Horizon Technology Finance (HRZN) vs X Financial (XYF)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
Horizon Technology Finance (HRZN) has outperformed X Financial (XYF) over the past year, losing 25.3% versus a loss of 65.3%. Over five years, XYF leads with a +17.4% price change compared with -73.5% for HRZN. Horizon Technology Finance is the larger company by market cap ($307.4 million vs $190.2 million), about 1.6 times the size.
On valuation, Horizon Technology Finance trades at a lower forward P/E (6.2x vs 13.9x for X Financial). X Financial offers the higher dividend yield (74.10% vs 24.43%).
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 | HRZN | XYF |
|---|---|---|
| Share price | $4.59 | $5.15 |
| Market cap | $307.35M | $190.21M |
| 1-day change | +0.11% | +1.58% |
| YTD return | -28.99% | -9.46% |
| 1-year return | -25.29% | -65.32% |
| 5-year return | -73.48% | +17.36% |
| P/E ratio (TTM) | 15.81 | 2.46 |
| Forward P/E | 6.22 | 13.92 |
| EPS (TTM) | $0.29 | $2.09 |
| Dividend yield | 24.43% | 74.10% |
| Annual dividend | $1.12 | $3.82 |
| 52-week high | $6.85 | $14.37 |
| 52-week low | $3.80 | $3.30 |
| Distance from 52-week high | -33.07% | -64.16% |
| Analyst consensus | none | — |
| Avg. price target upside | +10.80% | — |
| Average volume | 604.97K | 60.10K |
| Shares outstanding | 67.03M | 20.67M |
| Employees | — | 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
- HRZN has outperformed XYF by 40.0 percentage points over the past year.
- Horizon Technology Finance trades at a higher earnings multiple (15.8x vs 2.5x trailing P/E).
- X Financial offers a meaningfully higher dividend yield (74.10% vs 24.43%).
About Horizon Technology Finance
HRZN stock →Horizon Technology Finance Corporation is a business development company specializing in lending and and investing in development-stage investments. It focuses on making secured debt and venture lending investments to venture capital backed companies in the technology, life science, healthcare information and services, cleantech and sustainability industries.
Finance · Finance: Consumer Services
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
HRZN vs XYF FAQ
Which is bigger, Horizon Technology Finance or X Financial?
Horizon Technology Finance (HRZN) is larger, with a market capitalization of $307.35M compared with $190.21M for X Financial (XYF).
Which stock has performed better over the past year, HRZN or XYF?
HRZN returned -25.29% over the past 12 months, compared with -65.32% for XYF (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, HRZN or XYF?
XYF has the lower trailing P/E at 2.5, versus 15.8 for HRZN. 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, Horizon Technology Finance or X Financial?
X Financial has the higher yield at 74.10%, compared with 24.43% for Horizon Technology Finance.
Are Horizon Technology Finance and X Financial in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.