XYF vs JFIN vs QFIN vs FINV vs LX

For growth investors, X Financial (XYF) is the stronger pick with 79.

2% revenue growth year-over-year, versus 3. 7% for FinVolution Group (FINV). 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 Jiayin Group Inc. (JFIN) a "Buy" — based on 1 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.

On trailing P/E, X Financial (XYF) is the cheapest at 0.

2x versus FinVolution Group at 3. 9x. On forward P/E, X Financial is actually cheaper at 0. 3x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: X Financial wins at 0. 00x versus FinVolution Group's 0. 19x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.

Over the past 5 years, X Financial (XYF) delivered a total return of +58.

0%, compared to -63. 9% for LexinFintech Holdings Ltd. (LX). Over 10 years, the gap is even starker: QFIN returned +15. 7% versus XYF's -81. 7%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), X Financial (XYF) is the lower-risk stock at 1.

00β versus LexinFintech Holdings Ltd. 's 1. 26β — meaning LX is approximately 26% more volatile than XYF relative to the S&P 500. On balance sheet safety, FinVolution Group (FINV) carries a lower debt/equity ratio of 0% versus 49% for LexinFintech Holdings Ltd. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), X Financial (XYF) is pulling ahead at 79.

2% versus 3. 7% for FinVolution Group (FINV). On earnings-per-share growth, the picture is similar: Qfin Holdings, Inc. grew EPS 60. 7% year-over-year, compared to -18. 0% for Jiayin Group Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

Qfin Holdings, Inc.

(QFIN) is the more profitable company, earning 36. 5% net margin versus 7. 7% for LexinFintech Holdings Ltd. — meaning it keeps 36. 5% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: QFIN leads at 43. 9% versus 16. 1% for LX. At the gross margin level — before operating expenses — FINV leads at 79. 3%, 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.

The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.

By this metric, X Financial (XYF) is the more undervalued stock at a PEG of 0. 00x versus FinVolution Group's 0. 19x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, X Financial (XYF) trades at 0. 3x forward P/E versus 0. 6x for FinVolution Group — 0. 4x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for QFIN: 114. 1% to $28. 15.

All stocks in this comparison pay dividends.

Jiayin Group Inc. (JFIN) offers the highest yield at 16. 8%, versus 4. 8% for FinVolution Group (FINV).

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 1.

00), 7. 0% yield). Both have compounded well over 10 years (XYF: -81. 7%, LX: -73. 5%), 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.

These companies operate in different sectors (XYF (Financial Services) and JFIN (Communication Services) and QFIN (Financial Services) and FINV (Financial Services) and LX (Financial Services)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.

In terms of investment character: XYF is a small-cap high-growth stock; JFIN is a small-cap deep-value stock; QFIN is a small-cap deep-value stock; FINV is a small-cap deep-value stock; LX is a small-cap deep-value stock. 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.