NIU vs XYF

Comparison between Niu Technologies (NIU, Company) and X Financial (XYF, Company).

NIU is from the Consumer Cyclical sector, while XYF is from the Financial Services sector.

5-Year PerformanceXYF has outperformed NIU, delivering a return of -3.0% compared to -36.3%

NIU vs XYF - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	NIU(COMPANY)	XYF(COMPANY)
Market Cap	$198M	$198M
Max Drawdown	96.70%	95.82%
Sharpe Ratio	-0.35	-1.21
5Y Beta	0.98	0.77
Industry	Auto Manufacturers	Credit Services
P/E Ratio	-14.07	0.95
Forward P/E	6.42	N/A
PEG Ratio	N/A	0.15
Dividend Yield	N/A	11.00%
5Y EPS CAGR	N/A	16.91%
Debt to Equity	91.45%	5.23%
Free Cash Flow Yield	25.50%	N/A
P/S Ratio	0.04	0.03
P/B Ratio	1.68	0.17

Market Cap

NIU

$198M

Winner

XYF

$198M

Max Drawdown

NIU

96.70%

Winner

XYF

95.82%

Sharpe Ratio

Winner

NIU

-0.35

XYF

-1.21

5Y Beta

NIU

0.98

Winner

XYF

0.77

Industry

NIU

Auto Manufacturers

XYF

Credit Services

P/E Ratio

Winner

NIU

-14.07

XYF

0.95

Forward P/E

NIU

6.42

XYF

N/A

PEG Ratio

NIU

N/A

XYF

0.15

Dividend Yield

NIU

N/A

XYF

11.00%

5Y EPS CAGR

NIU

N/A

XYF

16.91%

Debt to Equity

NIU

91.45%

Winner

XYF

5.23%

Free Cash Flow Yield

NIU

25.50%

XYF

N/A

P/S Ratio

NIU

0.04

Winner

XYF

0.03

P/B Ratio

NIU

1.68

Winner

XYF

0.17

NIU vs XYF - Historical Returns

Returns include dividend reinvestment.

Period	NIU	XYF
1 month	+17.14%	+6.64%
3 months	-21.66%	+2.51%
6 months	-27.65%	+6.74%
1 year	-34.22%	-59.32%
5 years(CAGR)	-36.34%	-3.04%
Max(CAGR)	-14.89%	-19.24%

Winner

NIU

+17.14%

XYF

+6.64%

NIU

-21.66%

Winner

XYF

+2.51%

NIU

-27.65%

Winner

XYF

+6.74%

Winner

NIU

-34.22%

XYF

-59.32%

5Y(CAGR)

NIU

-36.34%

Winner

XYF

-3.04%

Max(CAGR)

Winner

NIU

-14.89%

XYF

-19.24%

NIU vs XYF - Annual Returns (2018 - 2026)

Returns include dividend reinvestment.

Year	NIU	XYF
2026	-21.66%	-2.86%
2025	+74.14%	-31.04%
2024	-16.36%	+139.08%
2023	-60.40%	+27.81%
2022	-68.59%	-3.51%
2021	-44.00%	+55.15%
2020	+221.31%	-62.12%
2019	+21.68%	-60.19%
2018	-19.08%	-64.33%

NIU vs XYF Drawdown Comparison

The maximum drawdown for NIU was -96.70%, occurring on Feb 5, 2024. This drawdown has not yet recovered.

The maximum drawdown for XYF was -95.75%, occurring on Sep 24, 2020. This drawdown has not yet recovered.

The current NIU drawdown is -95.02%. The current XYF drawdown is -81.44%.

Rank	NIU	XYF
#1	-96.70% Feb 16, 2021 - Feb 5, 2024	-95.75% Sep 19, 2018 - Sep 24, 2020
#2	-59.08% Apr 8, 2019 - Jun 18, 2020	N/A
#3	-33.48% Nov 2, 2018 - Apr 3, 2019	N/A
#4	-24.66% Nov 19, 2020 - Jan 11, 2021	N/A
#5	-24.16% Oct 19, 2018 - Nov 2, 2018	N/A
#6	-21.46% Jul 8, 2020 - Oct 5, 2020	N/A
#7	-17.96% Oct 20, 2020 - Nov 13, 2020	N/A
#8	-11.06% Jan 25, 2021 - Feb 16, 2021	N/A
#9	-8.30% Jan 12, 2021 - Jan 19, 2021	N/A
#10	-7.50% Jun 19, 2020 - Jul 1, 2020	N/A
#11	-6.21% Nov 17, 2020 - Nov 19, 2020	N/A
#12	-4.29% Oct 16, 2020 - Oct 20, 2020	N/A
#13	-4.23% Oct 6, 2020 - Oct 9, 2020	N/A
#14	-1.88% Jan 21, 2021 - Jan 25, 2021	N/A
#15	-1.76% Jan 19, 2021 - Jan 21, 2021	N/A