XYF vs FACT

Comparison between X Financial (XYF, Company) and FACT II Acquisition Corp - Class A (FACT, Company).

XYF is from the Financial Services sector, while FACT is from the Financials sector.

XYF vs FACT - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	XYF(COMPANY)	FACT(COMPANY)
Market Cap	$198M	$197M
Max Drawdown	95.82%	0.76%
Sharpe Ratio	-1.21	-0.06
5Y Beta	0.77	0.01
Industry	Credit Services	Investment Holding Companies
P/E Ratio	0.95	48.65
PEG Ratio	0.15	N/A
Dividend Yield	11.00%	N/A
5Y EPS CAGR	16.91%	N/A
Debt to Equity	5.23%	0.00%
Free Cash Flow Yield	N/A	-0.41%
P/S Ratio	0.03	N/A
P/B Ratio	0.17	1.47

Market Cap

Winner

XYF

$198M

FACT

$197M

Max Drawdown

XYF

95.82%

Winner

FACT

0.76%

Sharpe Ratio

XYF

-1.21

Winner

FACT

-0.06

5Y Beta

XYF

0.77

Winner

FACT

0.01

Industry

XYF

Credit Services

FACT

Investment Holding Companies

P/E Ratio

Winner

XYF

0.95

FACT

48.65

PEG Ratio

XYF

0.15

FACT

N/A

Dividend Yield

XYF

11.00%

FACT

N/A

5Y EPS CAGR

XYF

16.91%

FACT

N/A

Debt to Equity

XYF

5.23%

Winner

FACT

0.00%

Free Cash Flow Yield

XYF

N/A

FACT

-0.41%

P/S Ratio

XYF

0.03

FACT

N/A

P/B Ratio

Winner

XYF

0.17

FACT

1.47

XYF vs FACT - Historical Returns

Returns include dividend reinvestment.

Period	XYF	FACT
1 month	+5.04%	+0.47%
3 months	+4.20%	+1.01%
6 months	+4.93%	+1.72%
1 year	-60.40%	+3.79%
5 years(CAGR)	-3.37%	N/A
Max(CAGR)	-19.42%	+4.84%

Winner

XYF

+5.04%

FACT

+0.47%

Winner

XYF

+4.20%

FACT

+1.01%

Winner

XYF

+4.93%

FACT

+1.72%

XYF

-60.40%

Winner

FACT

+3.79%

5Y(CAGR)

XYF

-3.37%

FACT

N/A

Max(CAGR)

XYF

-19.42%

Winner

FACT

+4.84%

XYF vs FACT - Annual Returns (2018 - 2026)

Returns include dividend reinvestment.

Year	XYF	FACT
2026	-4.51%	+2.50%
2025	-31.04%	+5.26%
2024	+139.08%	+0.20%
2023	+27.81%	N/A
2022	-3.51%	N/A
2021	+55.15%	N/A
2020	-62.12%	N/A
2019	-60.19%	N/A
2018	-64.33%	N/A

XYF vs FACT 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 FACT was -0.76%, occurring on Jan 13, 2026. Recovery took 58 trading sessions.

The current XYF drawdown is -81.76%. The current FACT drawdown is -0.09%.

Rank	XYF	FACT
#1	-95.75% Sep 19, 2018 - Sep 24, 2020	-0.76% Jan 8, 2026 - Apr 2, 2026
#2	N/A	-0.67% Oct 27, 2025 - Dec 31, 2025
#3	N/A	-0.59% Apr 21, 2025 - May 12, 2025
#4	N/A	-0.57% Aug 12, 2025 - Sep 30, 2025
#5	N/A	-0.56% May 28, 2026 - Jul 6, 2026
#6	N/A	-0.50% Apr 15, 2025 - Apr 21, 2025
#7	N/A	-0.49% May 23, 2025 - Jun 6, 2025
#8	N/A	-0.39% Jul 1, 2025 - Jul 28, 2025
#9	N/A	-0.30% Dec 20, 2024 - Dec 30, 2024
#10	N/A	-0.29% May 20, 2025 - May 23, 2025
#11	N/A	-0.29% Jul 28, 2025 - Aug 8, 2025
#12	N/A	-0.25% Feb 7, 2025 - Feb 24, 2025
#13	N/A	-0.25% Apr 3, 2025 - Apr 14, 2025
#14	N/A	-0.20% May 12, 2025 - May 14, 2025
#15	N/A	-0.19% Sep 30, 2025 - Oct 21, 2025

Correlation

Correlation between XYF and FACT is -0.53 which considered as a moderate negative correlation - the stocks show some tendency to move in opposite directions.

-0.53

-101