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JFIN vs XYF
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 JFIN is a Hold and XYF is a StrongBuy.
JFIN's RSI Oscillator leaves overbought zone
The 10-day RSI Oscillator for JFIN moved out of overbought territory on October 30, 2026. This could be a sign that the stock is shifting from an upward trend to a downward trend. Traders may want to look at selling the stock or buying put options. Tickeron's A.I.dvisor looked at 28 instances where the indicator moved out of the overbought zone. In 27 of the 28 cases the stock moved lower in the days that followed. This puts the odds of a move down at 90%.
Technical Analysis (Indicators)
Bearish Trend Analysis
Following a 3-day decline, the stock is projected to fall further. Considering past instances where JFIN declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 83%.
JFIN broke above its upper Bollinger Band on October 29, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
The Aroon Indicator for JFIN entered a downward trend on October 22, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Bullish Trend Analysis
The Stochastic Oscillator suggests the stock price trend may be in a reversal from a downward trend to an upward trend. 44 of 60 cases where JFIN's Stochastic Oscillator exited the oversold zone resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 73%.
The Momentum Indicator moved above the 0 level on October 26, 2026. You may want to consider a long position or call options on JFIN as a result. In 66 of 79 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 84%.
JFIN moved above its 50-day moving average on October 29, 2026 date and that indicates a change from a downward trend to an upward trend.
Following a +3.12% 3-day Advance, the price is estimated to grow further. Considering data from situations where JFIN advanced for three days, in 192 of 251 cases, the price rose further within the following month. The odds of a continued upward trend are 76%.
Fundamental Analysis (Ratings)
The Tickeron Valuation Rating of 15 (best 1 - 100 worst) indicates that the company is slightly undervalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (0.018) is normal, around the industry mean (3.942). P/E Ratio (0.303) is within average values for comparable stocks, (6.573). JFIN's Projected Growth (PEG Ratio) (117.760) is very high in comparison to the industry average of (3.918). JFIN's Dividend Yield (2.238) is considerably higher than the industry average of (0.190). P/S Ratio (0.128) is also within normal values, averaging (5.901).
The Tickeron Price Growth Rating for this company is 65 (best 1 - 100 worst), indicating fairly steady price growth. JFIN’s price grows at a lower rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron SMR rating for this company is 81 (best 1 - 100 worst), indicating weak sales and an unprofitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron PE Growth Rating for this company is 96 (best 1 - 100 worst), pointing to worse than average earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Profit vs. Risk Rating rating for this company is 100 (best 1 - 100 worst), indicating that the returns do not compensate for the risks. JFIN’s unstable profits reported over time resulted in significant Drawdowns within these last five years. A stable profit reduces stock drawdown and volatility. The average Profit vs. Risk Rating rating for the industry is 78, placing this stock worse than average.
XYF sees its Stochastic Oscillator climbs out of oversold territory
On November 04, 2026, the Stochastic Oscillator for XYF moved out of oversold territory and this could be a bullish sign for the stock. Traders may want to buy the stock or buy call options. Tickeron's A.I.dvisor looked at 57 instances where the indicator left the oversold zone. In 45 of the 57 cases the stock moved higher in the following days. This puts the odds of a move higher at over 79%.
Technical Analysis (Indicators)
Bullish Trend Analysis
Following a +2.48% 3-day Advance, the price is estimated to grow further. Considering data from situations where XYF advanced for three days, in 191 of 251 cases, the price rose further within the following month. The odds of a continued upward trend are 76%.
XYF may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options.
Bearish Trend Analysis
The Momentum Indicator moved below the 0 level on November 05, 2026. You may want to consider selling the stock, shorting the stock, or exploring put options on XYF as a result. In 79 of 107 cases where the Momentum Indicator fell below 0, the stock fell further within the subsequent month. The odds of a continued downward trend are 74%.
The Moving Average Convergence Divergence Histogram (MACD) for XYF turned negative on November 05, 2026. This could be a sign that the stock is set to turn lower in the coming weeks. Traders may want to sell the stock or buy put options. Tickeron's A.I.dvisor looked at 50 similar instances when the indicator turned negative. In 33 of the 50 cases the stock turned lower in the days that followed. This puts the odds of success at 66%.
XYF moved below its 50-day moving average on October 12, 2026 date and that indicates a change from an upward trend to a downward trend.
The 10-day moving average for XYF crossed bearishly below the 50-day moving average on October 09, 2026. This indicates that the trend has shifted lower and could be considered a sell signal. In 12 of 17 past instances when the 10-day crossed below the 50-day, the stock continued to move higher over the following month. The odds of a continued downward trend are 71%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where XYF declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 76%.
The Aroon Indicator for XYF entered a downward trend on November 02, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Fundamental Analysis (Ratings)
The Tickeron Valuation Rating of 2 (best 1 - 100 worst) indicates that the company is seriously undervalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (0.022) is normal, around the industry mean (3.942). P/E Ratio (0.318) is within average values for comparable stocks, (6.573). Projected Growth (PEG Ratio) (0.370) is also within normal values, averaging (3.918). Dividend Yield (0.234) settles around the average of (0.190) among similar stocks. P/S Ratio (0.223) is also within normal values, averaging (5.901).
The Tickeron Price Growth Rating for this company is 60 (best 1 - 100 worst), indicating fairly steady price growth. XYF’s price grows at a lower rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron SMR rating for this company is 77 (best 1 - 100 worst), indicating weak sales and an unprofitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Profit vs. Risk Rating rating for this company is 93 (best 1 - 100 worst), indicating that the returns do not compensate for the risks. XYF’s unstable profits reported over time resulted in significant Drawdowns within these last five years. A stable profit reduces stock drawdown and volatility. The average Profit vs. Risk Rating rating for the industry is 78, placing this stock worse than average.
The Tickeron PE Growth Rating for this company is 96 (best 1 - 100 worst), pointing to worse than average earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
JFIN | XYF | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 48 | 8 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 15 Undervalued | 2 Undervalued | |
PROFIT vs RISK RATING 1..100 | 100 | 93 | |
SMR RATING 1..100 | 81 | 77 | |
PRICE GROWTH RATING 1..100 | 65 | 60 | |
P/E GROWTH RATING 1..100 | 96 | 96 | |
SEASONALITY SCORE 1..100 | 85 | 18 |
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 JFIN (15) in the null industry. This means that XYF’s stock grew similarly to JFIN’s over the last 12 months.
XYF's Profit vs Risk Rating (93) in the Finance Or Rental Or Leasing industry is in the same range as JFIN (100) in the null industry. This means that XYF’s stock grew similarly to JFIN’s over the last 12 months.
XYF's SMR Rating (77) in the Finance Or Rental Or Leasing industry is in the same range as JFIN (81) in the null industry. This means that XYF’s stock grew similarly to JFIN’s over the last 12 months.
XYF's Price Growth Rating (60) in the Finance Or Rental Or Leasing industry is in the same range as JFIN (65) in the null industry. This means that XYF’s stock grew similarly to JFIN’s over the last 12 months.
XYF's P/E Growth Rating (96) in the Finance Or Rental Or Leasing industry is in the same range as JFIN (96) in the null industry. This means that XYF’s stock grew similarly to JFIN’s over the last 12 months.
| JFIN | XYF | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 90% | N/A |
| Stochastic ODDS (%) | 2 days ago 73% | 2 days ago 79% |
| Momentum ODDS (%) | 2 days ago 84% | 2 days ago 74% |
| MACD ODDS (%) | N/A | 2 days ago 66% |
| TrendWeek ODDS (%) | 2 days ago 82% | 2 days ago 78% |
| TrendMonth ODDS (%) | 2 days ago 79% | 2 days ago 75% |
| Advances ODDS (%) | 12 days ago 76% | 3 days ago 76% |
| Declines ODDS (%) | 2 days ago 83% | 17 days ago 76% |
| BollingerBands ODDS (%) | 2 days ago 83% | 2 days ago 76% |
| Aroon ODDS (%) | 2 days ago 81% | 2 days ago 79% |
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).
JFIN’s FA Score shows that 1 FA rating(s) are green while XYF’s FA Score has 1 green FA rating(s).
- JFIN’s FA Score: 1 green, 4 red.
- XYF’s FA Score: 1 green, 4 red.
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.
JFIN’s TA Score shows that 4 TA indicator(s) are bullish while XYF’s TA Score has 5 bullish TA indicator(s).
- JFIN’s TA Score: 4 bullish, 5 bearish.
- XYF’s TA Score: 5 bullish, 5 bearish.
Price Growth
JFIN (@Savings Banks) experienced а -11.73% price change this week, while XYF (@Savings Banks) price change was +20.80% for the same time period.
The average weekly price growth across all stocks in the @Savings Banks industry was -0.08%. For the same industry, the average monthly price growth was -4.44%, and the average quarterly price growth was -9.63%.
Reported Earning Dates
JFIN is expected to report earnings on Nov 24, 2026.
XYF is expected to report earnings on Nov 19, 2026.
Industries' Descriptions
@Savings Banks (-0.08% 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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JFIN and
Correlation & Price change
A.I.dvisor indicates that over the last year, JFIN has been loosely correlated with QFIN. These tickers have moved in lockstep 35% of the time. This A.I.-generated data suggests there is some statistical probability that if JFIN jumps, then QFIN could also see price increases.
| Ticker / NAME | Correlation To JFIN | 1D Price Change % | ||
|---|---|---|---|---|
| JFIN | 100% | -3.23% | ||
| QFIN - JFIN | 35% Loosely correlated | -0.82% | ||
| LX - JFIN | 34% Loosely correlated | -9.18% | ||
| MOMO - JFIN | 30% Poorly correlated | +0.44% | ||
| DJT - JFIN | 28% Poorly correlated | -10.47% | ||
| WB - JFIN | 28% Poorly correlated | -0.46% | ||
More | ||||
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% | +22.34% | ||
| AER - XYF | 31% Poorly correlated | +2.09% | ||
| AFRM - XYF | 30% Poorly correlated | -2.23% | ||
| JFIN - XYF | 28% Poorly correlated | -4.67% | ||
| YRD - XYF | 27% Poorly correlated | +2.37% | ||
| UPST - XYF | 26% Poorly correlated | -1.13% | ||
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