COMP <GO>
XYF vs JPM // OPTIONS IMPLIED MOVE & PUT/CALL SKEW
X Financial each representing six (Class A) (NYSE) VS. JPMorgan Chase & Co. (NYSE) • 15-METRIC TALLY: XYF 4
— JPM 4
■ METRIC PARITY
LAST: $4.89 (+0.83%) • MKT CAP: $267.9M
options-implied-move
—
LAST: $343.58 (+1.26%) • MKT CAP: $913.30B
options-implied-move
4.84%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (XYF VS. JPM)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | XYF | JPM | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 18.80% | 17.37% | +1.43 | XYF | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 9.7x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | — | -18.14% | — | TIE | /fcf-yield <GO> |
| Operating Margin | 21.30% | 42.07% | -20.77 | JPM | /operating-margins <GO> |
| Net Profit Margin | 19.20% | 32.63% | -13.43 | JPM | /net-margins <GO> |
| Revenue Growth (YoY) | 35.80% | 13.53% | +22.27 | XYF | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 8.26% | 1.96% | +6.30 | XYF | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 2/9 | +3.00 | XYF | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew ACTIVE | — | 4.84% | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 41.0 | 55.1 | -14.09 | JPM | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.00 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | — | 13.6x | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $267.9M | $913.30B | -$913.03B | JPM | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | XYF REV | JPM REV | XYF GROSS % | JPM GROSS % | XYF FCF | JPM FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.09B | $182.45B | — | — | $206.7M | -$147.78B |
| FY 2024 | $804.4M | $177.56B | — | — | $206.8M | -$42.01B |
| FY 2023 | $678.2M | $158.10B | — | — | $114.7M | $12.97B |
| FY 2022 | — | $128.69B | — | — | — | $107.12B |
| FY 2021 | — | $121.65B | — | — | — | $78.08B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
XYF // BETA —
JPM // BETA 1.00