Head-To-Head Analysis: X Financial (NYSE:XYF) & Integrated Ventures (OTCMKTS:INTV)

X Financial (NYSE:XYF) and Integrated Ventures (OTCMKTS:INTV) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their risk, institutional ownership, analyst recommendations, dividends, valuation, earnings and profitability.

Earnings and Valuation

This table compares X Financial and Integrated Ventures”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
X Financial	$678.16 million	0.47	$167.16 million	$3.65	1.79
Integrated Ventures	$5.86 million	1.34	-$11.52 million	($3.34)	-0.46

X Financial has higher revenue and earnings than Integrated Ventures. Integrated Ventures is trading at a lower price-to-earnings ratio than X Financial, indicating that it is currently the more affordable of the two stocks.

Risk & Volatility

X Financial has a beta of 0.31, meaning that its stock price is 69% less volatile than the S&P 500. Comparatively, Integrated Ventures has a beta of 3.17, meaning that its stock price is 217% more volatile than the S&P 500.

Institutional & Insider Ownership

1.2% of X Financial shares are held by institutional investors. 31.6% of X Financial shares are held by company insiders. Comparatively, 30.1% of Integrated Ventures shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Profitability

This table compares X Financial and Integrated Ventures’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
X Financial	25.38%	20.63%	10.74%
Integrated Ventures	-195.67%	N/A	-217.89%

Analyst Ratings

This is a summary of recent ratings and recommmendations for X Financial and Integrated Ventures, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
X Financial	0	0	0	0	N/A
Integrated Ventures	0	0	0	0	N/A

Summary

X Financial beats Integrated Ventures on 9 of the 11 factors compared between the two stocks.

About X Financial

X Financial provides personal finance services in the People’s Republic of China. The company offers services as an online marketplace connecting borrowers and investors or institutional funding partners. Its loan products include Xiaoying credit loan, which consists of Xiaoying card loan; and Xiaoying preferred loan to small business owners. The company also offers Xiaoying housing loan, a home equity loan product for property owners; investment products through Xiaoying wealth management platform, such as funds, money market, and insurance products; and loan facilitation services to other platforms. In addition, it engages in the technology development, service, and sale of products; and provision of guarantee and consulting services. The company was incorporated in 2014 and is headquartered in Shenzhen, the People’s Republic of China.

About Integrated Ventures

Integrated Ventures, Inc. engages in the mining of digital currency. The company manufactures and sells mining equipment and mining rigs; as well as develops blockchain software. It also provides transaction verification services for digital currency networks of cryptocurrencies, such as Bitcoin, Quant, and Dogecoin. The company is based in Tioga, Pennsylvania.