WU
Price
$10.63
Change
+$0.08 (+0.76%)
Updated
Apr 2, 04:59 PM (EDT)
Capitalization
4.7B
33 days until earnings call
XYF
Price
$16.17
Change
+$1.97 (+13.87%)
Updated
Apr 2, 04:59 PM (EDT)
Capitalization
185.86M
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WU vs XYF

Header iconWU vs XYF Comparison
Open Charts WU vs XYFBanner chart's image
Western Union Company (The)
Price$10.63
Change+$0.08 (+0.76%)
Volume$53.55K
Capitalization4.7B
X Financial
Price$16.17
Change+$1.97 (+13.87%)
Volume$1.26K
Capitalization185.86M
WU vs XYF Comparison Chart
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WU
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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WU vs. XYF commentary
Apr 03, 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 WU is a StrongBuy and XYF is a StrongBuy.

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COMPARISON
Comparison
Apr 03, 2025
Stock price -- (WU: $10.55 vs. XYF: $14.20)
Brand notoriety: WU and XYF are both not notable
Both companies represent the Finance/Rental/Leasing industry
Current volume relative to the 65-day Moving Average: WU: 62% vs. XYF: 176%
Market capitalization -- WU: $4.7B vs. XYF: $185.86M
WU [@Finance/Rental/Leasing] is valued at $4.7B. 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 $12.66B.

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).

WU’s FA Score shows that 2 FA rating(s) are green whileXYF’s FA Score has 3 green FA rating(s).

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

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.

WU’s TA Score shows that 4 TA indicator(s) are bullish while XYF’s TA Score has 3 bullish TA indicator(s).

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

Price Growth

WU (@Finance/Rental/Leasing) experienced а +0.96% price change this week, while XYF (@Finance/Rental/Leasing) price change was +9.23% for the same time period.

The average weekly price growth across all stocks in the @Finance/Rental/Leasing industry was -0.64%. For the same industry, the average monthly price growth was +0.92%, and the average quarterly price growth was +51.85%.

Reported Earning Dates

WU is expected to report earnings on May 06, 2025.

Industries' Descriptions

@Finance/Rental/Leasing (-0.64% 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
WU($4.7B) has a higher market cap than XYF($186M). WU has higher P/E ratio than XYF: WU (8.18) vs XYF (1.08). XYF YTD gains are higher at: 70.468 vs. WU (1.768). XYF has less debt than WU: XYF (663M) vs WU (2.67B). WU has higher revenues than XYF: WU (4.36B) vs XYF (1.75B).
WUXYFWU / XYF
Capitalization4.7B186M2,528%
EBITDA1.04BN/A-
Gain YTD1.76870.4683%
P/E Ratio8.181.08759%
Revenue4.36B1.75B249%
Total Cash3.22BN/A-
Total Debt2.67B663M402%
FUNDAMENTALS RATINGS
WU vs XYF: Fundamental Ratings
WU
XYF
OUTLOOK RATING
1..100
7116
VALUATION
overvalued / fair valued / undervalued
1..100
27
Undervalued
33
Fair valued
PROFIT vs RISK RATING
1..100
10042
SMR RATING
1..100
1210
PRICE GROWTH RATING
1..100
5734
P/E GROWTH RATING
1..100
954
SEASONALITY SCORE
1..100
n/a50

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.

WU's Valuation (27) in the Finance Or Rental Or Leasing industry is in the same range as XYF (33). This means that WU’s stock grew similarly to XYF’s over the last 12 months.

XYF's Profit vs Risk Rating (42) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for WU (100). This means that XYF’s stock grew somewhat faster than WU’s over the last 12 months.

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

XYF's Price Growth Rating (34) in the Finance Or Rental Or Leasing industry is in the same range as WU (57). This means that XYF’s stock grew similarly to WU’s over the last 12 months.

XYF's P/E Growth Rating (4) in the Finance Or Rental Or Leasing industry is significantly better than the same rating for WU (95). This means that XYF’s stock grew significantly faster than WU’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
WUXYF
RSI
ODDS (%)
Bearish Trend 2 days ago
52%
Bearish Trend 2 days ago
72%
Stochastic
ODDS (%)
Bullish Trend 2 days ago
62%
Bearish Trend 2 days ago
75%
Momentum
ODDS (%)
Bearish Trend 2 days ago
63%
N/A
MACD
ODDS (%)
Bearish Trend 2 days ago
56%
Bullish Trend 2 days ago
82%
TrendWeek
ODDS (%)
Bullish Trend 2 days ago
57%
Bullish Trend 2 days ago
80%
TrendMonth
ODDS (%)
Bearish Trend 2 days ago
57%
Bullish Trend 2 days ago
81%
Advances
ODDS (%)
Bullish Trend 7 days ago
56%
Bullish Trend 7 days ago
81%
Declines
ODDS (%)
Bearish Trend 9 days ago
57%
Bearish Trend 2 days ago
76%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
54%
Bearish Trend 2 days ago
83%
Aroon
ODDS (%)
Bullish Trend 2 days ago
64%
Bullish Trend 2 days ago
81%
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WU
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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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 46% 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%
-1.32%
LX - XYF
46%
Loosely correlated
+1.49%
YRD - XYF
41%
Loosely correlated
+5.09%
QFIN - XYF
36%
Loosely correlated
-1.38%
FINV - XYF
31%
Poorly correlated
+4.98%
WU - XYF
22%
Poorly correlated
-0.28%
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