USBC (USBC) 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
USBC (USBC) has outperformed X Financial (XYF) over the past year, losing 52.8% versus a loss of 65.3%. Over five years, XYF leads with a +17.4% price change compared with -99.5% for USBC. USBC is the larger company by market cap ($194.3 million vs $187.3 million), about 1.0 times the size.
On valuation, USBC trades at a lower trailing P/E (0.2x vs 2.5x for X Financial). X Financial pays a dividend yielding 75.27%, while USBC 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 | USBC | XYF |
|---|---|---|
| Share price | $0.5007 | $5.07 |
| Market cap | $194.34M | $187.25M |
| 1-day change | -7.28% | -4.16% |
| YTD return | -20.52% | -9.46% |
| 1-year return | -52.76% | -65.32% |
| 5-year return | -99.50% | +17.36% |
| P/E ratio (TTM) | 0.21 | 2.52 |
| Forward P/E | — | 13.70 |
| EPS (TTM) | $2.34 | $2.01 |
| Dividend yield | 0.00% | 75.27% |
| Annual dividend | $0.00 | $3.82 |
| 52-week high | $1.29 | $14.37 |
| 52-week low | $0.29 | $3.30 |
| Distance from 52-week high | -61.19% | -64.72% |
| Average volume | 318.48K | 60.10K |
| Shares outstanding | 388.14M | 20.67M |
| Employees | 16 | 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
- USBC has outperformed XYF by 12.6 percentage points over the past year.
- X Financial trades at a higher earnings multiple (2.5x vs 0.2x trailing P/E).
- X Financial offers a meaningfully higher dividend yield (75.27% vs 0.00%).
About USBC
USBC stock →USBC, Inc., together with its subsidiaries, operates in digital financial technologies business in United States. The company develops transformative financial services, including digital assets, banking solutions, and non-invasive health monitoring research.
Finance · Finance: Consumer Services · 16 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
USBC vs XYF FAQ
Which is bigger, USBC or X Financial?
USBC (USBC) is larger, with a market capitalization of $194.34M compared with $187.25M for X Financial (XYF).
Which stock has performed better over the past year, USBC or XYF?
USBC returned -52.76% 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, USBC or XYF?
USBC has the lower trailing P/E at 0.2, versus 2.5 for XYF. 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, USBC or X Financial?
X Financial pays a dividend yielding 75.27%, while USBC does not currently pay a regular dividend.
Are USBC and X Financial in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.