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Medallion Financial Corp. (MFIN) vs X Financial Sponsored ADR (XYF)

Medallion Financial Corp. and X Financial Sponsored ADR are both Credit Services companies. Medallion Financial Corp. is the larger, with a market value of $223.7M against $107.3M — 2.1× the size. X Financial Sponsored ADR trades at the lower P/E: 2.2× against 8.6×. Medallion Financial Corp. grew revenue faster over the last twelve months: 5.97% against −20.1%. X Financial Sponsored ADR has the higher net margin (10.3% vs 7.53%) and the higher return on invested capital (7.47% vs 5.65%). Both pay a dividend; X Financial Sponsored ADR yields more (12.0% vs 5.18%). Across the 19 metrics below, X Financial Sponsored ADR leads on 16 and Medallion Financial Corp. on 3.

Valuation

Metric MFIN XYF Credit Services median
P/E 8.57 2.17 8.96
P/S 0.63 0.21 1.00
P/B 0.41 0.15 1.23
Price to free cash flow 1.30 0.31 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 11.67% 46.16% 7.17%
Free cash flow yield 76.87% 326.75% 11.75%

Profitability

Metric MFIN XYF Credit Services median
Gross margin 69.90% 65.54% 76.61%
Operating margin 0.00% 13.22% 0.34%
Net margin 7.53% 10.30% 8.35%
Free cash flow margin 0.00% 0.00% 8.73%
Return on equity 5.15% 7.66% 9.05%
Return on assets 0.86% 4.60% 1.94%
Return on invested capital 5.65% 7.47% 4.56%

Growth

Metric MFIN XYF Credit Services median
Revenue growth (TTM) 5.97% (20.10%) 4.49%
EPS growth (last fiscal year) 17.11% 16.67% 21.94%
Revenue growth, 5-year CAGR 20.51% 26.59% 9.22%
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric MFIN XYF Credit Services median
Debt to equity 0.52 0.05 0.69
Current ratio 1.22 2.06 1.26
Net debt to EBITDA 0.00 (1.05) 0.11

Dividend

Metric MFIN XYF Credit Services median
Dividend yield 5.18% 11.99% 1.64%
Payout ratio 0.47 0.27 0.21

Size

Metric MFIN XYF Credit Services median
Market cap 223.70m 107.25m 759.73m

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