Binah Capital Group (NASDAQ:BCG – Get Free Report) and X Financial (NYSE:XYF – Get Free Report) are both small-cap financial services companies, but which is the better investment? We will compare the two companies based on the strength of their institutional ownership, profitability, valuation, analyst recommendations, dividends, earnings and risk.
Profitability
This table compares Binah Capital Group and X Financial’s net margins, return on equity and return on assets.
Net Margins | Return on Equity | Return on Assets | |
Binah Capital Group | N/A | N/A | -7.16% |
X Financial | 25.38% | 20.63% | 10.74% |
Insider and Institutional Ownership
5.0% of Binah Capital Group shares are held by institutional investors. Comparatively, 1.1% of X Financial shares are held by institutional investors. 83.0% of Binah Capital Group shares are held by insiders. Comparatively, 31.6% of X Financial shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.
Analyst Recommendations
Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
Binah Capital Group | 0 | 0 | 0 | 0 | N/A |
X Financial | 0 | 0 | 0 | 0 | N/A |
Valuation & Earnings
This table compares Binah Capital Group and X Financial”s gross revenue, earnings per share (EPS) and valuation.
Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
Binah Capital Group | $160.39 million | 0.24 | $570,000.00 | N/A | N/A |
X Financial | $2.23 billion | 0.15 | $167.16 million | $3.54 | 1.88 |
X Financial has higher revenue and earnings than Binah Capital Group.
Volatility and Risk
Binah Capital Group has a beta of 0.42, suggesting that its stock price is 58% less volatile than the S&P 500. Comparatively, X Financial has a beta of 0.29, suggesting that its stock price is 71% less volatile than the S&P 500.
Summary
X Financial beats Binah Capital Group on 5 of the 9 factors compared between the two stocks.
About Binah Capital Group
Binah Capital Group, Inc., together with its subsidiaries, operates in the wealth management industry. The company provides access to stock, bond, exchange-traded fund, and options execution services; and research, compliance, supervision, and accounting and related services for financial advisors. It also offers mutual funds and insurance products, as well as alternative investments, such as non-traded real estate investment trusts, unit trusts, and fixed and variable annuities. The company was founded in 2016 and is headquartered in Albany, New York. Binah Capital Group, Inc. operates as a subsidiary of MHC Securities, LLC.
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 or institutional funding partners. Its loan products include Xiaoying credit loan, which consists of Xiaoying card loan; and Xiaoying preferred loan to small business owners. The company also offers Xiaoying housing loan, a home equity loan product for property owners; investment products through Xiaoying wealth management platform, such as funds, money market, and insurance products; and loan facilitation services to other platforms. In addition, it engages in the technology development, service, and sale of products; and provision of guarantee and consulting services. The company was incorporated in 2014 and is headquartered in Shenzhen, the People’s Republic of China.
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