This is a contrast between LexinFintech Holdings Ltd. (NASDAQ:LX) and The Western Union Company (NYSE:WU) based on their profitability, analyst recommendations, risk, dividends, institutional ownership, earnings and valuation. The two companies are Credit Services and they also compete with each other.

Valuation and Earnings

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
LexinFintech Holdings Ltd.	N/A	0.00	N/A	0.78	15.49
The Western Union Company	5.59B	1.42	851.90M	1.93	9.47

Table 1 demonstrates LexinFintech Holdings Ltd. and The Western Union Company’s gross revenue, earnings per share (EPS) and valuation. Company that presently has a higher P/E ratio means that it is the more expensive of the two businesses. LexinFintech Holdings Ltd.’s presently higher P/E ratio makes it the more expensive of the two businesses.

Profitability

Table 2 demonstrates the net margins, return on equity and return on assets of LexinFintech Holdings Ltd. and The Western Union Company.

	Net Margins	Return on Equity	Return on Assets
LexinFintech Holdings Ltd.	0.00%	42.6%	6.4%
The Western Union Company	15.24%	-219.5%	9.4%

Dividends

The Western Union Company has an annual dividend pay of $0.76 per share while its annual dividend yield is 4.24%. No dividend is paid out by LexinFintech Holdings Ltd.

Analyst Ratings

In next table is delivered LexinFintech Holdings Ltd. and The Western Union Company’s ratings and recommendations.

	Sell Ratings	Hold Ratings	Buy Ratings	Rating Score
LexinFintech Holdings Ltd.	0	0	0	0.00
The Western Union Company	1	3	0	2.75

Competitively The Western Union Company has an average price target of $18.33, with potential upside of 0.94%.

Insider & Institutional Ownership

LexinFintech Holdings Ltd. and The Western Union Company has shares held by institutional investors as follows: 37.9% and 0%. About 21.8% of LexinFintech Holdings Ltd.’s share are held by insiders. On the other hand, insiders held about 0.4% of The Western Union Company’s shares.

Performance

In this table we show the Weekly, Monthly, Quarterly, Half Yearly, Yearly and YTD Performance of both pretenders.

	Performance (W)	Performance (M)	Performance (Q)	Performance (HY)	Performance (Y)	Performance (YTD)
LexinFintech Holdings Ltd.	0.08%	23.82%	25.49%	-3.43%	-15.9%	67.03%
The Western Union Company	2.94%	-0.11%	-3.29%	-3.49%	-7.27%	6.86%

For the past year LexinFintech Holdings Ltd.’s stock price has bigger growth than The Western Union Company.

Summary

The Western Union Company beats LexinFintech Holdings Ltd. on 8 of the 13 factors.

LexinFintech Holdings Ltd., through its subsidiaries, operates as an online consumer finance platform for young adults in China. The company operates Fenqile, an online consumer finance platform that offers personal installment loans, installment purchase loans, and other loan products. It also matches customer loans with diversified funding sources, including individual investors on its Juzi Licai online investment platform, institutional funding partners in its direct lending programs, and investors of its asset-backed securities. The company was formerly known as Staging Finance Holding Ltd. and changed its name to LexinFintech Holdings Ltd. in March 2017. LexinFintech Holdings Ltd. was founded in 2013 and is headquartered in Shenzhen, China.

The Western Union Company provides money movement and payment services worldwide. The company operates in three segments: Consumer-to-Consumer, Consumer-to-Business, and Business Solutions. The Consumer-to-Consumer segment facilitates money transfers between two consumers, primarily through a network of third-party agents. This segment offers international cross-border transfers and intra-country transfers, as well as money transfer transactions through Websites and mobile devices. The Consumer-to-Business segment facilitates bill payments from consumers to businesses and other organizations, including utilities, auto finance companies, mortgage servicers, financial service providers, and government agencies. The Business Solutions segment provides payment and foreign exchange solutions, primarily cross-border and cross-currency transactions for small and medium size enterprises, other organizations, and individuals. The company serves primarily through a network of agents. The Western Union Company was incorporated in 2006 and is headquartered in Englewood, Colorado.