Medallion Financial (MFIN) 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
Medallion Financial (MFIN) has outperformed X Financial (XYF) over the past year, gaining 21.5% versus a loss of 65.3%. Over five years, MFIN leads with a +41.6% price change compared with +17.4% for XYF. Medallion Financial is the larger company by market cap ($276.7 million vs $187.3 million), about 1.5 times the size.
On valuation, Medallion Financial trades at a lower forward P/E (8.0x vs 13.7x for X Financial). X Financial offers the higher dividend yield (75.27% vs 4.15%).
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 | MFIN | XYF |
|---|---|---|
| Share price | $12.05 | $5.07 |
| Market cap | $276.67M | $187.25M |
| 1-day change | +2.21% | -4.16% |
| YTD return | +17.10% | -9.46% |
| 1-year return | +21.47% | -65.32% |
| 5-year return | +41.60% | +17.36% |
| P/E ratio (TTM) | 9.06 | 2.43 |
| Forward P/E | 7.98 | 13.70 |
| EPS (TTM) | $1.33 | $2.09 |
| Dividend yield | 4.15% | 75.27% |
| Annual dividend | $0.50 | $3.82 |
| 52-week high | $12.26 | $14.37 |
| 52-week low | $7.85 | $3.30 |
| Distance from 52-week high | -1.71% | -64.72% |
| Analyst consensus | buy | — |
| Avg. price target upside | -4.56% | — |
| Average volume | 66.60K | 60.10K |
| Shares outstanding | 22.96M | 20.67M |
| Employees | 179 | 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
- MFIN has outperformed XYF by 86.8 percentage points over the past year.
- Medallion Financial trades at a higher earnings multiple (9.1x vs 2.4x trailing P/E).
- X Financial offers a meaningfully higher dividend yield (75.27% vs 4.15%).
About Medallion Financial
MFIN stock →Medallion Financial Corp., together with its subsidiaries, operates as a specialty finance company in the United States. It operates in four segments: Recreation Lending, Home Improvement Lending, Commercial Loans, Taxi Medallion Lending.
Finance · Finance: Consumer Services · 179 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
MFIN vs XYF FAQ
Which is bigger, Medallion Financial or X Financial?
Medallion Financial (MFIN) is larger, with a market capitalization of $276.67M compared with $187.25M for X Financial (XYF).
Which stock has performed better over the past year, MFIN or XYF?
MFIN returned +21.47% 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, MFIN or XYF?
XYF has the lower trailing P/E at 2.4, versus 9.1 for MFIN. 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, Medallion Financial or X Financial?
X Financial has the higher yield at 75.27%, compared with 4.15% for Medallion Financial.
Are Medallion Financial and X Financial in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.