)
N/A
Bearish Trend 13 days ago
77%
BollingerBands
ODDS (%)
Bullish Trend 2 days ago
76%
Bullish Trend 2 days ago
81%
Aroon
ODDS (%)
Bearish Trend 2 days ago
78%
Bearish Trend 2 days ago
82%
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FINV
Daily Signal:
Gain/Loss:
XYF
Daily Signal:
Gain/Loss:
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Correlation & Price change

A.I.dvisor indicates that over the last year, XYF has been loosely correlated with YRD. These tickers have moved in lockstep 47% of the time. This A.I.-generated data suggests there is some statistical probability that if XYF jumps, then YRD could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To XYF
1D Price
Change %
XYF100%
+0.21%
YRD - XYF
47%
Loosely correlated
-2.48%
LX - XYF
38%
Loosely correlated
+1.37%
FINV - XYF
35%
Loosely correlated
+0.64%
AER - XYF
31%
Poorly correlated
+1.84%
AFRM - XYF
27%
Poorly correlated
-1.38%
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