Reviewing Global Arena (OTCMKTS:GAHC) and X Financial (NYSE:XYF)

X Financial (NYSE:XYF) and Global Arena (OTCMKTS:GAHC) are both small-cap finance companies, but which is the superior business? We will contrast the two companies based on the strength of their risk, dividends, profitability, analyst recommendations, valuation, institutional ownership and earnings.

Risk and Volatility

X Financial has a beta of 0.46, meaning that its stock price is 54% less volatile than the S&P 500. Comparatively, Global Arena has a beta of 0.94, meaning that its stock price is 6% less volatile than the S&P 500.

Earnings & Valuation

This table compares X Financial and Global Arena”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
X Financial	$804.43 million	0.27	$210.97 million	$5.66	0.93
Global Arena	$1.27 million	0.00	-$1.01 million	N/A	N/A

X Financial has higher revenue and earnings than Global Arena.

Insider & Institutional Ownership

1.2% of X Financial shares are held by institutional investors. 31.6% of X Financial shares are held by company insiders. Comparatively, 7.1% of Global Arena shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Analyst Ratings

This is a breakdown of current recommendations and price targets for X Financial and Global Arena, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
X Financial	0	1	0	0	2.00
Global Arena	0	0	0	0	0.00

Given Global Arena’s higher possible upside, analysts plainly believe Global Arena is more favorable than X Financial.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
X Financial	22.75%	24.56%	14.10%
Global Arena	N/A	N/A	N/A

Summary

X Financial beats Global Arena on 8 of the 10 factors compared between the two stocks.

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.

About Global Arena

Global Arena Holding Inc., through its subsidiaries, provides technology-enabled paper absentee/mail ballot and online election services in the United States. The company offers voter authentication and registration software, which authenticates and registers voting members in a data look-up system; and scanning and tabulation software, an advanced OMR/OCR/Barcode scanning and tabulation software, as well as an online voting platform. It also explores opportunities in the oil, gas, mineral, and energy business. The company provides its services to craft and trade organizations, labor unions, political parties, co-operatives and housing organizations, associations and professional societies, universities, and political organizations. The company was formerly known as Global Arena Holding Subsidiary Corp and changed its name to Global Arena Holding Inc. in May 2011. Global Arena Holding Inc. was founded in 2009 and is based in New York, New York.