Head-To-Head Survey: Carbon Streaming (OTCMKTS:OFSTF) versus X Financial (NYSE:XYF)

Carbon Streaming (OTCMKTS:OFSTF) and X Financial (NYSE:XYF) are both small-cap auto/tires/trucks companies, but which is the superior stock? We will contrast the two businesses based on the strength of their institutional ownership, valuation, analyst recommendations, earnings, profitability, risk and dividends.

Analyst Recommendations

This is a summary of recent ratings and target prices for Carbon Streaming and X Financial, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Carbon Streaming	0	1	0	0	2.00
X Financial	0	0	0	0	N/A

Valuation & Earnings

This table compares Carbon Streaming and X Financial’s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Carbon Streaming	$1.17 million	26.94	-$35.50 million	($1.47)	-0.41
X Financial	$678.16 million	0.30	$167.16 million	$3.54	1.19

X Financial has higher revenue and earnings than Carbon Streaming. Carbon Streaming is trading at a lower price-to-earnings ratio than X Financial, indicating that it is currently the more affordable of the two stocks.

Insider & Institutional Ownership

1.2% of X Financial shares are held by institutional investors. 2.4% of Carbon Streaming shares are held by company insiders. Comparatively, 31.6% of X Financial shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Profitability

This table compares Carbon Streaming and X Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Carbon Streaming	-4,304.96%	-5.77%	-5.56%
X Financial	25.18%	21.60%	11.03%

Volatility & Risk

Carbon Streaming has a beta of -64.08, meaning that its stock price is 6,508% less volatile than the S&P 500. Comparatively, X Financial has a beta of 0.28, meaning that its stock price is 72% less volatile than the S&P 500.

Summary

X Financial beats Carbon Streaming on 10 of the 11 factors compared between the two stocks.

About Carbon Streaming

Carbon Streaming Corporation a carbon credit streaming and royalty company focused on creating shareholder value primarily through the acquisition and sale of carbon credits. It provides capital to carbon projects globally, primarily by entering into or acquiring streaming, royalty or royalty-like arrangements for the purchase of carbon credits. The company was formerly known as Mexivada Mining Corp. and changed its name to Carbon Streaming Corporation in June 2020. Carbon Streaming Corporation was incorporated in 2004 and is headquartered in Burlington, Canada.

About X Financial

X Financial provides personal finance services in the People's Republic of China. The company offers services as an online marketplace connecting borrowers and investors. Its loan products include Xiaoying credit loan, which consists of Xiaoying card loan; and Xiaoying preferred loan to small business owners, as well as Xiaoying revolving loan. The company also offers Xiaoying housing loan, a home equity loan product for property owners; investment products through Xiaoying wealth management platform, such as loans, money market, and insurance products; and loan facilitation services to other platforms. The company was incorporated in 2014 and is headquartered in Shenzhen, the People's Republic of China.