Finance of America Companies (FOA) 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
Finance of America Companies (FOA) has outperformed X Financial (XYF) over the past year, losing 41.0% versus a loss of 64.4%. Over five years, XYF leads with a +17.6% price change compared with -72.8% for FOA. Finance of America Companies is the larger company by market cap ($224.5 million vs $195.4 million), about 1.1 times the size.
On valuation, Finance of America Companies trades at a lower forward P/E (2.5x vs 14.3x for X Financial). X Financial pays a dividend yielding 72.14%, while Finance of America Companies 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 | FOA | XYF |
|---|---|---|
| Share price | $12.97 | $5.29 |
| Market cap | $224.47M | $195.38M |
| 1-day change | -0.15% | +4.13% |
| YTD return | -46.43% | -9.29% |
| 1-year return | -41.05% | -64.35% |
| 5-year return | -72.75% | +17.59% |
| P/E ratio (TTM) | — | 2.53 |
| Forward P/E | 2.54 | 14.30 |
| EPS (TTM) | $-2.11 | $2.09 |
| Dividend yield | 0.00% | 72.14% |
| Annual dividend | $0.00 | $3.82 |
| 52-week high | $29.79 | $14.65 |
| 52-week low | $12.15 | $3.30 |
| Distance from 52-week high | -56.46% | -63.89% |
| Analyst consensus | none | — |
| Avg. price target upside | +139.01% | — |
| Average volume | 61.66K | 59.65K |
| Shares outstanding | 9.22M | 20.67M |
| Employees | 782 | 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
- FOA has outperformed XYF by 23.3 percentage points over the past year.
- X Financial offers a meaningfully higher dividend yield (72.14% vs 0.00%).
About Finance of America Companies
FOA stock →Finance of America Companies Inc. a financial service holding company, through its subsidiaries, provides home equity-based financing solutions for a modern retirement in the United States.
Finance · Finance: Consumer Services · 782 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
FOA vs XYF FAQ
Which is bigger, Finance of America Companies or X Financial?
Finance of America Companies (FOA) is larger, with a market capitalization of $224.47M compared with $195.38M for X Financial (XYF).
Which stock has performed better over the past year, FOA or XYF?
FOA returned -41.05% over the past 12 months, compared with -64.35% for XYF (price return, excluding dividends). Past performance does not predict future results.
Which pays a higher dividend, Finance of America Companies or X Financial?
X Financial pays a dividend yielding 72.14%, while Finance of America Companies does not currently pay a regular dividend.
Are Finance of America Companies and X Financial in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.