Financial Contrast: X Financial (NYSE:XYF) vs. Gryphon Digital Mining (NASDAQ:GRYP)

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

Earnings & Valuation

This table compares Gryphon Digital Mining and X Financial’s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Gryphon Digital Mining	$6.84 million	7.66	-$11.58 million	($142.00)	-0.01
X Financial	$678.16 million	0.27	$167.16 million	$3.38	1.12

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

Analyst Ratings

This is a summary of recent ratings and target prices for Gryphon Digital Mining and X Financial, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Gryphon Digital Mining	0	0	0	0	N/A
X Financial	0	0	0	0	N/A

Risk and Volatility

Gryphon Digital Mining has a beta of 2.8, suggesting that its stock price is 180% more volatile than the S&P 500. Comparatively, X Financial has a beta of 0.24, suggesting that its stock price is 76% less volatile than the S&P 500.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Gryphon Digital Mining	-339.99%	N/A	-162.80%
X Financial	24.64%	22.42%	11.59%

Institutional and Insider Ownership

10.2% of Gryphon Digital Mining shares are held by institutional investors. Comparatively, 1.2% of X Financial shares are held by institutional investors. 1.2% of Gryphon Digital Mining 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 stock will outperform the market over the long term.

Summary

X Financial beats Gryphon Digital Mining on 8 of the 11 factors compared between the two stocks.

About Gryphon Digital Mining

Gryphon Digital Mining, Inc. engages in carbon-neutral bitcoin mining. Gryphon Digital Mining, Inc. was formerly known as Ivy Crypto, Inc. The company was incorporated in 2020 and is based in Las Vegas, Nevada.

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. Its loan products include Xiaoying credit loan, which consists of Xiaoying card loan; and Xiaoying preferred loan to small business owners, as well as Xiaoying revolving loan. The company also offers Xiaoying housing loan, a home equity loan product for property owners; investment products through Xiaoying wealth management platform, such as loans, money market, and insurance products; and loan facilitation services to other platforms. The company was incorporated in 2014 and is headquartered in Shenzhen, the People's Republic of China.