Regional Management (RM) 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
Regional Management (RM) has outperformed X Financial (XYF) over the past year, losing 12.5% versus a loss of 64.4%. Over five years, XYF leads with a +17.6% price change compared with -42.6% for RM. Regional Management is the larger company by market cap ($311.2 million vs $188.0 million), about 1.7 times the size.
On valuation, Regional Management trades at a lower forward P/E (5.7x vs 13.8x for X Financial). X Financial offers the higher dividend yield (74.97% vs 3.56%).
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 | RM | XYF |
|---|---|---|
| Share price | $33.73 | $5.09 |
| Market cap | $311.21M | $187.99M |
| 1-day change | +1.61% | -3.78% |
| YTD return | -14.32% | -9.29% |
| 1-year return | -12.52% | -64.35% |
| 5-year return | -42.61% | +17.59% |
| P/E ratio (TTM) | 7.10 | 2.44 |
| Forward P/E | 5.73 | 13.76 |
| EPS (TTM) | $4.75 | $2.09 |
| Dividend yield | 3.56% | 74.97% |
| Annual dividend | $1.20 | $3.82 |
| 52-week high | $44.30 | $14.65 |
| 52-week low | $29.89 | $3.30 |
| Distance from 52-week high | -23.85% | -65.26% |
| Analyst consensus | none | — |
| Avg. price target upside | +29.93% | — |
| Average volume | 88.37K | 59.65K |
| Shares outstanding | 9.23M | 20.67M |
| Employees | 2,112 | 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
- RM has outperformed XYF by 51.8 percentage points over the past year.
- Regional Management trades at a higher earnings multiple (7.1x vs 2.4x trailing P/E).
- X Financial offers a meaningfully higher dividend yield (74.97% vs 3.56%).
About Regional Management
RM stock →Regional Management Corp., a diversified consumer finance company, provides various installment loan products primarily to customers with limited access to consumer credit from banks, thrifts, credit card companies, and other lenders in the United States. It offers small and large loans, and related payment and collateral protection insurance products.
Finance · Finance: Consumer Services · 2,112 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
RM vs XYF FAQ
Which is bigger, Regional Management or X Financial?
Regional Management (RM) is larger, with a market capitalization of $311.21M compared with $187.99M for X Financial (XYF).
Which stock has performed better over the past year, RM or XYF?
RM returned -12.52% over the past 12 months, compared with -64.35% for XYF (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, RM or XYF?
XYF has the lower trailing P/E at 2.4, versus 7.1 for RM. 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, Regional Management or X Financial?
X Financial has the higher yield at 74.97%, compared with 3.56% for Regional Management.
Are Regional Management and X Financial in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.