Better Home & Finance (BETR) vs X Financial (XYF)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 11, 2026.
Summary
X Financial (XYF) has outperformed Better Home & Finance (BETR) over the past year, losing 60.8% versus a loss of 82.7%. Over five years, XYF leads with a +19.2% price change compared with -98.0% for BETR. X Financial is the larger company by market cap ($190.2 million vs $187.4 million), about 1.0 times the size.
X Financial pays a dividend yielding 74.10%, while Better Home & Finance 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 | BETR | XYF |
|---|---|---|
| Share price | $9.86 | $5.15 |
| Market cap | $187.44M | $190.21M |
| 1-day change | -2.86% | +1.58% |
| YTD return | -69.74% | -8.04% |
| 1-year return | -82.67% | -60.78% |
| 5-year return | -98.02% | +19.21% |
| P/E ratio (TTM) | — | 2.46 |
| Forward P/E | — | 13.92 |
| EPS (TTM) | $-9.70 | $2.09 |
| Dividend yield | 0.00% | 74.10% |
| Annual dividend | $0.00 | $3.82 |
| 52-week high | $92.69 | $14.15 |
| 52-week low | $9.45 | $3.30 |
| Distance from 52-week high | -89.36% | -63.60% |
| Analyst consensus | strong_buy | — |
| Avg. price target upside | +143.41% | — |
| Average volume | 631.82K | 59.69K |
| Shares outstanding | 13.26M | 20.67M |
| Employees | 1,329 | 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
- XYF has outperformed BETR by 21.9 percentage points over the past year.
- X Financial offers a meaningfully higher dividend yield (74.10% vs 0.00%).
About Better Home & Finance
BETR stock →Better Home & Finance Holding Company operates as a homeownership company in the United States. The company provides government-sponsored enterprise (GSE) conforming loans, Federal Housing Administration insured loans, Department of Veterans Affairs guaranteed loans, and jumbo loans to GSEs, banks, insurance companies, asset managers, and mortgage real estate investment trusts.
Finance · Finance: Consumer Services · 1,329 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
BETR vs XYF FAQ
Which is bigger, Better Home & Finance or X Financial?
X Financial (XYF) is larger, with a market capitalization of $190.21M compared with $187.44M for Better Home & Finance (BETR).
Which stock has performed better over the past year, BETR or XYF?
XYF returned -60.78% over the past 12 months, compared with -82.67% for BETR (price return, excluding dividends). Past performance does not predict future results.
Which pays a higher dividend, Better Home & Finance or X Financial?
X Financial pays a dividend yielding 74.10%, while Better Home & Finance does not currently pay a regular dividend.
Are Better Home & Finance and X Financial in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.