Head-To-Head Review: X Financial (XYF) vs. Synchrony Financial (SYF)

X Financial (NYSE:XYF) and Synchrony Financial (NYSE:SYF) are both finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their institutional ownership, profitability, analyst recommendations, dividends, earnings, risk and valuation.

Insider & Institutional Ownership

1.3% of X Financial shares are owned by institutional investors. Comparatively, 89.5% of Synchrony Financial shares are owned by institutional investors. 0.3% of Synchrony Financial shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Earnings and Valuation

This table compares X Financial and Synchrony Financial’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
X Financial $514.96 million 1.54 $128.44 million $0.85 6.19
Synchrony Financial $18.25 billion 1.33 $2.79 billion $3.74 9.42

Synchrony Financial has higher revenue and earnings than X Financial. X Financial is trading at a lower price-to-earnings ratio than Synchrony Financial, indicating that it is currently the more affordable of the two stocks.

Analyst Recommendations

This is a summary of recent ratings and recommmendations for X Financial and Synchrony Financial, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
X Financial 0 2 0 0 2.00
Synchrony Financial 0 6 10 0 2.63

Synchrony Financial has a consensus price target of $37.50, indicating a potential upside of 6.32%. Given Synchrony Financial’s stronger consensus rating and higher probable upside, analysts clearly believe Synchrony Financial is more favorable than X Financial.


This table compares X Financial and Synchrony Financial’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
X Financial N/A N/A N/A
Synchrony Financial 17.52% 19.79% 2.75%


X Financial pays an annual dividend of $0.09 per share and has a dividend yield of 1.7%. Synchrony Financial pays an annual dividend of $0.84 per share and has a dividend yield of 2.4%. X Financial pays out 10.6% of its earnings in the form of a dividend. Synchrony Financial pays out 22.5% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Synchrony Financial has raised its dividend for 2 consecutive years. Synchrony Financial is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.


Synchrony Financial beats X Financial on 14 of the 16 factors compared between the two stocks.

About X Financial

X Financial provides personal finance services in the People's Republic of China. The company offers a suite of products connecting borrowers and investors through a proprietary Internet platform. It provides loan products, which include Xiaoying card loan and Xiaoying preferred loan; and investment opportunities through wealth management platform, Xiaoying wealth management with insurance protection. X Financial was founded in 2014 and is headquartered in Shenzhen, the People's Republic of China.

About Synchrony Financial

Synchrony Financial operates as a consumer financial services company in the United States. The company offers private label credit cards, dual cards, general purpose co-branded credit cards, and small and medium-sized business credit products; and promotional financing for consumer purchases, such as private label credit cards and installment loans. It also provides promotional financing to consumers for health, veterinary and personal care procedures, and services and products, such as dental, vision, audiology, and cosmetic; debt cancellation products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, and savings accounts to retail and commercial customers, as well as accepts deposits through third-party securities brokerage firms. The company offers its credit products through programs established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers; and deposit products through various channels, such as digital and print. Synchrony Financial was incorporated in 2003 and is headquartered in Stamford, Connecticut.

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