Comprehensive Stock Comparison
Compare X Financial (XYF) vs Enova International, Inc. (ENVA) Stock
Analyze side-by-side fundamentals, valuation, growth, and profitability to decide which stock is the better buy.
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Quick Verdict
| Category | Winner | Why |
|---|---|---|
| Growth | XYF | 79.2% revenue growth vs ENVA's 18.6% |
| Value | XYF | Lower P/E (0.3x vs 9.0x) |
| Quality / Margins | XYF | 26.2% net margin vs ENVA's 9.8% |
| Stability / Safety | XYF | Beta 0.72 vs ENVA's 1.38, lower leverage |
| Dividends | XYF | 7.0% yield; 1-year raise streak; ENVA pays no meaningful dividend |
| Momentum (1Y) | ENVA | +34.6% vs XYF's -45.7% |
| Efficiency (ROA) | XYF | 12.2% ROA vs ENVA's 4.8%, ROIC 20.5% vs 10.4% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Defensive / Recession hedge
Business Model
What each company does and how it makes money
X Financial operates as an online marketplace connecting borrowers with investors in China. It generates revenue primarily through loan facilitation fees from its credit products — including personal loans, small business loans, and home equity loans — along with wealth management services. The company's competitive advantage lies in its digital-first platform that efficiently matches borrowers and investors while leveraging data analytics for credit assessment in China's underserved personal finance market.
Enova International is an online financial services provider that offers installment loans, lines of credit, and other financing products to consumers and small businesses through digital platforms. It generates revenue primarily from interest and fees on its loans — with consumer lending accounting for roughly 80% of revenue and small business lending making up the remaining 20%. The company's competitive advantage lies in its proprietary technology and analytics platform that enables rapid, data-driven credit decisions for near-prime borrowers who are often underserved by traditional banks.
Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
XYF leads in 3 of 6 categories (Financial Metrics, Valuation Metrics). ENVA leads in 1 (Total Returns). 1 tied.
Financial Metrics (TTM)
XYF is the larger business by revenue, generating $5.9B annually — 1.9x ENVA's $3.2B. XYF is the more profitable business, keeping 26.2% of every revenue dollar as net income compared to ENVA's 9.8%.
| Metric | XYFX Financial | ENVAEnova Internation… |
|---|---|---|
| RevenueTrailing 12 months | $5.9B | $3.2B |
| EBITDAEarnings before interest/tax | $2.1B | $781M |
| Net IncomeAfter-tax profit | $1.8B | $308M |
| Free Cash FlowCash after capex | $0 | $1.8B |
| Gross MarginGross profit ÷ Revenue | +66.6% | +50.1% |
| Operating MarginEBIT ÷ Revenue | +31.9% | +23.5% |
| Net MarginNet income ÷ Revenue | +26.2% | +9.8% |
| FCF MarginFCF ÷ Revenue | +25.7% | +56.2% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +30.2% | +30.4% |
Valuation Metrics
At 0.2x trailing earnings, XYF trades at a 98% valuation discount to ENVA's 12.0x P/E. On an enterprise value basis, XYF's 3.2x EV/EBITDA is more attractive than ENVA's 10.1x.
| Metric | XYFX Financial | ENVAEnova Internation… |
|---|---|---|
| Market CapShares × price | $1.2B | $3.4B |
| Enterprise ValueMkt cap + debt − cash | $869M | $7.9B |
| Trailing P/EPrice ÷ TTM EPS | 0.18x | 12.01x |
| Forward P/EPrice ÷ next-FY EPS est. | 0.33x | 8.97x |
| PEG RatioP/E ÷ EPS growth rate | 0.00x | — |
| EV / EBITDAEnterprise value multiple | 3.17x | 10.06x |
| Price / SalesMarket cap ÷ Revenue | 1.46x | 1.09x |
| Price / BookPrice ÷ Book value/share | 0.24x | 2.74x |
| Price / FCFMarket cap ÷ FCF | 5.67x | 1.94x |
Profitability & Efficiency
ENVA delivers a 23.1% return on equity — every $100 of shareholder capital generates $23 in annual profit, vs $23 for XYF. XYF carries lower financial leverage with a 0.05x debt-to-equity ratio, signaling a more conservative balance sheet compared to ENVA's 3.37x. On the Piotroski fundamental quality scale (0–9), XYF scores 7/9 vs ENVA's 6/9, reflecting strong financial health.
| Metric | XYFX Financial | ENVAEnova Internation… |
|---|---|---|
| ROE (TTM)Return on equity | +22.6% | +23.1% |
| ROA (TTM)Return on assets | +12.2% | +4.8% |
| ROICReturn on invested capital | +20.5% | +10.4% |
| ROCEReturn on capital employed | +17.2% | +13.5% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 6 |
| Debt / EquityFinancial leverage | 0.05x | 3.37x |
| Net DebtTotal debt minus cash | -$2.6B | $4.4B |
| Cash & Equiv.Liquid assets | $2.9B | $72M |
| Total DebtShort + long-term debt | $341M | $4.5B |
| Interest CoverageEBIT ÷ Interest expense | 1.49x | 2.88x |
Total Returns (with DRIP)
A $10,000 investment in ENVA five years ago would be worth $44,143 today (with dividends reinvested), compared to $17,226 for XYF. Over the past 12 months, ENVA leads with a +34.6% total return vs XYF's -45.7%. The 3-year compound annual growth rate (CAGR) favors ENVA at 41.8% vs XYF's 23.4% — a key indicator of consistent wealth creation.
| Metric | XYFX Financial | ENVAEnova Internation… |
|---|---|---|
| YTD ReturnYear-to-date | -13.8% | -14.1% |
| 1-Year ReturnPast 12 months | -45.7% | +34.6% |
| 3-Year ReturnCumulative with dividends | +87.9% | +185.2% |
| 5-Year ReturnCumulative with dividends | +72.3% | +341.4% |
| 10-Year ReturnCumulative with dividends | -82.5% | +2305.7% |
| CAGR (3Y)Annualised 3-year return | +23.4% | +41.8% |
Risk & Volatility
XYF is the less volatile stock with a 0.72 beta — it tends to amplify market swings less than ENVA's 1.38 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. ENVA currently trades 78.7% from its 52-week high vs XYF's 24.5% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | XYFX Financial | ENVAEnova Internation… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.72x | 1.38x |
| 52-Week HighHighest price in past year | $20.36 | $176.68 |
| 52-Week LowLowest price in past year | $4.78 | $79.41 |
| % of 52W HighCurrent price vs 52-week peak | +24.5% | +78.7% |
| RSI (14)Momentum oscillator 0–100 | 39.6 | 46.6 |
| Avg Volume (50D)Average daily shares traded | 202K | 275K |
Analyst Outlook
XYF is the only dividend payer here at 6.98% yield — a key consideration for income-focused portfolios.
| Metric | XYFX Financial | ENVAEnova Internation… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy |
| Price TargetConsensus 12-month target | — | $193.00 |
| # AnalystsCovering analysts | — | 10 |
| Dividend YieldAnnual dividend ÷ price | +7.0% | — |
| Dividend StreakConsecutive years of raises | 1 | 1 |
| Dividend / ShareAnnual DPS | $2.39 | — |
| Buyback YieldShare repurchases ÷ mkt cap | +2.1% | 0.0% |
Historical Charts
Charts are rendered on first load. Hover for details.
Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Mar 20 | Feb 26 | Change |
|---|---|---|---|
| X Financial (XYF) | 100 | 121.53 | +21.5% |
| Enova International… (ENVA) | 100 | 881.24 | +781.2% |
Enova International… (ENVA) returned +341% over 5 years vs X Financial (XYF)'s +72%. A $10,000 investment in ENVA 5 years ago would be worth $44,143 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| X Financial (XYF) | $-39M | $5.9B | +15091.1% |
| Enova International… (ENVA) | $746M | $3.2B | +322.7% |
Enova International, Inc.'s revenue grew from $746M (2016) to $3.2B (2025) — a 17.4% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| X Financial (XYF) | 3.1% | 26.2% | +759.1% |
| Enova International… (ENVA) | 4.6% | 9.8% | +110.8% |
Enova International, Inc.'s net margin went from 5% (2016) to 10% (2025).
Chart 4P/E Ratio History — 9 Years
| Stock | 2017 | 2025 | Change |
|---|---|---|---|
| X Financial (XYF) | 0.7 | 0 | -100.0% |
| Enova International… (ENVA) | 17.7 | 13.6 | -23.2% |
X Financial has traded in a 0x–1x P/E range over 6 years; current trailing P/E is ~0x. Enova International, Inc. has traded in a 2x–18x P/E range over 9 years; current trailing P/E is ~12x.
Chart 5EPS Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| X Financial (XYF) | -2.37 | 189 | +8074.7% |
| Enova International… (ENVA) | 1.03 | 11.58 | +1024.3% |
Enova International, Inc.'s EPS grew from $1.03 (2016) to $11.58 (2025) — a 31% CAGR.
Chart 6Free Cash Flow — 5 Years
X Financial generated $2B FCF in 2024 (+238% vs 2021). Enova International, Inc. generated $2B FCF in 2025 (+301% vs 2021).
XYF vs ENVA: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is XYF or ENVA a better buy right now?
X Financial (XYF) offers the better valuation at 0.2x trailing P/E (0.3x forward), making it the more compelling value choice. Analysts rate Enova International, Inc. (ENVA) a "Buy" — based on 10 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — XYF or ENVA?
On trailing P/E, X Financial (XYF) is the cheapest at 0.2x versus Enova International, Inc. at 12.0x. On forward P/E, X Financial is actually cheaper at 0.3x.
03Which is the better long-term investment — XYF or ENVA?
Over the past 5 years, Enova International, Inc. (ENVA) delivered a total return of +341.4%, compared to +72.3% for X Financial (XYF). A $10,000 investment in ENVA five years ago would be worth approximately $44K today (assuming dividends reinvested). Over 10 years, the gap is even starker: ENVA returned +23.1% versus XYF's -82.5%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — XYF or ENVA?
By beta (market sensitivity over 5 years), X Financial (XYF) is the lower-risk stock at 0.72β versus Enova International, Inc.'s 1.38β — meaning ENVA is approximately 92% more volatile than XYF relative to the S&P 500. On balance sheet safety, X Financial (XYF) carries a lower debt/equity ratio of 5% versus 3% for Enova International, Inc. — giving it more financial flexibility in a downturn.
05Which has better profit margins — XYF or ENVA?
X Financial (XYF) is the more profitable company, earning 26.2% net margin versus 9.8% for Enova International, Inc. — meaning it keeps 26.2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: XYF leads at 31.9% versus 23.5% for ENVA. At the gross margin level — before operating expenses — XYF leads at 66.6%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
06Is XYF or ENVA more undervalued right now?
On forward earnings alone, X Financial (XYF) trades at 0.3x forward P/E versus 9.0x for Enova International, Inc. — 8.6x cheaper on a one-year earnings basis.
07Which pays a better dividend — XYF or ENVA?
In this comparison, XYF (7.0% yield) pays a dividend. ENVA does not pay a meaningful dividend and should not be held primarily for income.
08Is XYF or ENVA better for a retirement portfolio?
For long-horizon retirement investors, X Financial (XYF) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.72), 7.0% yield). Both have compounded well over 10 years (XYF: -82.5%, ENVA: +23.1%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
09What are the main differences between XYF and ENVA?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both. XYF pays a dividend while ENVA does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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