XYF vs CHPT

Comparison between X Financial (XYF, Company) and ChargePoint Holdings Inc - Class A (CHPT, Company).

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

5-Year PerformanceXYF has outperformed CHPT, delivering a return of +1.0% compared to -58.1%

XYF vs CHPT - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	XYF(COMPANY)	CHPT(COMPANY)
Market Cap	$190M	$189M
Max Drawdown	95.82%	99.51%
Sharpe Ratio	-1.75	-0.90
5Y Beta	0.74	1.86
Industry	Credit Services	Specialty Retail
P/E Ratio	0.91	-0.83
PEG Ratio	0.15	N/A
Dividend Yield	11.90%	N/A
5Y EPS CAGR	16.91%	N/A
Debt to Equity	5.23%	1224.71%
Free Cash Flow Yield	N/A	-35.42%
P/S Ratio	0.02	0.46
P/B Ratio	0.16	8.94

Market Cap

Winner

XYF

$190M

CHPT

$189M

Max Drawdown

Winner

XYF

95.82%

CHPT

99.51%

Sharpe Ratio

XYF

-1.75

Winner

CHPT

-0.90

5Y Beta

Winner

XYF

0.74

CHPT

1.86

Industry

XYF

Credit Services

CHPT

Specialty Retail

P/E Ratio

XYF

0.91

Winner

CHPT

-0.83

PEG Ratio

XYF

0.15

CHPT

N/A

Dividend Yield

XYF

11.90%

CHPT

N/A

5Y EPS CAGR

XYF

16.91%

CHPT

N/A

Debt to Equity

Winner

XYF

5.23%

CHPT

1224.71%

Free Cash Flow Yield

XYF

N/A

CHPT

-35.42%

P/S Ratio

Winner

XYF

0.02

CHPT

0.46

P/B Ratio

Winner

XYF

0.16

CHPT

8.94

XYF vs CHPT - Historical Returns

Returns include dividend reinvestment.

Period	XYF	CHPT
1 month	-5.23%	+14.06%
3 months	+3.09%	+21.96%
6 months	-28.52%	-30.78%
1 year	-73.44%	-46.68%
5 years(CAGR)	+0.99%	-58.13%
Max(CAGR)	-20.85%	-38.78%

XYF

-5.23%

Winner

CHPT

+14.06%

XYF

+3.09%

Winner

CHPT

+21.96%

Winner

XYF

-28.52%

CHPT

-30.78%

XYF

-73.44%

Winner

CHPT

-46.68%

5Y(CAGR)

Winner

XYF

+0.99%

CHPT

-58.13%

Max(CAGR)

Winner

XYF

-20.85%

CHPT

-38.78%

XYF vs CHPT - Annual Returns (2018 - 2026)

Returns include dividend reinvestment.

Year	XYF	CHPT
2026	-13.67%	+2.56%
2025	-31.04%	-70.36%
2024	+139.08%	-50.69%
2023	+27.81%	-74.26%
2022	-3.51%	-52.04%
2021	+55.15%	-48.21%
2020	-62.12%	+308.98%
2019	-60.19%	+0.41%
2018	-64.33%	N/A

XYF vs CHPT Drawdown Comparison

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

The maximum drawdown for CHPT was -99.51%, occurring on Mar 30, 2026. This drawdown has not yet recovered.

The current XYF drawdown is -83.51%. The current CHPT drawdown is -99.22%.

Rank	XYF	CHPT
#1	-95.75% Sep 19, 2018 - Sep 24, 2020	-99.51% Dec 24, 2020 - Mar 30, 2026
#2	N/A	-20.95% Nov 27, 2020 - Dec 8, 2020
#3	N/A	-18.74% Dec 9, 2020 - Dec 22, 2020
#4	N/A	-18.33% Oct 21, 2020 - Nov 9, 2020
#5	N/A	-14.53% Sep 17, 2020 - Sep 28, 2020
#6	N/A	-12.12% Sep 30, 2020 - Oct 19, 2020
#7	N/A	-7.04% Feb 21, 2020 - Jul 9, 2020
#8	N/A	-5.26% Nov 24, 2020 - Nov 27, 2020
#9	N/A	-3.71% Nov 11, 2020 - Nov 16, 2020
#10	N/A	-2.06% Sep 28, 2020 - Sep 30, 2020
#11	N/A	-2.03% Sep 20, 2019 - Jan 8, 2020
#12	N/A	-1.55% Aug 6, 2020 - Sep 9, 2020
#13	N/A	-1.08% Jul 20, 2020 - Jul 27, 2020
#14	N/A	-0.97% Jul 27, 2020 - Aug 3, 2020
#15	N/A	-0.80% Jan 31, 2020 - Feb 10, 2020

Correlation

Correlation between XYF and CHPT is -0.39 which considered as a weak negative correlation - the stocks show a slight tendency to move in opposite directions.

-0.39

-101