COMP <GO>
XYF vs HSBC // FORWARD P/E MULTIPLE
X Financial each representing six (Class A) (NYSE) VS. HSBC Holdings plc. (NYSE) • 15-METRIC TALLY: XYF 6
— HSBC 2
■ METRIC PARITY
LAST: $4.84 (+1.68%) • MKT CAP: $265.1M
forward-pe
—
LAST: $85.91 (+0.57%) • MKT CAP: $294.96B
forward-pe
27.6x
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (XYF VS. HSBC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | XYF | HSBC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 18.80% | 9.90% | +8.90 | XYF | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 21.0x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | — | 2.21% | — | TIE | /fcf-yield <GO> |
| Operating Margin | 21.30% | 13.90% | +7.40 | XYF | /operating-margins <GO> |
| Net Profit Margin | 19.20% | 10.90% | +8.30 | XYF | /net-margins <GO> |
| Revenue Growth (YoY) | 35.80% | 23.10% | +12.70 | XYF | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 8.26% | 0.00% | +8.26 | XYF | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 8/9 | -3.00 | HSBC | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 45.7 | 30.3 | +15.40 | XYF | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 0.92 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple ACTIVE | — | 27.6x | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $265.1M | $294.96B | -$294.69B | HSBC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | XYF REV | HSBC REV | XYF GROSS % | HSBC GROSS % | XYF FCF | HSBC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.09B | — | — | — | $206.7M | — |
| FY 2024 | $804.4M | — | — | — | $206.8M | — |
| FY 2023 | $678.2M | — | — | — | $114.7M | — |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
XYF // BETA —
HSBC // BETA 0.92