X Financial (XYF) & Blucora (BCOR) Head to Head Survey

X Financial (NYSE:XYF) and Blucora (NASDAQ:BCOR) are both small-cap finance companies, but which is the better stock? We will contrast the two companies based on the strength of their valuation, risk, earnings, institutional ownership, profitability, dividends and analyst recommendations.

Profitability

This table compares X Financial and Blucora’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
X Financial N/A N/A N/A
Blucora 13.71% 14.56% 8.69%

Institutional and Insider Ownership

95.4% of Blucora shares are owned by institutional investors. 2.9% of Blucora shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Earnings & Valuation

This table compares X Financial and Blucora’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
X Financial $270.04 million 3.92 $51.42 million N/A N/A
Blucora $509.56 million 2.91 $27.03 million $1.22 25.38

X Financial has higher earnings, but lower revenue than Blucora.

Analyst Recommendations

This is a breakdown of recent ratings and target prices for X Financial and Blucora, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
X Financial 0 2 0 0 2.00
Blucora 0 1 5 0 2.83

Blucora has a consensus target price of $38.05, indicating a potential upside of 22.89%. Given Blucora’s stronger consensus rating and higher possible upside, analysts clearly believe Blucora is more favorable than X Financial.

Summary

Blucora beats X Financial on 9 of the 11 factors compared between the two stocks.

About X Financial

X Financial provides personal finance services in the People's Republic of China. The company offers a suite of products connecting borrowers and investors through a proprietary Internet platform. It provides loan products, which include Xiaoying card loan and Xiaoying preferred loan; and investment opportunities through wealth management platform, Xiaoying wealth management with insurance protection. X Financial was founded in 2014 and is headquartered in Shenzhen, the People's Republic of China.

About Blucora

Blucora, Inc. provides technology-enabled financial solutions to consumers, small business owners, and tax professionals in the United States. The company operates through two segments, Wealth Management and Tax Preparation. The Wealth Management segment offers an integrated platform of brokerage, investment advisory, and insurance services to financial advisors. The Tax Preparation segment provides digital do-it-yourself tax preparation solutions for consumers and small business owners through TaxAct.com; and ancillary services, including refund payment transfer, audit defense, stored value cards, retirement investment accounts, tax preparation support services, data archive services, and e-filing services. This segment also offers professional tax preparer software. The company was formerly known as InfoSpace, Inc. and changed its name to Blucora, Inc. in June 2012. Blucora, Inc. was founded in 1996 and is headquartered in Irving, Texas.

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