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Screener Weekly Summary Pricing

Weidai Ltd. Sponsored ADR (WEI) vs X Financial Sponsored ADR (XYF)

Weidai Ltd. Sponsored ADR and X Financial Sponsored ADR are both Credit Services companies. X Financial Sponsored ADR is the larger, with a market value of $119.1M against $67.6M — 1.8× the size. Weidai Ltd. Sponsored ADR has negative trailing earnings, so its P/E is not meaningful; X Financial Sponsored ADR trades at 2.4×. X Financial Sponsored ADR grew revenue faster over the last twelve months: −20.1% against −26.6%. X Financial Sponsored ADR has the higher net margin (10.3% vs −29.5%) and the higher return on invested capital (7.47% vs 0.00%). Across the 18 metrics below, X Financial Sponsored ADR leads on 11 and Weidai Ltd. Sponsored ADR on 7.

Valuation

Metric WEI XYF Credit Services median
P/E n/m 2.37 9.64
P/S 0.03 0.24 0.87
P/B 0.07 0.17 1.16
Price to free cash flow 0.03 0.34 2.99
EV/EBITDA n/m n/m 9.58
EV/Sales (0.16) (0.04) 2.32
Earnings yield (145.83%) 42.12% 6.72%
Free cash flow yield 3,993.56% 290.10% 12.33%

Profitability

Metric WEI XYF Credit Services median
Gross margin 0.00% 65.54% 77.13%
Operating margin 0.00% 13.22% 0.34%
Net margin (29.49%) 10.30% 9.25%
Free cash flow margin 0.00% 0.00% 13.03%
Return on equity (36.15%) 7.66% 8.49%
Return on assets (20.21%) 4.60% 2.29%
Return on invested capital 0.00% 7.47% 4.09%

Growth

Metric WEI XYF Credit Services median
Revenue growth (TTM) (26.60%) (20.10%) 4.62%
EPS growth (last fiscal year) (63.87%) 16.67% —
Revenue growth, 5-year CAGR (16.00%) 26.59% 9.13%
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric WEI XYF Credit Services median
Debt to equity 0.01 0.05 0.68
Current ratio 2.20 2.06 1.55
Net debt to EBITDA 0.67 (1.05) 0.13

Dividend

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

Size

Metric WEI XYF Credit Services median
Market cap 67.64m 119.12m 872.19m

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