X Financial (NYSE:XYF) vs. Marathon Digital (NASDAQ:MARA) Head-To-Head Survey

Marathon Digital (NASDAQ:MARA) and X Financial (NYSE:XYF) are both finance companies, but which is the better business? We will compare the two companies based on the strength of their profitability, institutional ownership, valuation, risk, analyst recommendations, earnings and dividends.

Risk & Volatility

Marathon Digital has a beta of 5.34, meaning that its share price is 434% more volatile than the S&P 500. Comparatively, X Financial has a beta of 0.46, meaning that its share price is 54% less volatile than the S&P 500.

Insider & Institutional Ownership

44.5% of Marathon Digital shares are held by institutional investors. Comparatively, 1.1% of X Financial shares are held by institutional investors. 0.8% of Marathon Digital shares are held by company insiders. Comparatively, 31.6% of X Financial shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Valuation & Earnings

This table compares Marathon Digital and X Financial”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Marathon Digital	$919.17 million	4.39	$541.25 million	$1.80	5.93
X Financial	$3.44 billion	0.08	$210.97 million	$5.66	1.16

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

Analyst Recommendations

This is a breakdown of recent recommendations for Marathon Digital and X Financial, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Marathon Digital	0	4	8	0	2.67
X Financial	0	1	0	0	2.00

Marathon Digital presently has a consensus target price of $23.56, suggesting a potential upside of 120.87%. Given Marathon Digital’s stronger consensus rating and higher possible upside, equities research analysts plainly believe Marathon Digital is more favorable than X Financial.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Marathon Digital	100.82%	-2.59%	-1.53%
X Financial	22.75%	24.56%	14.10%

Summary

Marathon Digital beats X Financial on 9 of the 14 factors compared between the two stocks.

About Marathon Digital

MARA Holdings, Inc. operates as a digital asset technology company that mines digital assets with a focus on the bitcoin ecosystem in United States. The company was formerly known as Marathon Digital Holdings, Inc. and changed its name to MARA Holdings, Inc. in August 2024. MARA Holdings, Inc. was incorporated in 2010 and is headquartered in Fort Lauderdale, Florida.

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.