Nicholas Financial Inc. (NICK)’s Financial Results Comparing With X Financial (NYSE:XYF)

Nicholas Financial Inc. (NASDAQ:NICK) and X Financial (NYSE:XYF) have been rivals in the Credit Services for quite some time. Below is a review of each business including various aspects such as analyst recommendations, profitability, risk, institutional ownership, dividends, earnings and valuation.

Earnings and Valuation

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Nicholas Financial Inc. 34.64M 2.05 1.72M 0.19 54.28
X Financial N/A 0.00 N/A 0.79 8.78

We can see in table 1 the earnings per share, top-line revenue and valuation of Nicholas Financial Inc. and X Financial. Business that presently has a higher price-to-earnings ratio means that it is the more expensive of the two businesses. Nicholas Financial Inc. is trading at a higher price-to-earnings ratio than X Financial, indicating that it is presently more expensive of the two stocks.

Profitability

Table 2 has Nicholas Financial Inc. and X Financial’s net margins, return on assets and return on equity.

Net Margins Return on Equity Return on Assets
Nicholas Financial Inc. 4.97% 1.6% 0.7%
X Financial 0.00% 0% 0%

Insider and Institutional Ownership

Roughly 40.2% of Nicholas Financial Inc. shares are owned by institutional investors while 1.7% of X Financial are owned by institutional investors. About 0.3% of Nicholas Financial Inc.’s share are owned by insiders.

Performance

Here are the Weekly, Monthly, Quarterly, Half Yearly, Yearly and YTD Performance of both pretenders.

Performance (W) Performance (M) Performance (Q) Performance (HY) Performance (Y) Performance (YTD)
Nicholas Financial Inc. -0.59% -3.52% -12.73% -8.14% 11.54% -2.4%
X Financial -1.84% 22.79% -9.15% 0% 0% 62.76%

For the past year Nicholas Financial Inc. has -2.4% weaker performance while X Financial has 62.76% stronger performance.

Summary

Nicholas Financial Inc. beats X Financial on 8 of the 10 factors.

Nicholas Financial, Inc. operates as a specialized consumer finance company in the United States. The company engages in acquiring and servicing automobile finance installment contracts for the purchase of new and used automobiles and light trucks. It also originates direct consumer loans and sells consumer-finance related products. The company operates through 65 branch offices located in Alabama, Florida, Georgia, Illinois, Indiana, Kansas, Kentucky, Maryland, Michigan, Missouri, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, and Virginia. Nicholas Financial, Inc. was founded in 1986 and is headquartered in Clearwater, Florida.

X Financial provides personal finance services in the People's Republic of China. The company offers a suite of products connecting borrowers and investors through a proprietary Internet platform. It provides loan products, which include Xiaoying card loan and Xiaoying preferred loan; and investment opportunities through wealth management platform, Xiaoying wealth management with insurance protection. X Financial was founded in 2014 and is headquartered in Shenzhen, the People's Republic of China.

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