COMP <GO>
XYF vs MFIN // EV/EBITDA & P/E VALUATION
X Financial each representing six (Class A) (NYSE) VS. Medallion Financial Corp. (NASDAQ) • 15-METRIC TALLY: XYF 3
— MFIN 1
■ METRIC PARITY
LAST: $4.89 (+0.83%) • MKT CAP: $267.9M
valuation
—
LAST: $11.68 (+1.39%) • MKT CAP: $268.2M
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (XYF VS. MFIN)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | XYF | MFIN | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 18.80% | 10.50% | +8.30 | XYF | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | — | — | — | TIE | /fcf-yield <GO> |
| Operating Margin | 21.30% | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 19.20% | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | 35.80% | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 8.26% | 4.09% | +4.17 | XYF | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 5/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 41.0 | 27.8 | +13.21 | XYF | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | — | 5.8x | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $267.9M | $268.2M | -$287.6K | MFIN | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | XYF REV | MFIN REV | XYF GROSS % | MFIN GROSS % | XYF FCF | MFIN FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.09B | $0 | — | — | $206.7M | $126.3M |
| FY 2024 | $804.4M | $0 | — | — | $206.8M | $108.7M |
| FY 2023 | $678.2M | $0 | — | — | $114.7M | $113.8M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
XYF // BETA —
MFIN // BETA —