Amber International (AMBR) vs X Financial (XYF)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Amber International (AMBR) has outperformed X Financial (XYF) over the past year, losing 24.3% versus a loss of 64.4%. Over five years, XYF leads with a +17.6% price change compared with -96.5% for AMBR. Amber International is the larger company by market cap ($195.1 million vs $187.3 million), about 1.0 times the size.
On valuation, X Financial trades at a lower trailing P/E (2.4x vs 103.5x for Amber International). X Financial pays a dividend yielding 75.27%, while Amber International does not currently pay one.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | AMBR | XYF |
|---|---|---|
| Share price | $2.07 | $5.07 |
| Market cap | $195.15M | $187.25M |
| 1-day change | -9.21% | -4.16% |
| YTD return | +31.79% | -9.29% |
| 1-year return | -24.25% | -64.35% |
| 5-year return | -96.49% | +17.59% |
| P/E ratio (TTM) | 103.50 | 2.43 |
| Forward P/E | — | 13.70 |
| EPS (TTM) | $0.02 | $2.09 |
| Dividend yield | 0.00% | 75.27% |
| Annual dividend | $0.00 | $3.82 |
| 52-week high | $3.16 | $14.65 |
| 52-week low | $0.83 | $3.30 |
| Distance from 52-week high | -34.49% | -65.39% |
| Average volume | 464.50K | 59.65K |
| Shares outstanding | 87.03M | 20.67M |
| Employees | 295 | 643 |
| Sector | Finance | Finance |
| Industry | Finance: Consumer Services | Finance: Consumer Services |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- AMBR has outperformed XYF by 40.1 percentage points over the past year.
- Amber International trades at a higher earnings multiple (103.5x vs 2.4x trailing P/E).
- X Financial offers a meaningfully higher dividend yield (75.27% vs 0.00%).
About Amber International
AMBR stock →Amber International Holding Limited operates a digital asset wealth management platform in Hong Kong. It acts as the institutional gateway to crypto finance; and provides market access, execution infrastructure, and investment solutions for institutional investors and high-net-worth individuals (HNWIs).
Finance · Finance: Consumer Services · 295 employees
About X Financial
XYF stock →X Financial, together with its subsidiaries, operates as an online personal finance company in the People's Republic of China. The company offers Xiaoying credit loans, which are online personal credit loan products comprising Xiaoying card loans and other unsecured loan products; and Xiaoying housing loans, a secured home equity loan product.
Finance · Finance: Consumer Services · 643 employees
AMBR vs XYF FAQ
Which is bigger, Amber International or X Financial?
Amber International (AMBR) is larger, with a market capitalization of $195.15M compared with $187.25M for X Financial (XYF).
Which stock has performed better over the past year, AMBR or XYF?
AMBR returned -24.25% over the past 12 months, compared with -64.35% for XYF (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, AMBR or XYF?
XYF has the lower trailing P/E at 2.4, versus 103.5 for AMBR. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Amber International or X Financial?
X Financial pays a dividend yielding 75.27%, while Amber International does not currently pay a regular dividend.
Are Amber International and X Financial in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.