FINV($803M) has a higher market cap than XYF($191M). FINV has higher P/E ratio than XYF: FINV (3.08) vs XYF (2.36). XYF YTD gains are higher at: 9.906 vs. FINV (-30.867). FINV has higher annual earnings (EBITDA): 2.29B vs. XYF (723M). FINV has higher revenues than XYF: FINV (13.2B) vs XYF (5.6B).

	FINV	XYF	FINV / XYF
Capitalization	803M	191M	420%
EBITDA	2.29B	723M	317%
Gain YTD	-30.867	9.906	-312%
P/E Ratio	3.08	2.36	131%
Revenue	13.2B	5.6B	236%
Total Cash	6.42B	N/A	-
Total Debt	1.58B	N/A	-

FUNDAMENTALS RATINGS

FINV vs XYF: Fundamental Ratings

	FINV	XYF
OUTLOOK RATING 1..100	57	72
VALUATION overvalued / fair valued / undervalued 1..100	3 Undervalued	1 Undervalued
PROFIT vs RISK RATING 1..100	100	96
SMR RATING 1..100	63	76
PRICE GROWTH RATING 1..100	88	49
P/E GROWTH RATING 1..100	87	50
SEASONALITY SCORE 1..100	50	n/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.

XYF's Valuation (1) in the Finance Or Rental Or Leasing industry is in the same range as FINV (3) 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 (96) 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.

FINV's SMR Rating (63) in the null industry is in the same range as XYF (76) in the Finance Or Rental Or Leasing industry. This means that FINV’s stock grew similarly to XYF’s over the last 12 months.

XYF's Price Growth Rating (49) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for FINV (88) in the null industry. This means that XYF’s stock grew somewhat faster than FINV’s over the last 12 months.

XYF's P/E Growth Rating (50) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for FINV (87) in the null industry. This means that XYF’s stock grew somewhat faster than FINV’s over the last 12 months.

TECHNICAL ANALYSIS

Technical Analysis

	FINV	XYF
RSI ODDS (%)	2 days ago 86%	2 days ago 76%
Stochastic ODDS (%)	2 days ago 84%	2 days ago 77%
Momentum ODDS (%)	2 days ago 76%	2 days ago 76%
MACD ODDS (%)	2 days ago 73%	2 days ago 67%
TrendWeek ODDS (%)	2 days ago 69%	2 days ago 77%
TrendMonth ODDS (%)	2 days ago 69%	2 days ago 79%
Advances ODDS (%)	4 days ago 79%	12 days ago 77%
Declines ODDS (%)	15 days ago 71%	4 days ago 75%
BollingerBands ODDS (%)	2 days ago 83%	2 days ago 77%
Aroon ODDS (%)	2 days ago 78%	2 days ago 80%

COMPARISON

Comparison

Sep 11, 2026

Stock price -- (FINV: $3.40 vs. XYF: $5.18)

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: 159% vs. XYF: 67%

Market capitalization -- FINV: $802.72M vs. XYF: $191.31M

FINV [@Savings Banks] is valued at $802.72M. XYF’s [@Savings Banks] market capitalization is $191.31M. The market cap for tickers in the [@Savings Banks] industry ranges from $1.5M to $690.88B. The average market capitalization across the [@Savings Banks] industry is $34B.

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 overvalued. 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 while XYF’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, 6 bearish.
XYF’s TA Score: 4 bullish, 5 bearish.

According to our system of comparison, XYF is a better buy in the short-term than FINV.

Price Growth

FINV (@Savings Banks) experienced а +3.03% price change this week, while XYF (@Savings Banks) price change was -2.03% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was -2.72%. For the same industry, the average monthly price growth was -5.75%, and the average quarterly price growth was +9.55%.

Reported Earning Dates

FINV is expected to report earnings on Nov 23, 2026.

Industries' Descriptions

@Savings Banks (-2.72% 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.

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FINV

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XYF

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FINV and

Correlation & Price change

A.I.dvisor indicates that over the last year, FINV has been loosely correlated with LU. These tickers have moved in lockstep 40% of the time. This A.I.-generated data suggests there is some statistical probability that if FINV jumps, then LU could also see price increases.

Ticker / NAME	Correlation To FINV	1D Price Change %
FINV	100%	+0.89%
LU - FINV	40% Loosely correlated	N/A
XYF - FINV	33% Loosely correlated	-1.15%
HAPN - FINV	31% Poorly correlated	-0.77%
HTT - FINV	27% Poorly correlated	+0.79%
RWAY - FINV	26% Poorly correlated	-0.46%
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XYF and

Correlation & Price change

A.I.dvisor tells us that XYF and AER have been poorly correlated (+31% of the time) for the last year. This A.I.-generated data suggests there is low statistical probability that XYF and AER's prices will move in lockstep.

Ticker / NAME	Correlation To XYF	1D Price Change %
XYF	100%	-1.15%
AER - XYF	31% Poorly correlated	-0.40%
AFRM - XYF	29% Poorly correlated	-0.23%
FINV - XYF	28% Poorly correlated	+0.89%
YRD - XYF	27% Poorly correlated	+0.63%
OCSL - XYF	25% Poorly correlated	-0.63%
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