COMP <GO>
XYF vs MS // DIVIDEND YIELD & FCF PAYOUT SAFETY
X Financial each representing six (Class A) (NYSE) VS. Morgan Stanley (NYSE) • 15-METRIC TALLY: XYF 3
— MS 4
▲ DIVIDEND YIELD & FCF PAYOUT SAFETY LEADER: XYF
LAST: $4.76 (-2.66%) • MKT CAP: $267.9M
dividend-safety
8.26%
LAST: $184.30 (-3.00%) • MKT CAP: $298.41B
dividend-safety
2.21%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (XYF VS. MS)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | XYF | MS | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 18.80% | 3.00% | +15.80 | XYF | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 31.0x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | — | -7.25% | — | TIE | /fcf-yield <GO> |
| Operating Margin | 21.30% | 24.60% | -3.30 | MS | /operating-margins <GO> |
| Net Profit Margin | 19.20% | 20.20% | -1.00 | MS | /net-margins <GO> |
| Revenue Growth (YoY) | 35.80% | 5.50% | +30.30 | XYF | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety ACTIVE | 8.26% | 2.21% | +6.05 | 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 | 46.7 | 51.0 | -4.30 | MS | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.04 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | — | 16.5x | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $267.9M | $298.41B | -$298.14B | MS | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | XYF REV | MS REV | XYF GROSS % | MS GROSS % | XYF FCF | MS FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.09B | $0 | — | — | $206.7M | -$17.89B |
| FY 2024 | $804.4M | $0 | — | — | $206.8M | $1.36B |
| FY 2023 | $678.2M | $0 | — | — | $114.7M | -$33.54B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
XYF // BETA —
MS // BETA 1.04