Critical Survey: X Financial (NYSE:XYF) and Integrated Ventures (OTCMKTS:INTV)

Institutional & Insider Ownership

1.1% of X Financial shares are owned by institutional investors. 30.1% of Integrated Ventures shares are owned by insiders. Comparatively, 31.6% of X Financial shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Earnings and Valuation

This table compares Integrated Ventures and X Financial”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Integrated Ventures	$5.86 million	1.40	-$11.52 million	($3.34)	-0.48
X Financial	$2.23 billion	0.15	$167.16 million	$3.65	1.84

X Financial has higher revenue and earnings than Integrated Ventures. Integrated Ventures is trading at a lower price-to-earnings ratio than X Financial, indicating that it is currently the more affordable of the two stocks.

Volatility and Risk

Integrated Ventures has a beta of 3.17, indicating that its share price is 217% more volatile than the S&P 500. Comparatively, X Financial has a beta of 0.31, indicating that its share price is 69% less volatile than the S&P 500.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Integrated Ventures	-195.67%	N/A	-217.89%
X Financial	25.38%	20.63%	10.74%

Summary

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

About Integrated Ventures

Integrated Ventures, Inc. engages in the mining of digital currency. The company manufactures and sells mining equipment and mining rigs; as well as develops blockchain software. It also provides transaction verification services for digital currency networks of cryptocurrencies, such as Bitcoin, Quant, and Dogecoin. The company is based in Tioga, Pennsylvania.

About X Financial

X Financial provides personal finance services in the People’s Republic of China. The company offers services as an online marketplace connecting borrowers and investors or institutional funding partners. Its loan products include Xiaoying credit loan, which consists of Xiaoying card loan; and Xiaoying preferred loan to small business owners. The company also offers Xiaoying housing loan, a home equity loan product for property owners; investment products through Xiaoying wealth management platform, such as funds, money market, and insurance products; and loan facilitation services to other platforms. In addition, it engages in the technology development, service, and sale of products; and provision of guarantee and consulting services. The company was incorporated in 2014 and is headquartered in Shenzhen, the People’s Republic of China.