X Financial (XYF) vs Z Squared (ZSQR)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 10, 2026.
Summary
X Financial (XYF) has outperformed Z Squared (ZSQR) over the past year, losing 63.8% versus a loss of 65.0%. Over five years, XYF leads with a +19.2% price change compared with -97.2% for ZSQR. Z Squared is the larger company by market cap ($300.0 million vs $190.2 million), about 1.6 times the size.
X Financial pays a dividend yielding 74.10%, while Z Squared 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 | XYF | ZSQR |
|---|---|---|
| Share price | $5.15 | $5.66 |
| Market cap | $190.21M | $299.98M |
| 1-day change | +1.58% | +14.34% |
| YTD return | -8.04% | -60.28% |
| 1-year return | -63.81% | -64.98% |
| 5-year return | +19.21% | -97.16% |
| P/E ratio (TTM) | 2.46 | — |
| Forward P/E | 13.92 | — |
| EPS (TTM) | $2.09 | $-1.50 |
| Dividend yield | 74.10% | 0.00% |
| Annual dividend | $3.82 | $0.00 |
| 52-week high | $14.15 | $21.41 |
| 52-week low | $3.30 | $2.11 |
| Distance from 52-week high | -63.60% | -73.56% |
| Average volume | 59.69K | 457.04K |
| Shares outstanding | 20.67M | 53.00M |
| 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
- X Financial offers a meaningfully higher dividend yield (74.10% vs 0.00%).
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
About Z Squared
ZSQR stock →Z Squared Inc. operates as a computing and digital infrastructure company in North Carolina, South Carolina, and Iowa.
Finance · Finance: Consumer Services
XYF vs ZSQR FAQ
Which is bigger, X Financial or Z Squared?
Z Squared (ZSQR) is larger, with a market capitalization of $299.98M compared with $190.21M for X Financial (XYF).
Which stock has performed better over the past year, XYF or ZSQR?
XYF returned -63.81% over the past 12 months, compared with -64.98% for ZSQR (price return, excluding dividends). Past performance does not predict future results.
Which pays a higher dividend, X Financial or Z Squared?
X Financial pays a dividend yielding 74.10%, while Z Squared does not currently pay a regular dividend.
Are X Financial and Z Squared in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.