Sui Group Holdings Limited (SUIG) vs X Financial Sponsored ADR (XYF)

Sui Group Holdings Limited and X Financial Sponsored ADR are both Credit Services companies. Sui Group Holdings Limited and X Financial Sponsored ADR are of similar size ($119.1M and $112.7M). Sui Group Holdings Limited has negative trailing earnings, so its P/E is not meaningful; X Financial Sponsored ADR trades at 2.4×. Sui Group Holdings Limited grew revenue faster over the last twelve months: −5.33% against −20.1%. X Financial Sponsored ADR has the higher net margin (10.3% vs −11,373.6%) and the higher return on invested capital (7.47% vs −270.6%). Across the 18 metrics below, X Financial Sponsored ADR leads on 15 and Sui Group Holdings Limited on 3.

Valuation

Metric SUIG XYF Credit Services median
P/E n/m 2.37 9.64
P/S 41.10 0.24 0.87
P/B 1.53 0.17 1.16
Price to free cash flow n/m 0.34 2.99
EV/EBITDA n/m n/m 9.58
EV/Sales 40.71 (0.04) 2.32
Earnings yield (495.47%) 42.12% 6.72%
Free cash flow yield (166.04%) 290.10% 12.33%

Profitability

Metric SUIG XYF Credit Services median
Gross margin 100.00% 65.54% 77.13%
Operating margin (11,034.20%) 13.22% 0.34%
Net margin (11,373.56%) 10.30% 9.25%
Free cash flow margin (6,824.26%) 0.00% 13.03%
Return on equity (683.94%) 7.66% 8.49%
Return on assets (601.31%) 4.60% 2.29%
Return on invested capital (270.62%) 7.47% 4.09%

Growth

Metric SUIG XYF Credit Services median
Revenue growth (TTM) (5.33%) (20.10%) 4.62%
EPS growth (last fiscal year) (3,761.11%) 16.67% —
Revenue growth, 5-year CAGR 24.61% 26.59% 9.13%
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric SUIG XYF Credit Services median
Debt to equity 0.00 0.05 0.68
Current ratio 0.62 2.06 1.55
Net debt to EBITDA 0.10 (1.05) 0.13

Dividend

Metric SUIG XYF Credit Services median
Dividend yield — — 3.34%
Payout ratio — 0.00 0.00

Size

Metric SUIG XYF Credit Services median
Market cap 112.69m 119.12m 872.19m

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