Chicago Atlantic BDC (LIEN) 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
Chicago Atlantic BDC (LIEN) has outperformed X Financial (XYF) over the past year, losing 11.5% versus a loss of 65.3%. Chicago Atlantic BDC is the larger company by market cap ($208.5 million vs $188.7 million), about 1.1 times the size. On valuation, Chicago Atlantic BDC trades at a lower forward P/E (5.6x vs 13.8x for X Financial).
X Financial offers the higher dividend yield (74.68% vs 14.89%).
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 | LIEN | XYF |
|---|---|---|
| Share price | $9.14 | $5.11 |
| Market cap | $208.50M | $188.73M |
| 1-day change | -2.70% | +0.79% |
| YTD return | -9.10% | -9.46% |
| 1-year return | -11.50% | -65.32% |
| 5-year return | — | +17.36% |
| P/E ratio (TTM) | 6.57 | 2.44 |
| Forward P/E | 5.57 | 13.81 |
| EPS (TTM) | $1.39 | $2.09 |
| Dividend yield | 14.89% | 74.68% |
| Annual dividend | $1.36 | $3.82 |
| 52-week high | $11.27 | $14.37 |
| 52-week low | $8.92 | $3.30 |
| Distance from 52-week high | -18.93% | -64.44% |
| Analyst consensus | none | — |
| Avg. price target upside | +20.40% | — |
| Average volume | 58.63K | 60.10K |
| Shares outstanding | 22.82M | 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
- LIEN has outperformed XYF by 53.8 percentage points over the past year.
- Chicago Atlantic BDC trades at a higher earnings multiple (6.6x vs 2.4x trailing P/E).
- X Financial offers a meaningfully higher dividend yield (74.68% vs 14.89%).
About Chicago Atlantic BDC
LIEN stock →Silver Spike Investment Corp., is a a business development company. It is a specialty finance company, focuses on investing across the cannabis ecosystem through investments in the form of direct loans to, and equity ownership of, privately held cannabis companies.
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
LIEN vs XYF FAQ
Which is bigger, Chicago Atlantic BDC or X Financial?
Chicago Atlantic BDC (LIEN) is larger, with a market capitalization of $208.50M compared with $188.73M for X Financial (XYF).
Which stock has performed better over the past year, LIEN or XYF?
LIEN returned -11.50% 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, LIEN or XYF?
XYF has the lower trailing P/E at 2.4, versus 6.6 for LIEN. 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, Chicago Atlantic BDC or X Financial?
X Financial has the higher yield at 74.68%, compared with 14.89% for Chicago Atlantic BDC.
Are Chicago Atlantic BDC and X Financial in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.