X Financial (XYF) Stock Score, Valuation & Financial Research
X Financial is in the Financial Services sector and Financial - Credit Services industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 79/100.
Quick answer for XYF
X Financial currently has a Wall Street Score of 79/100. The stored market price is $5.06. Its financial score is 27/100. Its valuation score is 100/100. These figures are a research snapshot, not a buy or sell recommendation.
What X Financial does
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. Through its Xiaoying wealth management platform, clients can access various investment vehicles, including loans, money market instruments, and insurance products. Furthermore, the company extends loan facilitation support to other external platforms. X Financial was established in 2014 and maintains its corporate headquarters in Sh
XYF financial snapshot
- Wall Street Score:
- 79/100
- Current price:
- $5.06
- Market capitalization:
- $33.7M
- Revenue:
- $1.01B
- Net income:
- $153.8M
- Free cash flow:
- $213.1M
- Cash:
- $555.1M
- Total debt:
- $52.0M
- EPS:
- 30.99
- P/E ratio:
- 0.2x
- Financial score:
- 27/100
- Valuation score:
- 100/100
- Revenue score:
- 61/100
What stands out
- Reported year-over-year revenue growth is -0.1%.
- Free cash flow is $213.1M, showing positive cash generation.
- The balance sheet shows $555.1M of cash versus $52.0M of total debt, leaving more cash than debt.
What the numbers mean
Its current valuation score is 100/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 27/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-07-24.
How to research XYF
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.