X Financial
XYF · Price history
Price at last available close
$4.88
−$0.25 (-4.87%) 1M
2026-10-27
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Company & revenue
About X Financial
Primary reporting period: 2025-12-31 · Research updated Oct 13, 2026. A research update is not a new financial filing.
Who they are
Operating in the People's Republic of China, X Financial delivers personal financial solutions, primarily functioning as an online platform that connects individuals seeking funds with potential investors. The company's diverse lending portfolio encompasses the Xiaoying credit loan, which features the Xiaoying card loan component; the Xiaoying preferred loan, specifically tailored for small enterprise owners; and the Xiaoying revolving loan. Beyond these offerings, X Financial also provides the Xiaoying housing loan, a home equity product for property owners.
How they make money
X Financial operates as an online personal finance company in China that connects individual borrowers with institutional funding partners. The company generates revenue primarily through loan facilitation services, where it uses its proprietary big data-driven technology and risk assessment platform, WinSAFE, to match prime borrowers with financial institutions, earning service fees for these transactions.
Products & services
The company provides loan facilitation services, microcredit operations, and financing guarantee services, connecting borrowers with institutional funding partners through its digital platform.
Brands & revenue mix
Proprietary risk control platform used for loan assessment.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer types
- Individual prime borrowersSource
Customer concentration
No quantified customer-concentration disclosure is available in the current saved research.
Suppliers, materials & equipment
- Financial institutions — The company partners with various banks, trusts, and other financial institutions to provide funding for loans facilitated on its platform; specific names are not disclosed.Source
Strengths
- Proprietary big data-driven technology and WinSAFE risk control platformSource
Sources
Financial risk observations and what to check
These are saved observations about business performance, not predictions. Review the company filings alongside the interpretation below. Latest stored financial period end: 2026-06-30.
Quarterly revenue fell 56.4% versus the same quarter last year.
Check comparable business scope and currency, then separate volume, pricing and divestitures. One weaker quarter does not establish that the same decline will continue.
Quarterly EPS fell 89.6% versus the same quarter last year.
Review net income and weighted-average shares together. Per-share earnings can change because of operating performance, nonrecurring items or the share denominator.
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
50
Fair
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
73
Strong
Financial Strength
56
Business Quality / Moat
99
Management
93
Growth Quality
26
Risk / Durability
93
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
67
Fully Valued
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
62/100
Building Historical Record
Model Score 62/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is mixed across its combined quality, valuation and risk inputs. Review the category scores to identify what is helping or hurting the result.
At today’s price, the WSS valuation framework currently reads as moderate rather than unusually attractive.
The model outlook is currently moderate.
- •Asset quality scores strongly
- •Valuation scores attractively
- •Recent buyback activity is present
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for XYF
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •What is driving XYF's revenue decline, and does the latest company filing suggest the weakness is temporary or structural?
- •Is XYF's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •How is XYF likely to use its cash advantage: reinvestment, acquisitions, debt reduction, dividends or buybacks?
- •Is XYF's valuation discount tied to a temporary concern or to a longer-term business risk?
- •What does the current fundamental change risk warning mean for the reliability or interpretation of XYF's score?
Essential Investment Snapshot
Wall Street Score
50
Opportunity Score
67
Market Cap
$32.1M
P/E Ratio
0.4
EPS
$12.74
52-Week High
$14.86
52-Week Low
$3.30
Beta
0.48
Intrinsic Value
$490.42
Shares Outstanding
6.9M
Total Revenue
$829.0M
Total Debt
$59.0M
Dividend Yield (TTM)
11.48%
Liquidation Value / Share
$166.66
Dividend / Share (TTM)
$0.56
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Weakening momentum
Normal movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for XYF
Detected from reported data — verify before acting.Dividend history reported
Dividend payments are recorded. Review the dates and regular/special classification below; past payments do not guarantee future dividends.
Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Community Sentiment
0 active · 0 total callsNo personal call yet on XYF.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Proprietary big data-driven technology and WinSAFE risk control platform.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Financial - Credit Services industry.
- −Regulatory changes in the Chinese online finance and microcredit industry.
- −Dependence on institutional funding partners for loan capital.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
2 historical score records availablePrevious Score
77
Jul 24, 2026
Change
-27.4
points
Current Score
50
Oct 1, 2026
Category Changes
XYF decreased 27.4 points because Revenue declined by 2.1 points, Management declined by 6.9 points.
Positive Contributors
- + Valuation improved by 15 points
Negative Contributors
- − Revenue declined by 2.1 points
- − Management declined by 6.9 points
Projected Score
Projected Score
43
Projected Change
-7.0 points
Preliminary comparable-period financial changes suggest decline of approximately 7.0 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
Review model assumptionsThis model estimate is more than three times the share price.
This is a formula-based estimate, not a verified fair value or price target. Check the earnings and growth assumptions.
Stored EPS: $12.74 · Growth assumption: 15.0% · Earnings multiplier: 38.5×.
Current Price
$4.88
Model Intrinsic Value
$490.42
Difference
−$485.54
-99.0% vs IV
Margin of Safety
99.0%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $829.0M | $1.11B | $874.2M | $487.9M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $301.8M | $292.6M | $291.8M | $250.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $527.2M | $813.7M | $582.4M | $237.9M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $104.9M | $357.6M | $31.5M | $22.9M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $420.6M | $576.7M | $303.4M | $19.3M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $221.8M | $256.0M | $552.0M | $219.4M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $106.6M | $237.0M | $279.0M | $218.6M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $78.7M | $0.00 | $235.6M | $204.1M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $112.1M | $254.3M | $289.7M | $215.6M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $28.4M | $42.2M | $60.4M | $38.9M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $83.7M | $212.1M | $229.3M | $176.7M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $12.74 | $31.29 | $28.58 | $21.87 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 6.26M | 6.78M | 8.15M | 8.08M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 6.32M | 6.93M | 8.15M | 8.08M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$147.5M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$1.12
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
-1.3%
Cash Change
+146.6%
Margin Change
-18.5 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Cash position grew
- Debt reduced
What Weakened
- Margins contracted
Potential Score Impact
Positive indicators included cash levels, debt levels. Pressure indicators included revenue growth, EPS growth, net income margin. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue declined 56.4%. EPS declined 89.6%. Cash increased 146.6%. Total debt declined 1.3%. Net income margin declined by 18.5 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Log in to view dividend history.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
2 historical records2 historical score records available.
Historical Score Chart
2 of 2 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
Related Companies
Financial - Credit ServicesRumor Mill · XYF
Corporate developments & opportunities
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