TROOPS (TROO) 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
TROOPS (TROO) has outperformed X Financial (XYF) over the past year, gaining 19.3% versus a loss of 65.3%. Over five years, XYF leads with a +17.4% price change compared with -74.0% for TROO. TROOPS is the larger company by market cap ($192.4 million vs $187.3 million), about 1.0 times the size.
X Financial pays a dividend yielding 75.27%, while TROOPS 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 | TROO | XYF |
|---|---|---|
| Share price | $1.58 | $5.07 |
| Market cap | $192.40M | $187.25M |
| 1-day change | -2.17% | -4.16% |
| YTD return | -50.78% | -9.46% |
| 1-year return | +19.32% | -65.32% |
| 5-year return | -73.97% | +17.36% |
| P/E ratio (TTM) | — | 2.43 |
| Forward P/E | — | 13.70 |
| EPS (TTM) | $-0.23 | $2.09 |
| Dividend yield | 0.00% | 75.27% |
| Annual dividend | $0.00 | $3.82 |
| 52-week high | $5.28 | $14.37 |
| 52-week low | $1.02 | $3.30 |
| Distance from 52-week high | -70.17% | -64.72% |
| Average volume | 293.95K | 60.10K |
| Shares outstanding | 122.16M | 20.67M |
| Employees | 47 | 643 |
| Sector | Finance | Finance |
| Industry | Diversified Financial 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
- TROO has outperformed XYF by 84.6 percentage points over the past year.
- X Financial offers a meaningfully higher dividend yield (75.27% vs 0.00%).
About TROOPS
TROO stock →TROOPS, Inc., together with its subsidiaries, provides consultancy services for insurance products in Hong Kong, Australia, and the People's Republic of China. The company also provides mortgage, personal, and corporate loans; and advisory and referral services in relation to the application of migration, education and visa renewal to its customers.
Finance · Diversified Financial Services · 47 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
TROO vs XYF FAQ
Which is bigger, TROOPS or X Financial?
TROOPS (TROO) is larger, with a market capitalization of $192.40M compared with $187.25M for X Financial (XYF).
Which stock has performed better over the past year, TROO or XYF?
TROO returned +19.32% over the past 12 months, compared with -65.32% for XYF (price return, excluding dividends). Past performance does not predict future results.
Which pays a higher dividend, TROOPS or X Financial?
X Financial pays a dividend yielding 75.27%, while TROOPS does not currently pay a regular dividend.
Are TROOPS and X Financial in the same industry?
Both are in the Finance sector, but in different industries: Diversified Financial Services for TROOPS and Finance: Consumer Services for X Financial.