COMP <GO>
XYF vs V // REVENUE GROWTH (YOY)
X Financial each representing six (Class A) (NYSE) VS. Visa Inc. (NYSE) • 15-METRIC TALLY: XYF 2
— V 6
▲ REVENUE GROWTH (YOY) LEADER: XYF
LAST: $4.84 (+1.68%) • MKT CAP: $265.1M
revenue-growth
35.80%
LAST: $425.51 (+2.88%) • MKT CAP: $760.28B
revenue-growth
11.30%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (XYF VS. V)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | XYF | V | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 18.80% | 32.30% | -13.50 | V | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 28.9x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | — | 2.90% | — | TIE | /fcf-yield <GO> |
| Operating Margin | 21.30% | 60.00% | -38.70 | V | /operating-margins <GO> |
| Net Profit Margin | 19.20% | 50.10% | -30.90 | V | /net-margins <GO> |
| Revenue Growth (YoY) ACTIVE | 35.80% | 11.30% | +24.50 | XYF | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 8.26% | 0.63% | +7.63 | XYF | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | 9.09 | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 9/9 | -4.00 | V | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 45.7 | 74.2 | -28.50 | V | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.06 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | — | 34.0x | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $265.1M | $760.28B | -$760.02B | V | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | XYF REV | V REV | XYF GROSS % | V GROSS % | XYF FCF | V FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.09B | $40.00B | — | — | $206.7M | $21.26B |
| FY 2024 | $804.4M | $35.93B | — | — | $206.8M | $18.33B |
| FY 2023 | $678.2M | $32.65B | — | — | $114.7M | $19.29B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
XYF // BETA —
V // BETA 1.06