FINV
Price
$8.94
Change
-$0.29 (-3.14%)
Updated
Aug 11, 02:19 PM (EDT)
Capitalization
2.34B
14 days until earnings call
XYF
Price
$13.88
Change
+$0.30 (+2.21%)
Updated
Aug 11, 11:10 AM (EDT)
Capitalization
573.2M
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FINV vs XYF

Header iconFINV vs XYF Comparison
Open Charts FINV vs XYFBanner chart's image
FinVolution Group
Price$8.94
Change-$0.29 (-3.14%)
Volume$110
Capitalization2.34B
X Financial
Price$13.88
Change+$0.30 (+2.21%)
Volume$900
Capitalization573.2M
FINV vs XYF Comparison Chart in %
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FINV
Daily Signalchanged days ago
Gain/Loss if bought
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XYF
Daily Signalchanged days ago
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FINV vs. XYF commentary
Aug 11, 2025

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is FINV is a Hold and XYF is a Buy.

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COMPARISON
Comparison
Aug 11, 2025
Stock price -- (FINV: $9.23 vs. XYF: $13.58)
Brand notoriety: FINV and XYF are both not notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: FINV: 82% vs. XYF: 116%
Market capitalization -- FINV: $2.34B vs. XYF: $573.2M
FINV [@Savings Banks] is valued at $2.34B. XYF’s [@Savings Banks] market capitalization is $573.2M. The market cap for tickers in the [@Savings Banks] industry ranges from $653.67B to $0. The average market capitalization across the [@Savings Banks] industry is $21.16B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

FINV’s FA Score shows that 2 FA rating(s) are green whileXYF’s FA Score has 2 green FA rating(s).

  • FINV’s FA Score: 2 green, 3 red.
  • XYF’s FA Score: 2 green, 3 red.
According to our system of comparison, FINV is a better buy in the long-term than XYF.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

FINV’s TA Score shows that 6 TA indicator(s) are bullish while XYF’s TA Score has 3 bullish TA indicator(s).

  • FINV’s TA Score: 6 bullish, 4 bearish.
  • XYF’s TA Score: 3 bullish, 6 bearish.
According to our system of comparison, FINV is a better buy in the short-term than XYF.

Price Growth

FINV (@Savings Banks) experienced а +12.01% price change this week, while XYF (@Savings Banks) price change was -4.23% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was +0.16%. For the same industry, the average monthly price growth was +0.49%, and the average quarterly price growth was +20.13%.

Reported Earning Dates

FINV is expected to report earnings on Aug 25, 2025.

Industries' Descriptions

@Savings Banks (+0.16% weekly)

A savings bank primary function is to take deposits and paying interest on those deposits. Originating in Europe during the 18th century, these banks were generally introduced to incentivize people of all stripes to save money and park them with banks. By the 1990s, the internet ushered in online savings banks that allowed savers to deposit/transact with banks digitally, without requiring to visit a branch office. Savings banks have potentially encouraged lower-income population to save and have access to a financial institution to earn interest on their money. New York Community Bancorp, Inc, Webster Financial Corporation, Washington Federal, Inc. are examples of savings banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
FINV($2.34B) has a higher market cap than XYF($573M). FINV has higher P/E ratio than XYF: FINV (6.66) vs XYF (2.81). XYF YTD gains are higher at: 65.413 vs. FINV (41.070).
FINVXYFFINV / XYF
Capitalization2.34B573M408%
EBITDA2.79BN/A-
Gain YTD41.07065.41363%
P/E Ratio6.662.81237%
Revenue13.4BN/A-
Total Cash8.46BN/A-
Total Debt59MN/A-
FUNDAMENTALS RATINGS
FINV vs XYF: Fundamental Ratings
FINV
XYF
OUTLOOK RATING
1..100
5050
VALUATION
overvalued / fair valued / undervalued
1..100
29
Undervalued
12
Undervalued
PROFIT vs RISK RATING
1..100
3448
SMR RATING
1..100
5097
PRICE GROWTH RATING
1..100
4539
P/E GROWTH RATING
1..100
227
SEASONALITY SCORE
1..100
9085

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

XYF's Valuation (12) in the Finance Or Rental Or Leasing industry is in the same range as FINV (29) in the null industry. This means that XYF’s stock grew similarly to FINV’s over the last 12 months.

FINV's Profit vs Risk Rating (34) in the null industry is in the same range as XYF (48) in the Finance Or Rental Or Leasing industry. This means that FINV’s stock grew similarly to XYF’s over the last 12 months.

FINV's SMR Rating (50) in the null industry is somewhat better than the same rating for XYF (97) in the Finance Or Rental Or Leasing industry. This means that FINV’s stock grew somewhat faster than XYF’s over the last 12 months.

XYF's Price Growth Rating (39) in the Finance Or Rental Or Leasing industry is in the same range as FINV (45) in the null industry. This means that XYF’s stock grew similarly to FINV’s over the last 12 months.

XYF's P/E Growth Rating (7) in the Finance Or Rental Or Leasing industry is in the same range as FINV (22) in the null industry. This means that XYF’s stock grew similarly to FINV’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
FINVXYF
RSI
ODDS (%)
Bullish Trend 4 days ago
63%
Bullish Trend 4 days ago
90%
Stochastic
ODDS (%)
Bullish Trend 4 days ago
79%
Bullish Trend 4 days ago
90%
Momentum
ODDS (%)
Bullish Trend 4 days ago
84%
Bearish Trend 4 days ago
69%
MACD
ODDS (%)
Bearish Trend 4 days ago
63%
Bearish Trend 4 days ago
76%
TrendWeek
ODDS (%)
Bullish Trend 4 days ago
83%
Bearish Trend 4 days ago
77%
TrendMonth
ODDS (%)
Bearish Trend 4 days ago
64%
Bearish Trend 4 days ago
72%
Advances
ODDS (%)
Bullish Trend 4 days ago
83%
N/A
Declines
ODDS (%)
Bearish Trend 13 days ago
71%
Bearish Trend 4 days ago
74%
BollingerBands
ODDS (%)
Bullish Trend 4 days ago
84%
Bullish Trend 4 days ago
88%
Aroon
ODDS (%)
Bullish Trend 4 days ago
76%
Bearish Trend 4 days ago
76%
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FINV
Daily Signalchanged days ago
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XYF
Daily Signalchanged days ago
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FINV and

Correlation & Price change

A.I.dvisor indicates that over the last year, FINV has been loosely correlated with QFIN. These tickers have moved in lockstep 63% of the time. This A.I.-generated data suggests there is some statistical probability that if FINV jumps, then QFIN could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To FINV
1D Price
Change %
FINV100%
+3.36%
QFIN - FINV
63%
Loosely correlated
+0.09%
LX - FINV
53%
Loosely correlated
-0.31%
YRD - FINV
52%
Loosely correlated
-0.35%
LU - FINV
46%
Loosely correlated
+0.35%
XYF - FINV
39%
Loosely correlated
-3.62%
More

XYF and

Correlation & Price change

A.I.dvisor indicates that over the last year, XYF has been loosely correlated with LX. These tickers have moved in lockstep 51% of the time. This A.I.-generated data suggests there is some statistical probability that if XYF jumps, then LX could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To XYF
1D Price
Change %
XYF100%
-3.62%
LX - XYF
51%
Loosely correlated
-0.31%
QFIN - XYF
45%
Loosely correlated
+0.09%
YRD - XYF
44%
Loosely correlated
-0.35%
FINV - XYF
39%
Loosely correlated
+3.36%
AER - XYF
32%
Poorly correlated
+0.99%
More